Divine
Divine Research Inc. is a fintech company building blockchain-based unsecured lending for underserved borrowers in emerging markets. Its flagship product, Credit, issues small stablecoin (USDC) loans that start small and can grow to $1,000 as borrowers build trust, with algorithmically set interest rates and default rates that have approached zero. Borrowers access loans through a World MiniApp, while liquidity providers supply capital and earn yield through the Credit Vault at credit.cash. As of late 2024 the platform had issued hundreds of thousands of loans to more than 500,000 borrowers. Divine is backed by Paradigm and was surfaced through its portfolio; this profile is maintained in the API Evangelist network. Divine currently publishes no public developer API, SDKs, or machine-readable API artifacts.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles Divine the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Divine scores 12.1/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Divine
Each block below is one kind of artifact we hold for Divine. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Divine — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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