Tools for Humanity expands World app toward super-app model

cointelegraph2025-12-12 tarihinde yayınlandı2025-12-12 tarihinde güncellendi

Özet

Tools for Humanity, co-founded by OpenAI CEO Sam Altman, is expanding its World app into a super-app model by adding encrypted messaging, financial services, and third-party mini-apps. The update includes end-to-end encrypted messaging with verified accounts, support for stablecoins like USDC and EURC, and yield products offering up to 18% returns. Users in Argentina can make QR code payments at over a million merchants, and virtual US dollar accounts are available in 18 countries. This move aligns with a broader trend in the U.S., where companies like Elon Musk’s X and Coinbase are also developing super-apps that integrate social, financial, and payment features.

Tools for Humanity is broadening its World platform beyond digital identity and crypto payments, adding encrypted messaging and financial services to its app as part of a push toward a super-app model.

The company, co-founded by OpenAI CEO Sam Altman, introduced an in-app messaging feature with end-to-end encryption that distinguishes between verified and unverified World ID accounts and enables users to send or request digital assets within chats.

According to an announcement, the application now supports third-party mini-apps, including prediction markets, games and financial tools, that run inside conversations. Tools for Humanity said it plans to add optional profile photo verification to help reduce impersonation and misuse.

The changes were released in San Francisco on Thursday by co-founders Altman and Alex Blania.

*Alex Blania, left, and Sam Altman. Source:* *Tools for Humanity*

World App has also expanded stablecoin support to include USDC (USDC), EURC (EURC) and several Latin American peso-linked tokens. The release introduces yield products offering rates of up to 18% on Worldcoin (WLD) holdings and up to 15% on USDC, powered by the DeFi protocol Morpho, according to the company.

On the payments side, users in Argentina will be able to pay at more than one million merchants using QR codes.

The update also adds US dollar virtual accounts powered by Bridge in 18 countries, including the United States, Japan and several markets across Latin America, allowing users to receive wages, fund accounts from banks and spend USDC inside the app.

Tools for Humanity is a technology company that led the development of World Network and operates World App. World, formerly known as Worldcoin, is the digital identity and financial infrastructure project developed and operated by Tools for Humanity.

Related: Thai regulators raid alleged World iris scanning site, arrest multiple suspects

The evolution of super apps in the US

Tools for Humanity is joining a growing group of companies trying to build super-app ecosystems in Western countries. After buying Twitter in October 2022, Elon Musk posted that “buying Twitter” was the “accelerant to creating X, the everything app.”

A super app is a single platform that combines social interaction, payments, commerce and financial services, a model popularized in Asia by services like WeChat. Today, several US companies are expanding crypto, payments and financial tools as they inch toward becoming their own versions of everything apps.

In October, Musk said X has rebuilt its messaging infrastructure into a standalone product called “X Chat,” describing it as a peer-to-peer, encrypted messaging service designed to compete with Telegram and WhatsApp.

Musk, who co-founded OpenAI with Sam Altman in 2015 and has had an ongoing feud with the OpenAI CEO since Musk left the organization in 2018, said in December on the People by WTF podcast that he likes the idea of having a “unified app or website where you can do anything you want” and that he sees China’s WeChat as a model for X.

“There’s no real WeChat outside of China,” he added.

Cryptocurrency exchange Coinbase also signaled a push toward a super app by rebranding Coinbase Wallet as the “Base app,” combining trading, payments, social features, messaging and mini-apps.

In addition, the banking app owned by Walmart OnePay is expected to roll out cryptocurrency trading and custody later this year, beginning with support for Bitcoin (BTC) and Ether (ETH). The app already offers banking, credit, loans and wireless plans and has positioned itself as a US-style super-app.

Magazine: Quantum attacking Bitcoin would be a waste of time: Kevin O’Leary

İlgili Okumalar

iQiyi Is Too Impatient

The article "iQiyi Is Too Impatient" discusses the controversy surrounding the Chinese streaming platform IQiyi's recent announcement of an "AI Actor Library" during its 2026 World Conference. IQiyi claimed over 100 actors, including well-known names like Zhang Ruoyun and Yu Hewei, had joined the initiative. CEO Gong Yu suggested AI could enable actors to "star in 14 dramas a year instead of 4" and that "live-action filming might become a world cultural heritage." The announcement quickly sparked backlash. Multiple actors named in the list issued urgent statements denying they had signed any AI-related authorization agreements. This forced IQiyi to clarify that inclusion in the library only indicated a willingness to *consider* AI projects, with separate negotiations required for any specific role. The incident, which trended on social media with hashtags like "IQiyi is crazy," is presented as a sign of the company's growing desperation. Facing intense competition from short-video platforms like Douyin and Kuaishou, as well as Bilibili and Xiaohongshu, IQiyi's financial performance has weakened, with revenues declining for two consecutive years. The author argues that IQiyi is "too impatient" to tell a compelling AI story to reassure the market, especially as it pursues a listing on the Hong Kong stock exchange. The piece concludes by outlining three key "AI questions" IQiyi must answer: defining its role as a tool provider versus a content creator, balancing the "coldness" of AI with the human element audiences desire, and properly managing the interests of platforms, actors, and viewers. The core dilemma is that while AI can reduce costs and increase efficiency, it risks creating homogenized, formulaic content and devaluing human performers.

marsbit28 dk önce

Jensen Huang Publicly Challenges Google and Amazon, Is the Chip Business Entirely Sustained by Anthropic?

In a candid interview, Nvidia CEO Jensen Huang challenged competitors like Google and Amazon, admitted past strategic errors, and criticized U.S. export controls on AI chips. He framed Nvidia’s role as turning “electricity in, tokens out,” emphasizing the complexity and value of AI inference. Huang dismissed rival custom chips like Google’s TPU and Amazon’s Trainium as inflexible and niche, claiming their growth relies heavily on clients like Anthropic. He also acknowledged missing early investment opportunities in OpenAI and Anthropic. On China, Huang warned that export restrictions risk pushing the country toward self-sufficiency and could cost U.S. leadership in AI. Finally, he explained Nvidia’s acquisition of Groq as a move to serve premium, low-latency token markets. Throughout, Huang emphasized ecosystem trust and Nvidia’s central role in global AI infrastructure.

marsbit33 dk önce

Jensen Huang Publicly Challenges Google and Amazon, Is the Chip Business Entirely Sustained by Anthropic?

marsbit33 dk önce

ARK's SpaceX IPO Investment Guide: $1.75 Trillion Valuation, 95x Price-to-Sales Ratio, Where Is the Money Going?

ARK Invest, a major investor in SpaceX, provides an analysis following SpaceX's confidential IPO filing on April 1, 2026, targeting a $1.75 trillion valuation and up to $75 billion in funding for a Nasdaq listing around June 2026. This would be the largest IPO in history. The valuation implies a price-to-sales ratio of ~95x based on ~$18.5B in projected 2025 revenue. ARK argues this reflects future potential, not current reality. Key drivers include Starlink, with over 10M users and $20B+ in 2026 revenue, launch services which have reduced costs by ~95% since 2008, and the strategic merger with xAI in February 2026, enabling vertically integrated AI and orbital computing. ARK’s investment thesis is based on SpaceX's proven execution of ambitious goals, like reusable rockets and global satellite internet. The firm notes that significant value creation often occurs pre-IPO, and its Venture Fund offers exposure to SpaceX’s earlier private stages. Post-IPO, the fund will manage the position per standard lock-up and rebalancing processes, maintaining flexibility to reinvest in other private innovations. The analysis is based on public estimates and ARK research; the S-1 filing is not yet public. This is not investment advice.

marsbit35 dk önce

ARK's SpaceX IPO Investment Guide: $1.75 Trillion Valuation, 95x Price-to-Sales Ratio, Where Is the Money Going?

marsbit35 dk önce

Stablecoin Hype Overblown? Moody’s Says Banks Aren’t In Danger

The article discusses the legislative stalemate in the US over the Digital Asset Market Clarity Act of 2025 (CLARITY Act), which aims to regulate crypto assets. A key point of contention is whether stablecoins should be allowed to pay interest, with crypto companies opposing a ban and banks supporting it. Moody's analyst Abhi Srivastava states that, for now, stablecoins do not pose a significant threat to traditional banks due to existing efficient payment systems and the current prohibition on yield-bearing stablecoins. This limits their appeal for pulling deposits from banks at scale. However, with the stablecoin market cap exceeding $300 billion and growth in tokenized assets, banks could face future pressure from deposit outflows. The crypto industry warns that failure to pass the bill could lead to stricter regulatory crackdowns. Negotiations continue with little progress, despite both sides desiring a resolution.

bitcoinist1 saat önce

Stablecoin Hype Overblown? Moody’s Says Banks Aren’t In Danger

bitcoinist1 saat önce

Not a Price Hike, but a Supply Cut? Oil Prices Have Crossed the Tipping Point

The global oil market has passed a critical point, shifting the focus from price increases to potential physical supply shortages. The core issue is a time mismatch: even if the Strait of Hormuz reopens, shipping disruptions have already caused significant delays, which will continue to deplete onshore crude inventories for weeks. Refinery behavior acts as an amplifier. Reduced runs in Asia and Europe don’t reflect weaker demand but instead shrink product inventories, raising fuel prices and refining margins, which in turn encourages higher runs—creating a self-reinforcing cycle. If the Strait remains closed beyond April, traditional pricing models may fail. The market could face an unprecedented physical shortfall of 11-13 million barrels per day—roughly four times historical disruption levels. In such a scenario, price becomes an inadequate balancing tool. The only way to rebalance the market would be policy-driven demand destruction, similar to COVID-era lockdowns. Current prices around $95/barrel are insufficient to balance the market. Key signals to watch include inventory levels, policy announcements, and the pace of involuntary demand contraction. Geopolitically, the situation appears likely to worsen before improving, with little room for compromise between the US and Iran.

marsbit2 saat önce

Not a Price Hike, but a Supply Cut? Oil Prices Have Crossed the Tipping Point

marsbit2 saat önce

İşlemler

Spot

Futures

Popüler Makaleler

SUPER Nasıl Satın Alınır

HTX.com’a hoş geldiniz! SuperFarm (SUPER) satın alma işlemlerini basit ve kullanışlı bir hâle getirdik. Adım adım açıkladığımız rehberimizi takip ederek kripto yolculuğunuza başlayın. 1. Adım: HTX Hesabınızı OluşturunHTX'te ücretsiz bir hesap açmak için e-posta adresinizi veya telefon numaranızı kullanın. Sorunsuzca kaydolun ve tüm özelliklerin kilidini açın. Hesabımı Aç2. Adım: Kripto Satın Al Bölümüne Gidin ve Ödeme Yönteminizi SeçinKredi/Banka Kartı: Visa veya Mastercard'ınızı kullanarak anında SuperFarm (SUPER) satın alın.Bakiye: Sorunsuz bir şekilde işlem yapmak için HTX hesap bakiyenizdeki fonları kullanın.Üçüncü Taraflar: Kullanımı kolaylaştırmak için Google Pay ve Apple Pay gibi popüler ödeme yöntemlerini ekledik.P2P: HTX'teki diğer kullanıcılarla doğrudan işlem yapın.Borsa Dışı (OTC): Yatırımcılar için kişiye özel hizmetler ve rekabetçi döviz kurları sunuyoruz.3. Adım: SuperFarm (SUPER) Varlıklarınızı SaklayınSuperFarm (SUPER) satın aldıktan sonra HTX hesabınızda saklayın. Alternatif olarak, blok zinciri transferi yoluyla başka bir yere gönderebilir veya diğer kripto para birimlerini takas etmek için kullanabilirsiniz.4. Adım: SuperFarm (SUPER) Varlıklarınızla İşlem YapınHTX'in spot piyasasında SuperFarm (SUPER) ile kolayca işlemler yapın.Hesabınıza erişin, işlem çiftinizi seçin, işlemlerinizi gerçekleştirin ve gerçek zamanlı olarak izleyin. Hem yeni başlayanlar hem de deneyimli yatırımcılar için kullanıcı dostu bir deneyim sunuyoruz.

177 Toplam GörüntülenmeYayınlanma 2024.12.11Güncellenme 2025.03.21

Tartışmalar

HTX Topluluğuna hoş geldiniz. Burada, en son platform gelişmeleri hakkında bilgi sahibi olabilir ve profesyonel piyasa görüşlerine erişebilirsiniz. Kullanıcıların SUPER (SUPER) fiyatı hakkındaki görüşleri aşağıda sunulmaktadır.