The Morpho mini app for World App offers loans, borrowing, and DeFi rewards to 25 million users.
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The Morpho mini app for World App offers loans, borrowing, and DeFi rewards to 25 million users.
The Morpho mini app for World App offers loans, borrowing, and DeFi rewards to 25 million users.
April 30, 2025 ▪ 5 minutes read
Human-centered DeFi and human-priority rewards
New possibilities for developers
Learn more
More than twenty-five million users in World App can now put their WLD, WETH, USDC.e, WBTC, and more to work to earn money or take out a loan against those assets without having to sell them. No bridges, no complicated onboarding processes, no handling seed phrases across networks: DeFi on World Chain at scale. This launch is one of the largest implementations of self-managed open finance ever offered to retail users.
Anyone, including those in the U.S., can now open the World App, access the new Morpho mini app, tap into a global market for loans and borrowings in seconds, or deposit into vaults to earn rewards (plus, there are additional rewards for verified humans!). All World Chain users can also access an extensive browser-based frontend interface through Oku Trade, developed by GFX Labs.
These new markets and vaults employ Morpho technology, the leading decentralized lending platform on Ethereum and its L2 ecosystem, with over $4.5 billion in deposits and nearly $2 billion in active loans. Morpho offers a flexible infrastructure that enhances the creation of customized lending use cases, such as the Morpho mini app for World.
Human-centered DeFi and human-priority rewards
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 the crypto world, World ID also allows for a portion of these rewards to be specifically targeted and prioritized for real humans in DeFi, not for 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-priority gas policy are implemented to help prevent gas fees from consuming small balances by giving World ID-verified holders a generous gas allocation, on-chain microloans will become practical for the first time.
World Chain's ability to distinguish humans from bots unlocks a massive audience that DeFi has struggled to capture: real people with real balances who are using cryptocurrency in their daily lives, and not purely as a speculative instrument.
Whether you have five dollars in Manila or five thousand in Buenos Aires, you can now access the same transparent market, protected by open-source smart contracts instead of opaque intermediaries. For many newcomers around the world, this will be their first opportunity to earn with their assets without relying on a bank.
To be eligible for human-priority rewards on vault deposits, you must verify your World ID. It is quick and, in line with cryptocurrency beginnings, completely anonymous; World is designed not to know who you are; only that you are human.
You can download the World App and create your own self-custodied 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 are not 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 smart contracts directly into World Chain. Verifying a user's account with their World ID as the only requirement allows protocols to explore credit under-collateralization, reputation-based lending circles, or loyalty programs that bots cannot manipulate.
This launch is a step further in that World App transitions from being a simple wallet to store your dollars to becoming a full financial toolbox for people around the world. World ID and World Chain can make things like asset-backed savings, pay-as-you-use insurance, cross-border payroll—and more—possible in DeFi for the first time.
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 of World’s social media channels or get important additional information about the project by reading the World protocol whitepaper.