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Divine

Divine builds unsecured, stablecoin-based lending products for the 1.4 billion people worldwide who lack access to credit. Its flagship product, Credit, uses progressive trust-building to let borrowers in underserved markets like Nigeria, Colombia, and Argentina access small loans that grow over time, serving everyday borrowers who lack traditional credit history.

Distributed

Description

Divine develops financial infrastructure aimed at expanding global access to credit for the 1.4 billion people excluded from traditional finance due to lack of credit history, collateral, or access to affordable underwriting. Its core product, Credit, is an unsecured lending system built on stablecoins that uses progressive trust-building, starting borrowers with small loans that can grow up to $1,000 as they build a repayment history, driving default rates toward zero. Since December 2024, Credit has issued hundreds of thousands of loans to over half a million unique borrowers, who use the funds for essentials like groceries, medicine, and transportation. Borrowers access Credit through a World MiniApp for fast fund requests and disbursement, while liquidity providers supply capital via credit.cash, with funds allocated programmatically and interest rates set algorithmically in real time. Divine's clients are primarily underbanked individuals in emerging markets such as Nigeria, Colombia, and Argentina.

Grant Funding

VC Funding

None

2025

$6.6M

Technology & Skills

Uncover the hard and soft skills and tools employed by the organization, and gain insight into the technologies that drive their success