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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
People at Divine Research
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Simplify's Take
What believers are saying
- World Chain integration cuts fraud, speeds loans in emerging markets.
- USDC adoption by processors opens distribution for microloans.
- $6.6M Paradigm-led funding fuels global expansion past 175,000 loans.
What critics are saying
- World ID outages block verification, halting loans in 3-6 months.
- USDC depegs 5-10% from custodian collapse, triggers mass defaults.
- Goldfinch's AI lending at 15% lower rates poaches borrowers in 6-12 months.
What makes Divine Research unique
- Divine uses World ID iris-scanning to prevent multi-account defaults.
- Offers undercollateralized USDC microloans under $1,000 to underserved borrowers.
- Progressive trust system grows loans from small to $1,000 as reliability builds.
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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