World, the identity project formerly known as Worldcoin, launched its financial super app, World Money, on September 17 across more than 150 countries. The self-custodial wallet combines stablecoins, payments, yield, and investing in a single application, with integrations for services including Stripe, Kalshi, and Morpho. According to World, the launch is designed to give World ID holders new financial service uses for their digital identity and adds to a growing push to make stablecoins part of everyday spending.

The super app allows users to hold dollar-linked and local-currency stablecoins, send money to other users by username, earn yield on their balances, and trade assets, all within the app. Transfers between users are expected to typically settle within seconds and will be mostly free. Users can deposit using Worldcoin (WLD), USDC, EURC, and several other wrapped currencies, and the app will hold funds in eight different currencies.

Because World Money is self-custodial, users retain control of their own keys, and World never takes custody of their funds.

Stripe and Morpho integrations

Stripe provides a new U.S. funding option that lets users convert money from Apple Pay into stablecoins, typically within minutes. For users seeking returns on those balances, World Money relies on Morpho, a decentralized lending protocol in which stablecoins can earn variable, non-guaranteed returns. World cautions that Earn balances are not bank deposits or FDIC-insured accounts, and users could lose some or all of their deposited funds.

The app also offers virtual accounts through the Stripe-owned Bridge, allowing users to receive payroll deposits and bank transfers that are automatically converted into stablecoins. Additional integrations include Kalshi, the regulated prediction-market operator. For now, the Apple Pay on-ramp is a U.S.-only feature, even as the app itself is available in more than 150 countries a gap between global availability and funding rails that frames the app's early rollout.

World ID as the selling point

Identity is central to World's pitch. Users who verify with a World ID receive a limited-time boost on eligible Earn programs, and the company is positioning its human-verification system as the core feature that distinguishes it from competitors.

World argues that its identity system is central to the future evolution of the newly launched super app. As artificial intelligence makes fake accounts easier to create and harder to detect, proving that an account belongs to a real person could become increasingly important for financial services, according to the company. In that sense, World views its network of verified users as a way to add a layer of trust that traditional payment systems cannot easily provide.

That identity layer is one of the main differences between World and its rivals, none of which combine financial services with a sybil-resistant identity credential based on an iris scan. World's move comes as competitors push deeper into the sector: Circle has continued to expand USDC's reach, Stripe acquired Bridge, and PayPal has launched its own stablecoin. The launch therefore lands in a market where major payments players are moving to control both the underlying rails and the consumer relationship — the positioning World is seeking to claim with its identity-first approach.

From orb scans to a financial platform

World is operated by Tools for Humanity, the company co-founded by Alex Blania and OpenAI chief executive Sam Altman. When the project launched as Worldcoin in 2023, the concept was straightforward: users scanned their iris with an Orb, then received a World ID and some free WLD.

The evolution into a financial super app began in March 2025, when World added crypto payments and a chat feature that allowed users to send money directly through conversations. A few months later, Circle launched native USDC on the platform, replacing the bridged version previously used in World App wallets.

Whether its limited-time incentives translate into sustained usage, and whether funding options broaden to match the app's global footprint, are open questions as the rollout progresses. At the time of writing, WLD was trading around $0.38, up roughly 4% over the past 24 hours.