1.4 billion people still lack access to credit.
Traditional finance has failed them. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most. A vendor in Lagos earns cash daily but can't prove a steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. Many turn to informal or predatory lenders. It doesn't have to be this way.
We developed an automated, undercollateralized credit system on top of stablecoins.
It's called Credit.
It uses progressive trust-building. Loans start small and can grow to $1,000. As borrowers build trust, default rates have approached zero. Since December 2024, Credit has issued over 175,000 loans, primarily used for everyday expenses such as groceries, medicine, and transportation. In Argentina, they call it "la salvación del mes"—the month's salvation. Over 100,000 unique people borrowed.
Today, Credit is available to World's 15M human-verified users as a MiniApp. Open the app, request funds, receive them in seconds, repay, unlock more. For liquidity providers, deposits are open at credit.cash. The funds are allocated programmatically, while the interest rate adjusts automatically based on liquidity utilization. When more liquidity is needed, rates rise to attract capital. When liquidity exceeds demand, rates decrease to attract more borrowers.
If you want to help build Credit, see our open positions.
Join us in advancing open, scalable credit.