Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4 billion people lack access to credit. A vendor in Lagos earns cash daily but can't prove steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. The economics are clear: serving the global majority remains structurally unprofitable for traditional institutions.

We abandoned these assumptions to create Credit. Instead of expensive verification, we use progressive trust-building: loans start small and can grow to USD $1,000+. In Argentina—where staggering inflation causes banks to routinely fail—over 20,000 people use Credit for groceries, medicine, and transportation. They call it "la salvación del mes"—the month's salvation. Undercollateralized lending at scale. As borrowers build trust, default rates have approached zero. Word spreads: 140,000 people now wait for access.

We're building not charity but a profitable system serving those whom banks structurally cannot. We see an encouraging future: Instantaneous. Universal. Algorithmic by design. The technology exists. The demand is massive. Join us in making credit a human right, not a privilege.

About the role

We're seeking a fullstack engineer to lead our backend development, including our blockchain indexer, and contribute to frontend development of our World MiniApp. You should have expertise in Rust, Ethereum, and Typescript, along with strong knowledge of Postgres, Next.js, and React.

While speed is crucial, we place equal emphasis on quality, rigor, and optimization. Our app needs to perform smoothly for users worldwide, particularly those using lower-end phones.

Working closely with the founding team, you'll ship frequently and make a direct impact on thousands—if not millions—of lives. You'll see your work being used by thousands of people every day.

Stack

• Rust

• Postgres

• Next.js (Typescript)

• React

• Tailwind (shadcn)

• World’s MiniKit

Key responsibilities

• Lead backend development of our World MiniApp, focusing on performance and scalability

• Own development of our blockchain indexer

• Lead technical discussions and mentor junior engineers

• Work cross-functionally to deliver features

• Review pull requests, maintain code quality standards, and improve codebase through refactoring

Requirements

• Expert in Rust, Ethereum, and TypeScript

• Strong knowledge of Postgres, Next.js, and React

• Track record of building and scaling successful web applications

• Deep understanding of backend performance optimization

• Exceptional problem-solving skills and attention to detail

• Experience scaling infrastructure, especially databases, hosting, and networking

Nice to have

• Experience in technical leadership

• Familiarity with shadcn and World's MiniKit

• Experience contributing to open-source software

Divine Research is an equal opportunity employer.