"With Bridge or Moonpay you're locked in with a $5,000 or $3,000 monthly minimum, and for each rail, even if you're not using it, you pay a fixed fee. In case of Credible we don't have that" Shri, CEO of Credible, on how the Open Payment Stack lets anyone build without the lock-in "Take the scenario of building a neobank. You'd first go to Bridge or Moonpay or any of these guys, and they'll ask you for a minimum monthly commitment, you're locked in with a $5,000 or $3,000 monthly minimum. On top of it, every time you open a new corridor, a new rail, say you want to support Vietnam or Nigeria, for each rail even if you're not using it you pay a fixed fee, and you also have to pre fund amounts to give instant settlement" "In case of Credible we don't have such monthly minimum requirement. You can self onboard, you don't have to go through a sales call. We have a white glove service too, but that's mainly for higher volume clients. I know three or four startups that built on top of Credible during the Frontier Hackathon, one actually won and one got a mention, and they never had to come say hey Shri, this is how much I'll pay you, then onboard me. I didn't even know they were onboarded until they reached out" "Just how we have our own pre funding pool, the DeFi protocol, they can spin up their own pool on the platform, and the platform automatically underwrites the risk because they're using our rails. The money can only be used for payouts backed by already acquired payments. That's where we position ourselves as an Open Payment Stack, and the grander vision is to be like the Linux Foundation, a platform that others can build on top of"