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Credix

“Can a blockchain-native credit marketplace become the dominant embedded B2B credit network for Latin American suppliers and their SMB customers?”

Founded2021
HQSão Paulo, Brazil (registered: Antwerp, Belgium)
Total raised$216.5M (equity + debt)
IndustryFintech / Lending
The story

Credix launched in 2021 as a blockchain-native, decentralized private credit marketplace on Solana, targeting Latin American asset originators seeking institutional liquidity. By 2024, the company had pivoted toward a B2B embedded-finance play: enabling Brazilian and LATAM suppliers to offer instant credit-at-checkout and net terms to their business customers, taking on balance sheet risk and collections. This shift moved Credix from crypto-native capital markets infrastructure toward an operational fintech lending product embedded in supplier order-to-cash workflows — closer to a BNPL-for-B2B model than its original DeFi positioning.

Last 12 months
2025-03
Product timeline
2021
Credix Finance BV incorporated in Belgium; launched as a decentralized capital markets ecosystem for debt financing on Solana blockchain targeting Latin American credit markets.· lending
2022
Expanded to tokenized private credit platform enabling asset originators to securitize real-world assets and attract institutional liquidity providers.· lending
2024
Pivoted toward B2B embedded credit-at-checkout product for Brazilian suppliers, enabling extended payment terms and instant credit approvals for SMB buyers.· lending
2025
Positioned as a B2B credit and financing platform, handling risk, collections, and payments for suppliers across omnichannel (in-store, e-commerce, telesales, door-to-door) in Brazil.· lending
The stack
1 layer disclosed in Credix’s embedded-finance stack
Lending
B2B embedded credit-at-checkoutExtended payment terms / net terms for B2B buyersInstant credit approvalsDecentralized private credit / tokenized debt (legacy product)
Accounting gap: none