Commerce · alternatives · 2026

24 alternatives to XCredit

Build credit by completing payment requests from friends

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. XCredit launched in 2022; newer entries below may have overtaken it.

1. 1GP
   Get Paid to Build Your Next Side Project▲1,100

   2017 · demandrush.com · its alternatives →

2. 2
   Chime Credit Builder▲91

   A new way to build credit

   2020 · its alternatives →

3. 3
   Stripe Capital▲515

   Access to fast, flexible financing to grow your business

   2019 · stripe.com · its alternatives →

4. 4
   Earn.com▲694

   Earn money for replying to emails and completing tasks.

   2017 · coinbase.com · its alternatives →

5. 5
   SmartCredit▲82

   Earn interest or borrow crypto in 2 minutes

   2022 · smartcredit.io · its alternatives →

6. 6
   Crumbs▲191

   Turn spare change into crypto 🚀🌕

   2017 · its alternatives →

7. 7
   TomoCredit▲76

   Earn crypto as credit card rewards

   2019 · tomocredit.com · its alternatives →

8. 8
   I made a credit system API▲42

   I'm a solopreneur and I made it very easy to integrate a credit system into your apps and games using Creduse. I built Creduse because more and more users want pay-as-you-go models, and founders need new ways to increase user engagement or nicely limit cost-intensive features (see AI). Creduse is built by a developer for developers. I hope it will help as many startups as possible. Feedback are very much appreciated. Francesco

   2024 · creduse.com · its alternatives →

9. 9
   The Business Credit Builder▲12

   Build Business Credit. Access Funding. Stay Compliant.

   2025 · gocredifi.com · its alternatives →

10. 10
    Tillful Card - Credit Building Card▲101

    All-new business credit card that builds your credit score

    2022 · nav.com · its alternatives →

11. 11
    Mint Club▲119

    No-code crypto builder with instant liquidity

    2021 · mint.club · its alternatives →

12. 12
    X1 Card▲128

    A metal credit card based on your income, not credit score

    2020 · robinhood.com · its alternatives →

13. 13
    Request Create▲87

    A simple way to get paid in crypto

    2020 · easyinvoice.request.network · its alternatives →

14. 14SB
    Spread bitcoins by lending to friends▲67

    2013 · bitcoinswithfriends.com · its alternatives →

15. 15
    Method Financial▲160

    Embed debt repayment into your app in minutes.

    2021 · methodfi.com · its alternatives →

16. 16
    Offset – Credit card powered by trust between people▲150

    2020 · offsetcredit.org · its alternatives →

17. 17
    Soon▲86

    Reimburse your spending w/ crypto gains, powered by OpenAI

    2023 · soon.app · its alternatives →

18. 18
    CreatePay▲88

    Secure instant payments for the creator economy

    2023 · soundsmith.io · its alternatives →

19. 19
    Crypto Portfolio Builder▲60

    profit from volatility

    2022 · coinexams.com · its alternatives →

20. 20
    Mint Blockchain▲108

    Boilerplate code to build blockchain powered social apps

    2018 · github.com · its alternatives →

21. 21
    CoinMarketCap Earn▲79

    Earn crypto assets while learning

    2021 · coinmarketcap.com · its alternatives →

22. 22
    Grow Credit▲21

    Boost Credit For Free On All Three Credit Bureaus

    2021 · growcredit.com · its alternatives →

23. 23WM
    When my builds fail I pay money to charity▲87

    2018 · medium.com · its alternatives →

24. 24
    Partial.ly▲77

    Let your customers build their own payment plans

    2017 · partial.ly · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →