Store credit from $2.50. No paperwork. The money goes to the store, never to the borrower.
Anyone with a World ID can get a first credit of $2.50 at a shop that knows them, and the limit grows with every repayment.
Deployed on World Chain mainnet, pilot in Metro Manila, September 2025. Next pilot market: Buenos Aires (in preparation).
Where we areSeptember 2026
- Pilot
- Metro Manila, September 13 to 19, 2025. Three stores, 28 transactions, 23 borrowers.
- Technology
- The NanoLoanManager contract is deployed on World Chain mainnet, unaudited, with a founder-funded pool. Address and pilot data on request.
- Next market
- Buenos Aires, ten stores near World Orb locations. Partner conversations are running.
- Funding
- We are raising a $250k pre-seed round on a SAFE: twelve months, one partner running on our rails, three months of repayment data.
Why sub-$25 credit works now
Credit of a few dollars never made sense, because checking the customer and moving the money cost more than the credit itself. That changed.
$0
Identity check
A KYC check costs $2 to $10 per user. Nobody spends that on a $2.50 credit. World ID proves a person is unique, at no cost to the borrower. We do not need their name or their age. The shop owner knows the customer.
$0
Transaction fees
On World Chain, gas for verified users is sponsored. On any other chain the fee alone would eat a ticket this small.
100 %
Goes to the store
The credit settles with the shop. The customer walks out with the goods, never with the money. There is nothing to cash out and run with.
The informal alternative in the pilot markets: $3 today, $3.60 next week, more than 800 % a year. NanoCredit charges about 50 % a year, and the contract stops counting interest after twelve months.
Why the shop owner matters: store credit only works face to face. The owner sees the person standing at the counter and the app shows the World ID proof next to them. That is the whole identity check.
From the founder
Why World ID
Why blockchain, and why World ID
Most projects look for a use case after the fact. Here the use case came first: credit of a few dollars, without an expensive identity check. The system does not need to know who you are, only that you are unique.
Alexander Schmitt, Berlin.
Mercator Fellow 2025, ran the Manila pilot, preparing the Buenos Aires pilot.
Two more clips on How it works.
Recorded for the Builders: Berlin podcast by Solveri, CIC Berlin, July 2026.
Talk to the founder
Thirty minutes, no deck required. Bring your questions about the pilot, the contracts or the next market.