Mobile Credits (Credit Chip) is a payment platform built around a simple idea: any modern phone should be able to act as a point-of-sale terminal without extra hardware or merchant onboarding friction. Users create a free Mobile ID that doubles as a professional vCard and link-in-bio hub, then connect it to wallets and cards to accept payments online, in person, on the blockchain and inside metaverse environments. The platform supports P2P, C2B, B2C, B2B, A2A and government-related transaction types, with contactless NFC and QR flows for in-person checkouts and PINless authentication.
Unlike a traditional PSP, Mobile Credits leans heavily on decentralized finance. A single 24/7 gateway handles payments coming from credit and debit cards, crypto wallets or a customer's bank account, and the company promotes smart contracts as a way to automate settlement without intermediaries. AI sits on top of this stack: it is used for fraud prevention, conversion optimization and real-time transaction handling, and the platform markets a wider AI agent layer for asset control and automation.
The business model is tiered rather than purely usage-based. A free Social plan gives one Mobile ID with unlimited social channels and a QR builder, while paid Creator, Web3 and Enterprise subscriptions add more Mobile IDs, wallet top-ups, marketplace access, branding removal and premium support. Mobile Credits also promotes 0% transfer fees between its own wallet users and a network of more than a thousand integrated apps and services, positioning itself as an all-in-one tool for creators, small merchants and crypto-native sellers.
