Divine

We develop Credit, an undercollateralized lending system

[Divine @DivineResearch]

Announcing Credit — an automated, undercollateralized lending system built on stablecoins. Live since December 2024, it has issued 175,000+ loans to 100,000+ unique borrowers worldwide

We raised $6.6M led by Paradigm, with Nascent and strategic angels, to scale and expand Credit

[Divine @DivineResearch]

Casia isn't open to liquidity providers yet, but its waitlist is. Join at https://t.co/BgLxHNiBz7 with the wallet you used on Credit.

[Divine @DivineResearch]

Credit is graduating to Casia, our standalone mobile app.

If you supplied USDC to Credit, withdraw it all at https://t.co/BgLxHNiBz7 by December 31, 2026. After that date, we'll discontinue support for the vault, and any USDC left in it will become permanently inaccessible.

[Divine @DivineResearch]

Your USDC funded 1.49 million undercollateralized loans for 922,307 people verified only with World ID.

Thank you to every liquidity provider who made that possible.

[Divine @DivineResearch]

@Manzana20255 Hola! Desde la app de Credit en World
https://t.co/ynk9qEphZv

[Divine @DivineResearch]

Announcing Credit — an automated, undercollateralized lending system built on stablecoins. Live since December 2024, it has issued 175,000+ loans to 100,000+ unique borrowers worldwide

We raised $6.6M led by Paradigm, with Nascent and strategic angels, to scale and expand Credit

[Diego Estevez 🇦🇷🇺🇸 @0xfuturistic]

1/ Sharing name-generator: a fast workflow for finding product names that might actually be usable.

It uses Claude to generate natural-sounding names and screen them for obvious trademark and namespace issues.

https://t.co/uynUxaswo4

[Divine @DivineResearch]

Dive into the full mechanism design here: https://t.co/XP6l6kmUwl

[Divine @DivineResearch]

How can a permissionless network issue unsecured credit when the cost of creating a fake identity is zero?

Today, we’re sharing a mechanism for pseudonymous lending that requires neither overcollateralization nor legal recourse.

[Divine @DivineResearch]

Finally, the design formalizes how to safely scale credit limits with repayment.

Limits grow only as much as possible without creating a profitable opportunity for strategic "repay-then-default" attacks.

[Divine @DivineResearch]

@bluepupq Hello! Could you please send us a DM?

[Divine @DivineResearch]

Credit has now issued 1,000,000+ undercollateralized loans

We’ve raised the vault cap from $2M to $4M

[Divine @DivineResearch]

@KazumaxCrypto You can see who we’re lending to exactly here: https://t.co/yrva9Rx7ov

[Divine @DivineResearch]

Supply USDC today: https://t.co/xGJcEpmSV1

[Divine @DivineResearch]

The API is live. You can try it here:

https://t.co/tVtkGw1Vsa

[Divine @DivineResearch]

Introducing the Credit Scoring API: real-time creditworthiness data for 500k+ World accounts that have borrowed on Credit

Use it to focus your app and incentives on trustworthy users who are less likely to game or farm your system

https://t.co/ezTkgXOusw

[Divine @DivineResearch]

You can use the API to tune rewards, limits, or access. For example:

✦ Offer higher rewards to users with high credit scores, who are more likely to be high-quality

✦ Restrict or offer lower rewards to users with low scores, who are more likely to engage in fraud or farming