credafi.com

What It Is

Dapit positions itself as a device-native financial operating system that can turn connected devices into financial terminals; CredaFi is the embedded consumer credit and lending module within its ecosystem. The actual capabilities shown in the content lean more toward an integrated payments/financial infrastructure stack, including MaxaFi merchant operations, an Instant Payments API, card payments, wallets, tax settlement, supplier credit, and AI accounting.

Core Capabilities

Payment coverage is fairly broad: on the instant transfer side, it supports SEPA Instant, FedNow, and Bank Transfer, and highlights that EUR customers can pay via Wise, Revolut, or euro bank transfer. On the card side, it lists Visa, Mastercard, AMEX, and 3DS. On the device side, it offers Tap-to-Phone and Tap-to-Pay. At the infrastructure layer, it also describes a unified wallet and routing system for fiat, crypto assets, and NFTs. The SEPA Instant API flow is relatively clear: create a session, generate an invoice, display the IBAN, beneficiary, and reference, then the system automatically reconciles roughly every 60 seconds and sends webhook notifications. A Hosted Checkout option is also available. The API documentation is fairly detailed, covering API key verification, transaction lists, status lookup, QR codes, and handling of partial or overpayments.

Pricing and Settlement

Public pricing is incomplete. The content only provides an example for an OEM/partner model: if a merchant processes $200,000 per year, a 1.5% platform fee would generate around $3,000 per year per device in revenue. For instant payments, it only claims low fees, no chargebacks, and no rolling reserve. On settlement, SEPA Instant is said to arrive within 10 seconds with same-day settlement, while automatic reconciliation typically triggers a webhook about 60 seconds after settlement. Standard SEPA may take up to one business day.

Compliance, Risk Controls, and Gaps

Compliance claims include PCI MPoC/CPoC, EMV L2/L3, AML/OFAC/KYC, and IFRS/GAAP. Risk controls include real-time underwriting, device identity, fraud scoring, and Interpol checks. However, the content does not disclose the licensed entity, regulatory registration numbers, fund segregation, or custody/safeguarding arrangements, which are key due-diligence gaps for payments and lending use cases. Another issue is that pages on credafi.com heavily use the Dapit/MaxaFi branding, making the product boundaries somewhat complex.

Best Fit and China Access

It is better suited to cross-border merchants with development teams, ISOs, payment processors, OEM device manufacturers, and wallet/e-commerce platforms looking to integrate SEPA Instant or device-based acquiring. Access from mainland China, RMB support, local payment methods, and Chinese-language support are not disclosed, so China access is currently unclear. For China-facing merchants, alternatives such as Stripe, Adyen, Checkout.com, Mollie, Wise Business, and Revolut Business may also be worth evaluating.