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Divine Research
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Provides undercollateralized crypto microloans via USDC
Divine Research
Work Here?
Provides undercollateralized crypto microloans via USDC
Overview
Divine Research provides small, unsecured crypto loans to underserved international borrowers, typically under $1,000 in USDC. Borrowers are verified using World ID to prevent multiple accounts, and the loan terms carry 20-30% interest to balance risk. The company differentiates itself by combining AI-driven risk assessment with World ID-based identity checks, and it is backed by Paradigm and Nascent. Its goal is to expand financial inclusion by offering accessible crypto credit while aiming to stay profitable through higher-yield microloans and token-based risk controls.
About Divine Research
Industries
Fintech
Crypto & Web3
AI & Machine Learning
Financial Services
Company Size
11-50
Company Stage
Seed
Total Funding
$6.6M
Headquarters
San Francisco, California
Founded
2024
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Simplify's Take
What believers are saying
- Divine reported 175,000 loans in 2025 and over 30,000 earlier in 2025.
- Recent seed funding from Paradigm and Nascent supports hiring and geographic expansion.
- Repeated repayments reportedly cut losses sharply, improving unit economics after first borrowers.
What critics are saying
- Worldcoin faces bans and probes in Brazil, Colombia, Indonesia, Germany, and Spain.
- Forty percent first-loan defaults make a single underwriting error destroy 2026 economics.
- A World ID shutdown or token restriction would strand Divine's fraud-prevention stack.
What makes Divine Research unique
- World ID verification blocks duplicate borrowing across markets and identities.
- USDC microloans under $1,000 target borrowers excluded from banks and local credit bureaus.
- Paradigm-backed underwriting blends biometric identity, stablecoins, and automated risk controls.
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Funding
Total Funding
$6.6M
Above
Industry Average
Funded Over
1 Rounds
Industry standards
Benefits
Health Insurance
Paid Vacation
Remote Work Options
Flexible Work Hours
401(k) Retirement Plan
Stock Options
Company Equity
Wellness Program
Mental Health Support
Phone/Internet Stipend
Home Office Stipend
Conference Attendance Budget
Professional Development Budget
Family Planning Benefits
Fertility Treatment Support
Adoption Assistance
Parental Leave
Paid Holidays
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%The undercollateralized lending system plans global growth after surpassing 175,000 loans in less than a year
Divine, a blockchain-based micro-lending company, has completed a $6.6 million seed round financing. The funding round was led by Paradigm.
Divine Research is Hiring for 1 Jobs on Simplify!
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About Divine Research
Industries
Fintech
Crypto & Web3
AI & Machine Learning
Financial Services
Company Size
11-50
Company Stage
Seed
Total Funding
$6.6M
Headquarters
San Francisco, California
Founded
2024
Divine Research is Hiring for 1 Jobs on Simplify!
Find jobs on Simplify and start your career today