Divine
@DivineResearch · joined 30 May 2025
We develop Credit, an unsecured lending system https://t.co/jOfxnwIN0h
12 579Followers
3Following
29Posts total
691.5KViews on collected posts
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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. https://t.co/ZcOhSlikYQ
8.5K views · 41 likes
· 5 reposts · 6 replies
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Credit has now issued 1,000,000+ undercollateralized loans
We’ve raised the vault cap from $2M to $4M https://t.co/FYOR6l0FMX
15.1K views · 55 likes
· 7 reposts · 6 replies
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The API is live. You can try it here:
https://t.co/tVtkGw1Vsa
2.1K views · 8 likes
· 1 reposts · 0 replies
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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
2.7K views · 11 likes
· 2 reposts · 2 replies
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The API also returns the status of any World account on Credit, telling you whether they have no loan, an active loan, or a defaulted loan
572 views · 4 likes
· 0 reposts · 1 replies
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World proves real humans; the Credit Scoring API tells you if you can trust them. Scores are calculated purely from on-chain data. Everyone starts at 0, and scores increase with successful repayments
812 views · 5 likes
· 0 reposts · 1 replies
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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
https://t.co/ezTkgXOusw
26.2K views · 73 likes
· 7 reposts · 10 replies
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Credit has issued 500,000+ undercollateralized loans!
To celebrate, we're releasing an analytics page at https://t.co/yrva9Rx7ov. Track utilization, share price, real-time loan activity, and more
11.7K views · 84 likes
· 6 reposts · 11 replies
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@DivineResearch Congrats to the team! We're excited to see @worldcoin builders pushing the ecosystem forward 🔥
13.9K views · 197 likes
· 44 reposts · 27 replies
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Anyone can provide liquidity at https://t.co/BgLxHNiBz7. Deposits are open today and temporarily capped at $2M. Capital is allocated programmatically to borrowers
27.1K views · 246 likes
· 83 reposts · 13 replies
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We’re also hiring. If you want to build credit that is instant, universal, and algorithmic by design, join us
https://t.co/NKwBCQIT8E
30K views · 254 likes
· 69 reposts · 16 replies
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You can find more details about Credit in our blog post
https://t.co/3O61B2YnSs
30.1K views · 241 likes
· 54 reposts · 17 replies
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1.4B+ people can't access fair credit. Traditional underwriting is expensive, manual, and biased, pushing many to informal or predatory lenders. It doesn’t have to be this way
41.3K views · 361 likes
· 106 reposts · 32 replies
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We built Credit from first principles. Borrowers start small and progress up to $1,000 as they repay on time
Early strategic defaulters are filtered out at low cost. The protocol makes building history just to default later economically irrational
31.1K views · 294 likes
· 81 reposts · 18 replies
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Borrowers get access through our World MiniApp, which enables credit for World’s 15M+ human-verified users
Users have called Credit "la salvación del mes" — the month’s salvation. They used the loans for groceries, medicine, transportation, utility bills
https://t.co/SYqiCqgBOs
29.2K views · 419 likes
· 143 reposts · 47 replies
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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
420.7K views · 5.6K likes
· 3.6K reposts · 2.4K replies
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0:15
Growth & engagement
How the posts we collected actually performed: views and reaction rate post by post, what the audience did with them, and where the follower count goes.
Views per post
41.3K25 Sep
30.1K
30K
27.1K
13.9K
11.7K21 Oct
26.2K24 Nov
812
572
2.7K
2.1K
46825 Nov
15.1K23 Dec
8.5K24 Mar
Last 14 collected posts, oldest on the left. The scale is logarithmic: one post can outrun the rest a hundred times over.
Engagement rate per post
1.21%25 Sep
1.04%
1.13%
1.26%
1.93%
0.86%21 Oct
0.34%24 Nov
0.74%
0.87%
0.56%
0.42%
0.85%25 Nov
0.45%23 Dec
0.61%24 Mar
Reactions — likes, reposts, replies and quotes — divided by views.
What the audience does
Likes50.2%7 936 in total
Reposts26.7%4 230 in total
Replies16.6%2 620 in total
Bookmarks6.5%1 035 in total
Share of every reaction we collected for this account. Replies mean argument, reposts mean endorsement, bookmarks mean the post was worth keeping.
The follower curve appears once this account has two daily snapshots — we take one a day, and this one is on its first.
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