The Credible project as done by SmartPesa is unique in that it brings together:
1) KYC information
2) Cash flow and other financial information
3) Crypto payments and Crypto ATM
4) Fiat payments and fiat ATM


The other projects have elements (e.g. Civic for KYC), but they lack the synergy between the different uses. 

KYC is needed for payments and payments are needed for cash flow information.  So any project that is just on one side does not have the benefit of synergies.  Only Credible has this.