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Divine Research Inc.
Divine Research Inc. develops Credit, an unsecured stablecoin lending system that provides small, progressive loans to borrowers without requiring credit history or collateral. Its services support borrowers and liquidity providers through a World MiniApp and credit.cash.
Distributed
Description
Divine Research Inc. operates Credit, an unsecured lending system using stablecoins on blockchain networks. Credit uses progressive trust-building: borrowers begin with small loans and can increase their limits to $1,000 by repaying on time. The platform provides loans through a World MiniApp, while liquidity providers can supply capital through credit.cash; funds are allocated programmatically and interest rates adjust algorithmically. Divine Research states that Credit has issued hundreds of thousands of loans to more than half a million borrowers and serves use cases including groceries, medicine, transportation, and utility bills.Grant Funding
VC Funding
None
2025
$0
$6.6M
Technology & Skills
CAUSAL INFERENCE
CREDIT BUREAU DATA
PORTFOLIO MONITORING
SQL
DATA PIPELINE
REJECT INFERENCE
ERC4626
VINTAGE ANALYSIS
CREDIT RISK MODELING
STORYTELLING
METABASE
EXPERIMENT DESIGN
FRAUD DETECTION
SHOVEL
STAKEHOLDER MANAGEMENT
RISK SEGMENTATION
LGD MODELING
GRAFANA
A/B TESTING
PROMETHEUS
ALTERNATIVE DATA
GOLDSKY
DEFI
LOSS FORECASTING
CASH FLOW UNDERWRITING
PD
THE GRAPH
PONDER
DUNE
PD MODELING
PYTHON
ONCHAIN DATA
CREDIT SCORING
SCORECARD DEVELOPMENT
LGD
BLOCKCHAIN DATA
UNDERWRITING
DASHBOARD
PREDICTIVE MODELING