Divine has developed Credit, an undercollateralized lending protocol that grants microloans with no paperwork or collateral, relying only on a user’s wallet behavior to assess creditworthiness. Since December 2024, it has issued over 175,000 loans to more than 100,000 unique borrowers across borders, processing decisions and repayments in seconds. The platform gradually increases borrowing limits for reliable borrowers while discouraging defaults through incentive-aligned design and programmatic liquidity allocation.