Sam Altman-backed World App launches human-focused DeFi with Morpho

World App has introduced a large retail rollout of decentralized finance tools, giving over 25 million users access to lending, borrowing, and yield-generating products directly within the app.

The integration, powered by Morpho—a decentralized lending platform with over $4.5 billion in deposits—enables users to put assets like WLD, WETH, USDC.e, and WBTC to work without bridging or dealing with seed phrases, according to a company post.

Through the new Morpho Mini App and browser-based Oku Trade interface, users can earn rewards or take out loans without selling their assets. Verified users with a World ID will receive priority access to $5 million in token rewards distributed over the next year, a first for Morpho on any blockchain.

World Chain’s human-first design plays a key role in this rollout. Gas fee subsidies for verified users make micro-lending feasible, while World ID enables reward targeting to real users rather than bots. 

Developers can build on World Chain by integrating Morpho’s permissionless lending infrastructure and using World ID for novel use cases like under-collateralized credit and anti-bot loyalty programs.

Worldcoin into the U.S.

This news comes as Worldcoin officially launched in six U.S. cities, allowing users to claim WLD tokens by scanning their irises at designated Orbs. 

The project also announced plans for a Visa -powered debit card linked to the World App, allowing users to spend WLD ( WLD ) tokens at any merchant that accepts Visa. 

In response to privacy concerns, Worldcoin introduced features like Personal Custody and the ability for users to delete their iris data permanently.