Divine

Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4 billion people lack access to credit. A vendor in Lagos earns cash daily but can’t prove steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. The economics are clear: serving the global majority remains structurally unprofitable for traditional institutions.

We abandoned these assumptions to create Credit. Instead of expensive verification, we use progressive trust-building: loans start small and can grow to USD $1,000+. In Argentina—where staggering inflation causes banks to routinely fail—over 20,000 people use Credit for groceries, medicine, and transportation. They call it “la salvación del mes”—the month’s salvation. Undercollateralized lending at scale. As borrowers build trust, default rates have approached zero. Word spreads: 140,000 people now wait for access.

Backed by Paradigm and Nascent, we’re building not charity but a profitable system serving those whom banks structurally cannot. We see an encouraging future: Instantaneous. Universal. Algorithmic by design. The technology exists. The demand is massive. Join us in making credit a human right, not a privilege.