Divine

Divine Research Inc. is a US-based financial technology company specializing in automated, undercollateralized credit systems designed to enhance financial accessibility for underserved populations. Founded in 2024 and headquartered in San Francisco, US, Divine Research Inc. focuses on providing innovative financial solutions.

The company recently raised USD 6. 6 mn in Seed funding from Paradigm, aimed at expanding their lending capacity and integrating with digital platforms. The firm has executed one deal since its inception, with the most recent deal occurring on September 26, 2025. Divine Research Inc.

has developed a core product named Credit, an automated undercollateralized credit system utilizing stablecoins for financial accessibility. Launched in December 2024, Credit employs a trust-building approach, enabling small initial loans that grow as borrowers establish creditworthiness. It primarily serves cash-dependent individuals in regions like Lagos, Nigeria, and informal workers in Colombia, addressing common financial needs with over 175,000 loans issued. Divine Research Inc.

generates revenue through its Credit system, where loans are requested via a user-friendly app interface. Users receive immediate loan disbursements with repayment terms set by the automated system. Revenue is derived from interest collected on loans, which adjusts based on liquidity utilization, maintaining a sustainable revenue stream while facilitating access to financial resources for historically excluded individuals. In September 2025, Divine Research Inc.

secured USD 6. 6 mn in Seed funding led by Paradigm, which will support the company's plans to expand operations and increase lending capacity. The funding will also enable integration with additional digital platforms, enhancing service delivery and accessibility. Specific future product launches and market expansions are currently under development.