The new World App: secure chat, global payments and Mini Apps for everyone

World is the real human network. Someone signs up for World App every 1.7 seconds. Every 3.6 seconds, someone verifies at an Orb. In September, World App became the most-used self-custody digital wallet globally by monthly active users (Source: SensorTower self custodial wallets Monthly Active Users, September 2025). Two billion Mini App opens in just over a year.

Today, that network becomes even more powerful. The new World App is a complete reimagination of how humans connect, move digital assets and participate in the global economy.

World Chat: encrypted messaging for verified humans

Connection starts with conversation. World Chat is now available natively to all World App users. Secured by XMTP, it brings together proof of human, global payments and Mini Apps in a single, seamless experience.

Chats look and feel familiar – you can text friends, create groups and share photos and videos – but the foundation is entirely different. Messages display blue bubbles for verified humans and gray bubbles for those who haven't verified. Profile pictures will be verified against Orb photos stored on a user’s phone – meaning the face you see genuinely belongs to the real World ID holder. In an era of synthetic interactions, this creates a trusted space where humans can connect with confidence.

That trust unlocks something powerful: the ability to move digital assets as easily as sending a message. Send or request payments across continents in individual chats. Split bills in group chats and track who's paid. Wrap payments as gifts with custom animations for birthdays and special occasions. All transfers are borderless, instant and free.

With this update, Mini Apps enter the chat: Third-party apps – such as prediction markets Kalshi and Polymarket, games and savings tools – now run inside message threads, enabling interactive experiences without leaving the chat.

And privacy runs deep. World Chat is end-to-end encrypted and collects no metadata about who you message or when. Your conversations remain yours alone, creating a secure messaging experience built for authenticity, privacy, and human connection.

One global account: borderless payments and new Earn product

Seamless payments in chat are just the beginning. World App lets you access and use digital assets across borders with simplicity and confidence all from within the app.

Virtual accounts

Virtual accounts, powered by Bridge, are now available in 18 countries including the United States, Japan, Singapore, South Korea, Taiwan and across Latin America. Each user receives a unique, personal account number that connects their everyday financial life to the global digital economy — and moves at the speed of the internet.

Receive paychecks directly in World App without an employer needing to navigate blockchains or understand network fees. Add funds from your bank via supported partners. US Dollar deposits can be seamlessly converted to USDC and sent or used across supported countries, 24/7 without waiting for traditional banking hours. World App does not charge a fee for these transfers, and for millions of people worldwide, this represents access to a dollar stablecoin account for the first time.

Multi-currency support

Once funds are in the app, hold and convert between supported digital currencies with no additional fee from World App for in-app conversions. Today, World App is adding support for EURC (Circle's euro-backed stablecoin), wMXN, wARS, wCLP, wBRL, wPEN and wCOP (backed by Ripio) to round out the expanding list of options joining USDC.

New ways to earn

The new Earn feature lets you move eligible assets into an Earn balance and receive variable rewards, with verified humans currently eligible to earn over 15% APY on your first $1,000 in USDC and 18% APY on your first 1,000 WLD. Traditional banks offer fractions of a percent; common crypto products pass through 4 percent. While rates may vary and are not guaranteed, Earn uses proof of human to help limit multiple-account abuse, so each verified human can access the same reward opportunities. Earn works for Worldcoin, USDC, EURC, wARS, Bitcoin and Ethereum at launch, with more assets to follow.

Expanded assets

Beyond Earn, access, swap and trade across more than 100 supported assets. Major cryptocurrencies, World Chain native tokens and a real-world asset – tokenized gold – are all available now.

Real world spending

Pay at over one million merchants in Argentina using QR codes. World Card, launching in Q1, will bring Apple Pay and tap-to-pay to the US and beyond

World ID: increasing trust online

As part of this rollout, World ID is also introducing new capabilities:

Verified human badge: A new badge helps users build trust and reduce impersonation on dating platforms
Privacy-preserving age assurance: Individuals can now prove they are above a certain age without revealing identity details
Tinder integration: Tinder now utilizes the verified human badge and privacy-preserving age verification, starting in Japan

The real human network

World App brings together proof of human, borderless finance and an open platform – all in one place. Where humans connect, transact and build together.

The new World App begins rolling out globally today, download it today.

World App FAQ

What is World App?

World App is an Android and iOS compatible app designed to be a super app for humans in the age of AI.

World App is available in more than 100 countries and, depending on location, you can use World App to:

Save, send, deposit and withdraw cryptocurrency with World Wallet and virtual accounts
Easily authenticate and securely store your verified World ID
Securely and anonymously prove you are a unique human online with your World ID
Claim WLD airdrops
Access a growing selection of Mini Apps
Chat with friends in World Chat, secured by XMTP

How can I get World App?

World App is available in more than 100 countries in the iOS and Google Play stores.

As a self-custodial wallet – where you maintain complete control of your digital assets – World App is engineered to function on approximately 90% of smartphones currently in use worldwide.

What is World Chat?

World Chat is an end-to-end encrypted messaging feature in World App, integrating global payments and Mini Apps.

Which assets does World App support?

World App supports USDC, EURC and wrapped Bitcoin, Ethereum, along with local currencies like wMXN and wARS for borderless, fee-free conversion. In addition, World App supports 100+ cryptocurrency tokens.

How is World App different from other digital wallet apps?

World App is deliberately engineered for universal accessibility. Available in multiple languages, the application supports an exceptional range of devices – including more than 98% of Android phones and nearly 95% of iPhones currently in circulation worldwide. This compatibility extends even to smartphones released over a decade ago.

What information do I have to share to sign up for World App?

World App requires no personal identifiers – no name, email or phone number – to download and establish an account. While you have the option to provide additional information to Tools for Humanity (the developers of World App), such as a phone number for verification purposes, sharing any personal data remains entirely optional and at your discretion.

What are Mini Apps?

Mini Apps are everyday apps optimized for real humans. Through these integrated tools, you can communicate with and send digital assets to friends, top up your phone using digital assets, conduct human-verified polls and play games with other verified humans in your network.
For developers, the Mini Apps ecosystem offers streamlined development and deployment. Mini Apps are web apps are available directly inside of World App.

What are virtual accounts?

With virtual accounts, powered by Bridge, individuals can receive paychecks directly in World App (without an employer needing to navigate across blockchains or understand network fees) and add funds from their bank via supported partners. The funds are seamlessly converted into USDC, held in your World Wallet and you can send or spend the USDC globally, all without World App fees.

Learn more

To stay informed about World, visit the World website or subscribe to the blog below.

You can also join the daily conversation on all World social media channels, or get additional important information concerning the project by reading the World protocol whitepaper.

Disclaimer

World App is a technology platform; not a financial institution. The virtual account feature is powered by Bridge. Important user information, including applicable licensing and eligibility information, is available at www.bridge.xyz and must be evaluated by you and your own advisors for compliance with applicable laws and regulations. Regulatory treatment of stablecoins and virtual currency activities varies by jurisdiction and remains subject to change.

Earn reward rates shown (APY) are variable, subject to change and are not guaranteed by World App. Actual rewards may differ depending on the rates of the underlying third-party protocol provider, balance amount, promotional rates (if any), and may be lower than the rates shown. World App is a technology platform that lets you access third-party protocols; it does not itself provide banking, custody, or investment services. Using on-chain lending protocols involves risks, including potential loss of value. This information is general only and is not financial, investment, or legal advice; consider your own circumstances and, if needed, seek independent advice.

Eligibility for Worldcoin (WLD) tokens is restricted based on geography, age, and other factors. WLD is not available for distribution via World App to people, companies or organizations who are residents of, or are located or incorporated in the State of New York or other restricted territories. World Assets, Ltd. and World Foundation are not responsible for the availability of WLD on third party platforms, such as centralized or decentralized exchanges. For details, go to: https://world.org/legal/user-terms-and-conditions. Crypto products can be highly risky. Important User Information can be found at https://world.org/risks.

The above content speaks only as of the date indicated. Further, it is subject to risks, uncertainties and assumptions, and so may be incorrect and may change without notice. The information in this presentation is general only, and nothing herein is intended to constitute legal, tax, or investment advice, or an offer or solicitation for any product or service. A full disclaimer can be found in our Terms of Use and important user information can be found on our Risks page.