We develop Credit, an unsecured lending system credit.cash
Joined May 2025
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- Followers 12,751
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Pinned Tweet
25 Sep 2025
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
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Divine retweeted
Apr 14
1/ Sharing name-generator: a fast workflow for finding product names that might actually be usable.
It uses Claude to generate natural-sounding names and screen them for obvious trademark and namespace issues.
github.com/DivineResearch/na…
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Mar 24
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.
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Mar 24
Finally, the design formalizes how to safely scale credit limits with repayment.
Limits grow only as much as possible without creating a profitable opportunity for strategic "repay-then-default" attacks.
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23 Dec 2025
Credit has now issued 1,000,000 undercollateralized loans
We’ve raised the vault cap from $2M to $4M
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24 Nov 2025
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
docs.world.org/mini-apps/ref…
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24 Nov 2025
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
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21 Oct 2025
Credit has issued 500,000 undercollateralized loans!
To celebrate, we're releasing an analytics page at credit.cash/analytics. Track utilization, share price, real-time loan activity, and more
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