# Divine

**Canonical:** https://apis.io/providers/divine/  
**Website:** https://divine.inc  
**APIs profiled:** 0

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.

## Kin Score — 10.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 10.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Divine Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Company, Crypto, Fintech, Lending, Stablecoins, DeFi, Credit

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/divine/). Scores are computed from the provider's own public artifacts under a published rubric.