Smart. Secure. Scalable.
Future embedded finance and rewards infrastructure for modern enterprises.
At CredX, we believe every transaction should be a partnership – not a power play. We're redefining the way data, money, and value move between people, businesses, and lenders by putting consent, transparency, and fairness at the core of every exchange.
What started as a bold idea to give people control of their data has become a full-scale ecosystem powering smarter discounts, more ethical lending, and lower costs for businesses.
Transform Loyalty. Reduce Costs. Grow Smarter.
With CredX Tech – powering the future of rewards, payments, and embedded lending.
Solutions
Merchant Rewards Optimization & Cost Reduction
- Replace outdated loyalty programs with direct dollar-for-dollar rewards
- Lower operating costs compared to traditional points-based systems
- Gain rich customer insights through data-for-value exchanges
- Boost engagement & retention with transparent, real rewards
Transaction Fee Optimization
- Offset or eliminate interchange fees (1.5-3.5%)
- Leverage direct-to-bank or tokenized rails for lower-cost transactions
- Reduce processing costs by up to 85%
- Embed rewards directly at checkout to improve conversion and customer loyalty
Verified Data Monetization
- Empower consumers to monetize their data transparently
- Replace third-party brokers with ethical, opt-in data exchange
- Provide real rewards for user insights (cash, credit terms, perks)
- Deliver verified, consented data to merchants and lenders
Embedded Lending at Checkout (B2C & B2B)
- Offer AI-matched lending options in near real time
- Access multiple lender tiers - prime, near-prime, subprime
- Boost cart completion rates with flexible financing
- Reduce fraud and enhance user trust through consent-driven offers
Embedded Lending for Merchants (B2B2C)
- Enable white-labeled credit experiences inside existing platforms
- Unlock new revenue streams for marketplaces and POS systems
- Simplify merchant adoption with instant integration
- Deliver a premium UX that drives retention and lending engagement
Custom Embedded Finance Infrastructure
- Launch proprietary credit, rewards, or embedded-payments ecosystems
- Integrate modular APIs & SDKs for rapid fintech enablement
- Build custom-branded fintech experiences within your ecosystem
- Deploy quickly and scale globally with enterprise-grade reliability
Compliance & Consent Management as a Service
- Streamline regulatory compliance for GDPR, CPRA, and PIPEDA
- Capture, store, and audit user consent with complete transparency
- Reduce legal and operational risk
- Build consumer trust while staying fully compliant
Predictive Analytics for Customer Insights
- Predict key behaviors like churn, LTV, and purchase intent
- Leverage verified behavioral data for hyper-personalized marketing
- Increase campaign ROI with precise targeting
- Enable smarter business decisions through AI analytics pipelines
Cross-Market Merchant-Lender Collaboration
- Break down silos with shared offer and credit hubs
- Allow merchants and lenders to co-market offers
- Increase consumer exposure and conversions
- Drive incremental revenue and better customer experiences
Why CredX
CredX delivers intelligent infrastructure purpose-built for merchants, lenders, and enterprise platforms. Our fully compliant, auditable, and consumer-consent–driven technology ensures trust and transparency at every step. With flexible APIs, we solve real-world challenges across payments, lending, and loyalty—empowering seamless integration and innovation.
Designed to scale effortlessly from enterprise B2B solutions to next-generation B2C ecosystems, CredX provides the foundation for the future of connected financial experiences.
Contact Us
Ready to transform your business with CredX? Let's discuss how our embedded finance solutions can help you grow.