# Credible Finance (CRED) on 01Resolved

As of 2026-10-22: CRED trades at $0.6703, a premium of 131% to its NAV/AS of $0.2902. Total NAV is $3.1M, the monthly allowance is $250K, estimated runway is 7–13 mo. The ICO price was $0.4000 (+67.6% to the current price).

**Coverage:** Active ownership coin · **Token:** CRED (`CREDBHvVqREBCAxMihzr8D1nepHMr2gmQoZWpmgGmeta`) on Solana

In the project's own words: "The payments rail for businesses traditional gateways won’t touch, built for risk-aware verticals, faster settlement, and permissionless prefunding."

Generated from the live 01Resolved platform. Data as of 2026-10-22 22:42 UTC; figures change continuously. Use the project pages for current values and history, and the [01Resolved API](https://01resolved.com/docs) for data beyond what the pages display. Inclusion is not an investment endorsement.

- [Overview](https://www.01resolved.com/credible/overview): market metrics, holder rankings, ICO, and token distribution.
- [Financials](https://www.01resolved.com/credible/financials): treasury, NAV and NAV/AS history, revenues, runway, token supply, and forecasts.
- [Proposals](https://www.01resolved.com/credible/proposals): governance proposals and decision-market analytics.

## Treasury, NAV, and runway

DAO entity figures, as shown on the [financials page](https://www.01resolved.com/credible/financials).

| Metric | Value |
| --- | --- |
| Total NAV (net asset value) | $3.1M |
| NAV/AS (NAV per adjusted share) | $0.2902 |
| Price premium (+) or discount (-) to NAV/AS | +131% |
| Monthly allowance | $250K |
| Runway (excluding to including LP value) | 7–13 mo |

NAV is the value of the treasury's non-native assets. NAV/AS divides it by adjusted supply: total supply minus protocol-controlled and unvested tokens. The monthly allowance is the spending limit enforced by the treasury contract. Runway runs from non-native treasury value ÷ allowance to that plus the non-native side of LP positions; it is an estimate, not a forecast.

## Revenues and expenses

- Revenue: not yet published on 01Resolved for this project. Unavailable is not zero.
- Expenses: not yet published on 01Resolved for this project. Unavailable is not zero.

A treasury inflow is not automatically earned revenue, and a wallet outflow is not automatically an operating expense.

## Market

| Metric | Value |
| --- | --- |
| Price | $0.6703 |
| Market cap | $8.64M |
| FDV (fully diluted valuation) | $15.19M |
| Circulating supply | 12.89M |
| Total supply | 22.66M |
| Liquidity | $2.68M |
| 24h volume | $84.76K |

## ICO

| Metric | Value |
| --- | --- |
| ICO price | $0.4000 |
| ICO date (sale closed) | 2026-07-17 |
| Return from ICO price to current price | +67.6% |
| Target raise | $2M |
| Funds committed | $32.77M |
| Funds accepted | $4M |
| Contributors | 790 |
| Median contribution | $4.99K |
| Average contribution | $32.16K |

Committed funds above the target can be refunded; accepted funds are what the project kept.

## NAV/AS and price history

The last observation in each month, from the NAV/AS chart on the [overview page](https://www.01resolved.com/credible/overview).

| Month end (UTC) | NAV/AS | Price | Prem/Disc |
| --- | --- | --- | --- |
| 2026-07-31 | $0.4035 | $0.5706 | +41.4% |
| 2026-08-31 | $0.3856 | $0.7088 | +83.8% |
| 2026-09-30 | $0.3172 | $0.7397 | +133.2% |
| 2026-10-22 | $0.2902 | $0.6703 | +131% |

All-time discount/premium range: low +6% (2026-07-17), mean +75.6%, high +163.5% (2026-10-06).

Projected NAV/AS if monthly allowances are drawn (a model, not a forecast): 2026-11-15 $0.2668, 2026-12-15 $0.2433, 2027-01-15 $0.2199.

## Treasury composition

Treasury allocation: $3.09M, across the DAO's treasury accounts. Total NAV above applies the project's NAV methodology, so the two can differ slightly.

- **Main** (1 account): $1.94M, 63.00% of treasury
  - 1.7M USDC: $1.69M (87.17% of Main)
  - 250K USDv: $249.87K (12.82% of Main)
  - 0.1 SOL: $10.33 (<0.01% of Main)
- **LP Positions** (2 accounts): $1.14M, 36.99% of treasury
  - 1.14M USDC: $1.14M (99.99% of LP Positions)
  - 0.03 SOL: $3.19 (<0.01% of LP Positions)

## Native token holdings

11.99M CRED held across 6 project wallets, worth $8.28M at market. Native tokens are shown separately from the treasury and are not interchangeable with liquid treasury assets.

| Wallet | Amount | Value |
| --- | --- | --- |
| Investor Vesting | 5.23M | $3.61M |
| Team Performance Package | 4.53M | $3.13M |
| FutarchyAMM | 1.54M | $1.06M |
| Meteora AMM | 693.71K | $479.09K |

## Token supply

| Metric | Value |
| --- | --- |
| Current supply | 22.66M |
| Net change (30 days) | -2.15 |
| Total minted | 22.66M |
| Total burned | 32.79 |

Latest mint and burn events (5 of 7):

| Date (UTC) | Event | Amount | Resulting supply |
| --- | --- | --- | --- |
| 2026-10-14 | Burn | -2.02 | 22.66M |
| 2026-08-12 | Burn | -1.68 | 22.66M |
| 2026-07-26 | Burn | -3.45 | 22.66M |
| 2026-07-21 | Burn | -1.88 | 22.66M |
| 2026-07-17 | Burn | -11.35 | 22.66M |

## Token distribution

Share of total supply by allocation.

| Allocation | Share |
| --- | --- |
| Public Sale/ICO | 44.12% |
| Liquidity | 12.8% |
| Team | 20% |
| Additional Allocation Vault | 23.08% |

## Team performance package

A tranche unlocks when the cliff has passed and the 3-month TWAP reaches its price target. The cliff ends on 2028-01-08. The 3-month TWAP is $0.6429.

| Metric | Value |
| --- | --- |
| Tokens in package | 4.53M CRED |
| Unlocked | 0 |
| Claimed | 0 |

| Target | Price target | Tokens | State |
| --- | --- | --- | --- |
| 2x | $0.8000 | 906.53K | Locked |
| 4x | $1.60 | 906.53K | Locked |
| 8x | $3.20 | 906.53K | Locked |
| 16x | $6.40 | 906.53K | Locked |
| 32x | $12.80 | 906.53K | Locked |

## Top holders

The 10 largest wallets of 2,053 indexed holders. Balances synchronise every 30 minutes.

| Rank | Wallet | Project account | Balance | Share of total supply |
| --- | --- | --- | --- | --- |
| 1 | `DVA4Q78r3N35gHFeKyMWEMP9jtv4f5joteDz3kMZTYjL` | Investor Vesting | 5.23M | 23.08% |
| 2 | `5WPaWCwyWEt74dFMNMqeah2AZRpLPP1KTrQwm2eAanqr` | Team Performance Package | 4.53M | 20.00% |
| 3 | `6yv1EcBitVUdf3YS4GTHdLmwrGGiPYT2jrh2xDjCxYQQ` | FutarchyAMM | 1.54M | 6.80% |
| 4 | `FBBYuypKzb2z3NGCXdaDzkkUyYDEZbFLW1k8TxvdgfpA` | – | 1.25M | 5.51% |
| 5 | `35ZC7ZfTFwXcVboYuNpJrBHSqRRo2kE9WqTNfutgF5ff` | – | 1.08M | 4.77% |
| 6 | `7qRUKe5B663FVyMij1LAtpH51JvyzWwavTRqwMAD2G24` | – | 875K | 3.86% |
| 7 | `jTcKH6sMbMMrvroaqeuM1CFmESz5zB29H5gSxNAQyNu` | – | 752.63K | 3.32% |
| 8 | `HLnpSz9h2S4hiLQ43rnSD9XkcUThA7B8hQMKmDaiTLcC` | Meteora Pool Authority | 695.11K | 3.06% |
| 9 | `7SwCJg3Ti1F8fsYDvppWo3EfcgCtSerFCRfbLiV3BEuv` | – | 500K | 2.20% |
| 10 | `9FUmDJzXQJ9cU14QAfg8aYqkV8d88BHQDebyM3sqrk9Q` | – | 375K | 1.65% |

Project account names come from Credible Finance's account registry; other wallets are unlabelled. A wallet is not necessarily one person: exchanges, custodians, and protocol accounts appear as wallets. Holder cost basis requires authorized access and is not published here.

## Proposals and decision markets

3 proposals: 2 approved. Across Credible Finance's decision markets: $15.47K volume, 28 trades, 12 unique traders. The [proposals page](https://www.01resolved.com/credible/proposals) and each proposal's summary cover pass/fail pricing, TWAP, outcome strength, and trader participation.

| Proposal | Start (UTC) | End (UTC) | Status | Result | Volume | Trades | Traders | Net volume tilt | Net trader tilt |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| [$500,000 USDC, drawn from Credible's own raised treasury, 3-month rolling facility](https://www.01resolved.com/credible/proposals/2NT1e3H3Vae529cmhhaoPN22ofiaxfv2KzCRcSFbcPkU) ([summary](https://www.01resolved.com/ai/projects/credible/proposals/2NT1e3H3Vae529cmhhaoPN22ofiaxfv2KzCRcSFbcPkU.md)) | 2026-09-24 03:19 | 2026-09-27 03:19 | Resolved | Approved | $6.96K | 9 | 6 | +25.1% | -11.11% |
| [$500,000 USDC, drawn from Credible's own raised treasury, 3-month rolling facility](https://www.01resolved.com/credible/proposals/Fggzektx3nXtweL7WzS9UtncRK7KXVwwseuzKNVG1zQ5) ([summary](https://www.01resolved.com/ai/projects/credible/proposals/Fggzektx3nXtweL7WzS9UtncRK7KXVwwseuzKNVG1zQ5.md)) | 2026-09-23 15:44 | 2026-09-26 15:44 | Initiated | – | $0 | 0 | 0 | 0% | 0% |
| [Convert up to $250,000 of Credible Treasury USDC to USDv](https://www.01resolved.com/credible/proposals/2pBnSWosWrRXyVWUhskG6QoY9rurZrp961nANqXd3BEz) ([summary](https://www.01resolved.com/ai/projects/credible/proposals/2pBnSWosWrRXyVWUhskG6QoY9rurZrp961nANqXd3BEz.md)) | 2026-09-16 17:49 | 2026-09-19 17:49 | Resolved | Approved | $8.5K | 19 | 7 | +77.33% | +25% |

## Account registry

7 active accounts tracked for Credible Finance, from the Account Registry on the [financials page](https://www.01resolved.com/credible/financials). Total value $3.59M; native tokens $8.28M. Value excludes the project's own token, which is shown separately. The registry covers every tracked account, including operating-company (OpCo) accounts, so its total can differ from the DAO's treasury allocation and Total NAV above. A dash means the registry shows no value for that account.

### Treasury

| Account | Entity | Sub-group | Custody | Address | Active since (UTC) | Value | Native token (USD) |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Investor Vesting | DAO | Vesting | Multi-sig | `DVA4Q78r3N35gHFeKyMWEMP9jtv4f5joteDz3kMZTYjL` | 2026-07-09 | $5.27 | $3.61M |
| Team Performance Package | DAO | Vesting | Program | `5WPaWCwyWEt74dFMNMqeah2AZRpLPP1KTrQwm2eAanqr` | 2026-07-17 | $0.46 | $3.13M |
| FutarchyAMM | DAO | LP 100% | Program | `6yv1EcBitVUdf3YS4GTHdLmwrGGiPYT2jrh2xDjCxYQQ` | 2026-07-17 | $1.03M | $1.06M |
| Meteora AMM | DAO | LP 99.82% | Program | `NsoQMPMyzegUxy5HVYYjKmGUS7hutRXC1tdopQ1UR7E` | 2026-07-17 | $106.99K | $479.09K |
| Main | DAO | Main | Multi-sig | `ATESfxbwt3SRhSHc4nbk8BG6P8Nm8TAjsHfQCbgC2er4` | 2026-07-17 | $1.94M | – |

### Financing

| Account | Entity | Sub-group | Custody | Address | Active since (UTC) | Value | Native token (USD) |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Loan Account | OpCo | Loan | Third-party Custody | – | 2026-09-28 | $500K | – |

### Operations

| Account | Entity | Sub-group | Custody | Address | Active since (UTC) | Value | Native token (USD) |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Meteora Pool Authority | DAO | Protocol Fees | Program | `HLnpSz9h2S4hiLQ43rnSD9XkcUThA7B8hQMKmDaiTLcC` | 2025-04-09 | – | – |

## Citing this data

Source: 01Resolved, Credible Finance project summary, data as of 2026-10-22 22:42 UTC. https://www.01resolved.com/ai/projects/credible.md. For a specific figure, also link the project page it appears on.

## More

- [All covered projects](https://www.01resolved.com/ai/projects.md)
- [Platform capabilities and data guide](https://www.01resolved.com/ai/platform-capabilities.md)
- [Weekly](https://01resolved.com/research/tag/weekly-report/) and [monthly](https://01resolved.com/research/tag/monthly-report/) ownership coin reports