@DivineResearch

We develop Credit, an undercollateralized lending system https://xitter.cf/t.co/jOfxnwIN0h

divine.inc
Joined May 2025
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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
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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. github.com/DivineResearch/na…

GitHub - DivineResearch/name-generator: Generate product names, screen obvious conflicts, and...

Generate product names, screen obvious conflicts, and refine toward better picks - DivineResearch/name-generator

github.com
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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.
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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.
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Dive into the full mechanism design here: writing.divine.inc/delegated…

Unsecured Lending via Delegated Underwriting

We develop a mechanism for unsecured lending among pseudonymous users that does not rely on collateral, legal identity, or centralized underwriting. New borrowers enter only through sponsors who...

arxiv.org
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Credit has now issued 1,000,000+ undercollateralized loans We’ve raised the vault cap from $2M to $4M
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Supply USDC today: credit.cash

Credit - Vault

Supply and withdraw your USDC on Credit

credit.cash
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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 docs.world.org/mini-apps/ref…

World Developer Docs

Build with World ID, Mini Apps, and World Chain.

docs.world.org
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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
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The API is live. You can try it here: docs.world.org/api-reference…
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Credit has issued 500,000+ undercollateralized loans! To celebrate, we're releasing an analytics page at credit.cash/analytics. Track utilization, share price, real-time loan activity, and more

Credit - Analytics

Analytics for Credit

credit.cash
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We hit our $2M cap at credit.cash. We'll increase it soon. Stay tuned!
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We’re also hiring. If you want to build credit that is instant, universal, and algorithmic by design, join us jobs.ashbyhq.com/DivineResea…

Divine Jobs

Divine Jobs

jobs.ashbyhq.com
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You can find more details about Credit in our blog post writing.divine.inc/seed-roun…

Divine Raises $6.6M to Scale Unsecured Lending

Credit is an undercollateralized lending system with 100,000+ unique borrowers and 175,000+ loans issued

writing.divine.inc
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