More than twenty‑five million users on World App can now put their WLD, WETH, USDC.e , WBTC and more to work to earn, or get a loan against those assets without having to sell them. No bridging, no clunky onboarding, no juggling seed phrases across networks—DeFi on World Chain at scale. This rollout is one of the largest deployments of self‑custodial open finance ever offered to retail users.
Anyone, including individuals in the US, can now open the World App, tap into the new Morpho Mini App, and access a global lending and borrowing market within seconds or deposit in vaults to earn rewards (plus, extra rewards for verified humans!). All World Chain users can also access an extensive browser-based frontend interface via Oku Trade, built by GFX Labs.
These new markets and vaults are powered by Morpho, the leading permissionless decentralized lending platform across Ethereum and its L2 ecosystem, with $4.5B+ assets in deposits and close to $2B in active loans. Morpho provides a flexible infrastructure that empowers the creation of custom lending use cases, such as the Morpho Mini App on World.
Human-centric DeFi and priority rewards for humans
To celebrate the launch, up to five million dollars in additional token rewards will be available on World over the next twelve months, the largest amount ever deployed with Morpho on any chain. And, in another first for crypto, World ID also allows a portion of these rewards to be uniquely hyper-targeted to and prioritized for real humans in DeFi, not bots. To learn more about World ID rewards, install the Morpho Mini App, or to see the full list of available rewards, visit Merkl.
And as innovations like World Chain’s human‑first gas policy roll out to help stop small balances from getting eaten by gas fees by giving World ID verified holders a generous gas allowance, micro‑lending onchain will become practical for the first time.
World Chain’s ability to distinguish humans from bots unlocks an enormous audience DeFi has struggled to capture: real people with real balances that are using crypto in their everyday lives, and not purely as an instrument for speculation.
Whether you hold five dollars in Manila or five thousand in Buenos Aires, you can now access the same transparent market, protected by open‑source smart contracts rather than opaque intermediaries. For many newcomers around the world, this will be their first opportunity to earn on their assets without relying on a bank.
To be eligible for priority rewards for humans on vault deposits, you must verify your World ID. It’s fast and, in line with crypto’s beginnings, totally anonymous; World is designed to not know who you are—just that you’re human.
You can download the World App and create your own self-custodial wallet to get started. Once you do, you can bridge assets to World Chain using Superbridge, Across, or any other third-party bridge. (If you aren’t a World App user, you can still use Morpho and earn non-World ID rewards through Oku Trade.)
New possibilities for developers
For developers, Morpho markets are permissionless. Wallets, yield aggregators, and other financial products can integrate the smart contracts directly on World Chain. Verifying a user’s account with their World ID as unique enables protocols to explore under‑collateralised credit, reputation‑based lending circles, or loyalty programs that bots cannot game.
This launch is a step further in World App moving from a simple wallet to hold your dollars toward a full‑stack financial toolkit for people all across the world. World ID and World Chain can make things like asset-backed savings, pay-as-you-go insurance, cross-border payroll—and more—possible for the first time in DeFi.
Today is day one for human‑centric DeFi on World and on our mission to bring open finance to everyone around the world. Learn more.
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
The Morpho borrow and vault products and features described herein are not offered or controlled by World or its affiliates. Reward-bearing products are not an investment or an offering to buy or sell your assets. The rewards rate is subject to change at any time due to availability and changes in market conditions.
These Morpho products and features may not be available in all regions, and their availability may change or be restricted without warning. Third parties or networks may charge fees, which you are solely responsible for. Your use of these products and features may also be subject to taxes depending on where you live and/or where you access them. You are solely responsible for compliance with all applicable laws and regulations that may apply to your use of the products and features.
This information is for general knowledge purposes only and should not be interpreted as an offer to invest in, buy, or sell any assets or participate in any investment strategy, nor should it be interpreted as financial, legal, accounting, or tax advice. Before making any financial decisions, it is essential to consult with your own professional advisors. No guarantees are provided regarding the accuracy of this information or the future performance of any digital asset, financial instrument, or market indicator.
World may have relationships with entities mentioned herein. World is not responsible for and does not endorse any external links or third-party websites included in this material, or any other material not posted on an official world.org affiliated website or platform.