Encrypted Messaging, DeFi Yield, and Global Payments Signal Broader Platform Ambitions
Tools for Humanity has unveiled a major expansion of its World app, moving it beyond digital identity and basic crypto payments toward a full super-app model that blends communication, finance, and commerce into a single platform.
The update introduces World Chat an end-to-end encrypted messaging system that differentiates between verified and unverified World ID accounts. Users can send messages, request funds, and transfer digital assets directly within chats. The app also now supports mini-apps embedded inside conversations, including prediction markets, games, and financial tools, with optional profile photo verification planned to reduce impersonation.
On the financial side, World App has expanded stablecoin support to include USDC, EURC, and multiple Latin American peso-linked tokens. The release adds DeFi-powered yield products, offering returns of up to 18% on Worldcoin holdings and 15% on USDC, powered by the Morpho protocol.
Payments are also scaling rapidly. In Argentina, users can now make QR-code payments at more than one million merchants, while new US dollar virtual accounts are rolling out across 18 countries, enabling wage deposits, bank transfers, and in-app spending.
Together, these features reflect a broader push to create an all-in-one digital platform combining identity, messaging, payments, and financial services. As Western tech firms increasingly pursue super-app strategies, World App is positioning itself at the intersection of crypto infrastructure, everyday payments, and secure digital identity.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.