Creditas vs Pay3
Creditas vs Pay3, compared side by side on 16 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Creditas is on 76/100 and Pay3 on 33/100.
Where each one leads
Creditas
- our overall score: 76/100 against 33/100
- agent readiness: 55/100 against 36/100
- domain rating: 69/100 against 3/100
- headcount: 2,097 against 18
- LinkedIn following: 352,966 against 3,496
Pay3
Leads on none of the measures we hold for both companies.
At a glance
| Measure | Creditas | Pay3 |
|---|---|---|
| What it is | Online platform for asset-backed consumer loans, offering secured credit with lower interest rates. | Enterprise-focused stablecoin payments platform enabling AI agents to autonomously execute financial transactions. |
| Category | Fintech, Lending, Embedded Finance, Consumer Loans | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2C | B2B |
| Offering | Platform | Platform |
| Founded | 2012 | 2021 |
| Headquarters | São Paulo, Brazil | San Francisco, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Creditas | Pay3 |
|---|---|---|
| Employees | 2,097 | 18 |
| Total funding | $40.0M | Not published |
| Latest round | Series B | Not published |
| Valuation | $4.8B | Not published |
| LinkedIn followers | 352,966 | 3,496 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Creditas | Pay3 |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 76/100 | 33/100 |
| Traction | Not published | 13/100 |
| Team | 36/100 | 60/100 |
| Search visibility | 100/100 | 27/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (55/100) | F (36/100) |
| Domain ratingLink authority, 0-100 | 69/100 | 3/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Creditas | Pay3 |
|---|---|---|
| Hosting | Not detected | Self Managed |
| CDN | Cloudflare | Not detected |
| Frameworks | Next.js, React | Tailwind CSS |
| Analytics | Google Tag Manager, Segment, Amplitude, Linkedin Insight | Google Tag Manager |
| Support stack | Zendesk | Not detected |
| Agentic commerceMachine-readable checkout or agent payment rails | Not detected | Crypto Payments |
Creditas vs Pay3: common questions
Which is better, Creditas or Pay3?
On our 0-100 score Creditas rates higher (76/100 against 33/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 16 data points above: read the rows that match what you are buying for.
How do Creditas and Pay3 compare on the numbers?
Creditas leads on our overall score (76/100 against 33/100), agent readiness (55/100 against 36/100), domain rating (69/100 against 3/100), headcount (2,097 against 18), LinkedIn following (352,966 against 3,496).
Read the full Creditas review and pricing or the Pay3 review and pricing. You can also browse other Creditas alternatives we track.