World, the digital identity and cryptocurrency project formerly known as WorldCoin, has launched World Money, a self-custodial financial application combining stablecoin payments, digital-asset trading, and rewards, in a rollout covering more than 150 countries. The launch began on September 17, 2026, with features and eligibility varying by jurisdiction, the company said.

According to World, the application is built around four core functions, allowing users to:

• hold supported digital assets in a self-custodial wallet;
• send stablecoins and other tokens to recipients using World usernames;
• trade assets through integrated exchanges; and
• deposit eligible assets into programs that generate rewards.

As a self-custodial product, World Money is designed to let users retain direct control over their digital assets rather than relying on a centralized intermediary to hold funds — a structure that also places responsibility for safeguarding account access on the user rather than on a company.

World Money supports account balances in eight currencies and includes portfolio tracking, transaction histories, and price alerts. Its Mini Apps ecosystem integrates third-party services, including the prediction-market platform Kalshi and the decentralized lending protocol Morpho. Stablecoins, which sit at the center of the app's payment function, are digital tokens designed to hold a steady value, typically through a peg to a reference currency such as the US dollar.
In the United States, a partnership with the payments company Stripe allows users to fund World Money through Apple Pay and convert those funds into stablecoins, with deposits typically arriving within minutes, according to the company.

Through the app's Earn feature, users in supported markets can deposit assets — including WorldCoin (WLD), USDC, wrapped Ether, and wrapped Bitcoin — into on-chain lending programs operated through Morpho. Wrapped Ether and wrapped Bitcoin are tokenized versions of Ether and Bitcoin designed for use in on-chain applications. Both rewards and asset availability vary by jurisdiction.

The launch also separates World's financial and identity functions into two distinct applications. The World ID App is focused on identity verification and credentials, while World Money handles wallets, payments, and other financial services. Existing World App and World ID App users can access World Money using their existing accounts, the company said.

World has said its identity system is designed to provide proof that users are unique humans, which it says can help establish trust in financial transactions as artificial intelligence makes the creation of fake accounts easier.

World Money is operated by Tools for Humanity, the company co-founded by Alex Blania and Sam Altman, chief executive of the artificial intelligence company OpenAI, that helped launch the World network.

World noted that World Money is not a bank, and that digital assets and stablecoins held through the application do not constitute deposits and are not covered by government deposit-protection schemes.