Morpho on World powers DeFi access for 37 million World Network participants
2.2M
900K
$100M+
“Morpho on World App brings earn and borrow access to 37 million World Network participants, including 17 million verified humans. For many, the ability to start small matters. Morpho’s onchain lending network makes deposits of all sizes, and micro-loans, practical at scale – accessible from an app interface that people already know and love.”Fares Nimri, Head of Partnerships at World Chain
The Opportunity
World is designed for real humans. Its Orb technology first verifies that people are human and then provides a way for them to prove it, all while keeping their data private. This enables onchain markets, like Morpho’s, to ensure they are prioritizing humans over bots when trust and authenticity are key.
With over 37M users on World App, including 17M verified humans, the opportunity emerged to provide immediate, global access to open, noncustodial borrowing and lending markets to real humans.
The Solution
In May 2025, Morpho network was deployed on World Chain.
World Network participants can access Morpho via various frontends, including Oku on Desktop, Uno, an all-in-one DeFi App, and a Morpho Mini App on the World App, the mobile-first everything app built for World Network.
Individuals can utilize assets like WLD, WETH, USDC, and WBTC to earn yield or borrow against them, all seamlessly and instantly. With just a few taps, anyone can access Morpho-powered yield and loans through an intuitive interface.
Humans can enjoy priority rewards for verified World ID holders (applied to the first $1000 in the USDC vault, and the first 1000 WLD in the WLD vault), and benefit from World’s human-first gas policy that makes micro-transactions economical. These benefits enable widely distributed finance at scale for verified humans while reducing market inefficiencies created by yield-farming bots or multiple accounts.
The Results
- Rapid early traction. Within the first week of Morpho’s Mini App going live, over $18 million in deposits flowed to Morpho markets deployed on World Chain.
- Worldwide distribution. The Morpho Mini App is used by people across the globe, especially in countries with historically limited financial access.
- Onchain market efficiency. Within the first six months after launch, World Chain’s total deposits exceeded $100 million, primarily driven by product demand generated from Morpho markets on World Chain. This demand creates more efficient markets, and competitive rates for real humans on World.
- Supporting World App as a gateway for humans to access onchain finance. To date, over 900,000 verified individuals have used the Morpho Mini App to borrow or lend assets, with a cumulative total of 2.2 million unique users, and total deposits nearing $45 million.
The Morpho Mini App consistently ranks in the top 3 of World App’s Mini App store. But it’s just one part of a user’s financial experience. World App and its Mini App ecosystem enable users to access the ability to send, receive, trade, claim rewards, lend and earn yield, and borrow-all through an intuitive interface.