Divine

Divine Research Inc. is a fintech company building blockchain-based unsecured lending for underserved borrowers in emerging markets. Its flagship product, Credit, issues small stablecoin (USDC) loans that start small and can grow to $1,000 as borrowers build trust, with algorithmically set interest rates and default rates that have approached zero. Borrowers access loans through a World MiniApp, while liquidity providers supply capital and earn yield through the Credit Vault at credit.cash. As of late 2024 the platform had issued hundreds of thousands of loans to more than 500,000 borrowers. Divine is backed by Paradigm and was surfaced through its portfolio; this profile is maintained in the API Evangelist network. Divine currently publishes no public developer API, SDKs, or machine-readable API artifacts.

Divine is profiled on the APIs.io network. Tagged areas include Company, Crypto, Fintech, Lending, and Stablecoins.

Divine’s developer surface includes engineering blog and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.1/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyCryptoFintechLendingStablecoinsDeFiCredit

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 12.1/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.4 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/divine: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Source (apis.yml)

aid: divine
name: Divine
description: Divine Research Inc. is a fintech company building blockchain-based unsecured lending for underserved borrowers
  in emerging markets. Its flagship product, Credit, issues small stablecoin (USDC) loans that start small and can grow to
  $1,000 as borrowers build trust, with algorithmically set interest rates and default rates that have approached zero. Borrowers
  access loans through a World MiniApp, while liquidity providers supply capital and earn yield through the Credit Vault at
  credit.cash. As of late 2024 the platform had issued hundreds of thousands of loans to more than 500,000 borrowers. Divine
  is backed by Paradigm and was surfaced through its portfolio; this profile is maintained in the API Evangelist network.
  Divine currently publishes no public developer API, SDKs, or machine-readable API artifacts.
url: https://raw.githubusercontent.com/api-evangelist/divine/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- paradigm
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://divine.inc/og-image.png
tags:
- Company
- Crypto
- Fintech
- Lending
- Stablecoins
- DeFi
- Credit
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://divine.inc
- type: Blog
  url: https://writing.divine.inc
- type: BlogRSS
  url: https://writing.divine.inc/rss/
- type: GitHubOrganization
  url: https://github.com/DivineResearch
- type: TermsOfService
  url: https://divine.inc/terms
- type: PrivacyPolicy
  url: https://divine.inc/privacy
- type: DomainSecurity
  url: security/divine-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence