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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
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
Company News
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