Aethir and Credible Introduce DePIN-Powered Credit Card for Token Holders

Aethir and Credible Finance have introduced a credit card and loan product powered by a decentralized physical infrastructure network (DePIN), allowing users to access stablecoin credit without liquidating their tokens. The product is designed to give Aethir's native ATH token holders and node operators access to financial capital and is expected to expand to a broader user base. The move aims to address the limitations of traditional overcollateralized lending models and the global credit gap for small- and medium-sized businesses.

Aethir, a decentralized GPU cloud network, and Credible Finance, a lending protocol, have introduced a groundbreaking credit card and loan product powered by a decentralized physical infrastructure network (DePIN). This innovative solution aims to provide Aethir's native ATH token holders and node operators with access to stablecoin credit without the need to liquidate their tokens. The product, which debuted on July 16, 2025, is designed to blend on-chain infrastructure with real-world financial capital, addressing the limitations of traditional overcollateralized lending models and the global credit gap for small- and medium-sized businesses.

The new credit card allows eligible users to collateralize their ATH tokens to access a revolving credit line or preload a no-fee card with ATH or stablecoins on the Solana blockchain. Loan approvals and limits are determined by Credible's AI-driven credit engine, which evaluates a user's on-chain activity, asset holdings, and transaction history. This initiative comes at a time when crypto borrowing has seen a significant decline, with decentralized lending platforms experiencing a $4.75 billion contraction in open loans during the first quarter of 2025 [1].

DePIN projects leverage blockchain incentives to crowdsource the development of real-world infrastructure. In Aethir's case, node operators contribute computing power and earn ATH in return, based on factors like uptime, performance, and job completion. This effectively turns physical infrastructure into on-chain income. The launch of the credit card is initially available to GPU providers, node operators, and token holders, with plans to expand later [2].

The move is a significant step in blending on-chain infrastructure with real-world financial capital, addressing the limitations of overcollateralized lending models. It highlights the potential of DePIN technology to create new financial opportunities and bridge the global credit gap for small- and medium-sized businesses.

References:
[1] https://www.coindesk.com/tech/2025/07/16/aethir-and-credible-introduce-depin-powered-credit-card
[2] https://finance.yahoo.com/news/aethir-credible-introduce-depin-powered-120000189.html