Morpho is now running lending and borrowing for 37 million people who use World App. This is a big shift for DeFi: instead of focusing on traders and complex tools, it’s finally serving normal people in their everyday lives.
In just six months on World Chain, Morpho has already passed $100M in deposits. That’s not from hype or short-term yield hunters. It’s from real people around the world using onchain lending for the first time. More than 2.2 million users have opened the Morpho Mini App inside World App, and over 900,000 of them are verified humans – not bots, not fake accounts. For the first time, onchain lending is happening at scale in a place where identity is real and users are global.
Morpho works here because it keeps the experience simple. All the complex DeFi stuff stays in the background: isolated markets, vaults, smart matching, and rate bands. What the user sees is just four actions: deposit, borrow, repay, earn. World App gives a clean, easy interface. Morpho provides the secure credit system behind it.
World Chain is built for high-volume, human use: low fees, simple UX, and identity-based distribution. That fits perfectly with Morpho’s design. Instead of wild, volatile markets, users get more stable lending and borrowing. Instead of everyone sharing the same risky pool, Morpho uses isolated, controlled credit environments. This helps new users trust the system, which is crucial at this scale.
The real breakthrough is distribution. DeFi protocols can build great credit engines, but without users they don’t matter. World App already has the users. Morpho already has the credit layer. Together, they let someone in Africa, Latin America, Southeast Asia, the US, or Europe lend and borrow with the same tools — no bank account, no paperwork, no borders.
That’s why “37 million users” isn’t just a flex. These are mostly non-trader, non-DeFi-native people using a simple mobile app to access financial services. They’re not chasing airdrops or playing with advanced dashboards. They’re finally getting a safe, one-tap way to try onchain finance. Morpho turning lending into a simple in-app action at this scale is a major step for consumer crypto.
This model can be reused for much more: savings, payments, credit scoring, microloans, remittances, yield products, and more — all embedded directly into apps people already use. Morpho becomes the invisible financial engine behind many products. Users may never see its name, but it powers the system.
The design is also responsible. Isolated risk reduces chain-wide crashes. Solver matching keeps borrowing rates more stable. Vaults offer curated strategies instead of chaotic open pools. And the identity layer ensures the system grows around real humans, not fake activity. This isn’t just more DeFi; it’s DeFi growing up.
In short, Morpho isn’t just powering a feature. It’s powering access. For millions of people, World App is their first real experience with saving, borrowing, and earning digitally — and Morpho is quietly running the credit engine underneath. Crypto adoption won’t come from complex websites and trader tools. It will come from smooth, simple financial features inside the apps people already use every day. World App brings the reach. Morpho brings the credit system. Together, they show what the future of onchain finance can look like.
