Tools for Humanity expands World app toward super-app model

cointelegraphОпубліковано о 2025-12-12Востаннє оновлено о 2025-12-12

Анотація

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

Трендові криптовалюти

CitreaCTR

wrapped stUSDTWSTUSDT

Velodrome FinanceVELODROME

BrevisBREV

PancakeSwapCAKE

JUSTJST

Пов'язані матеріали

Mathematicians Refute Open AI's Claim of Proving Connes Rigidity Conjecture Within 24 Hours: 'AI Proved Every Sentence Correct, but They Are No Longer About the Original Conjecture'

Mathematician Refutes OpenAI's Claim of Disproving Connes Rigidity Conjecture in 24 Hours OpenAI claimed its next-generation AI model solved 10 world-class problems, including disproving the Connes Rigidity Conjecture. The next day, mathematician J. L. Nielsen from the University of Kansas published a paper refuting the AI's counterexample. Nielsen meticulously reviewed OpenAI's publicly released 37,000 lines of Lean 4 code, mapping each object back to its mathematical origin. He identified two independent failure paths in the AI's argument. He concluded that one of the two groups constructed by the AI does not satisfy the required conditions (specifically ICC and Kazhdan's property (T)) necessary to serve as a valid counterexample to the original conjecture. This means the AI may have successfully proven something about its constructed objects, but that statement is not equivalent to disproving the Connes Rigidity Conjecture itself. The incident highlights a crucial limitation of formal verification tools like Lean. While Lean's kernel can verify the logical correctness of a proof's steps, it cannot verify whether the formal statement being proven correctly corresponds to the intended mathematical conjecture. Human oversight remains essential to ensure the alignment between the formalized problem and the original research question. This case exemplifies what researchers call "successfully proving the wrong statement." The Connes Rigidity Conjecture, concerning the uniqueness of group von Neumann algebras under certain conditions, remains an open problem.

marsbit6 хв тому

Mathematicians Refute Open AI's Claim of Proving Connes Rigidity Conjecture Within 24 Hours: 'AI Proved Every Sentence Correct, but They Are No Longer About the Original Conjecture'

marsbit6 хв тому

No Network, There is Cash: Volume of Paper Money in Russia Sets New Record

The volume of cash in circulation in Russia saw a record monthly increase of 643.4 billion rubles in July 2026, a 43.1% acceleration compared to June. This marked the highest monthly growth since the start of the year, following a contraction in January. From February to July, the cumulative increase totaled 2.547 trillion rubles. The Bank of Russia attributes the heightened demand for cash to two main factors: public and business adaptation to tax changes, and mobile internet outages, which prompted citizens and companies to stockpile cash for payments independent of digital infrastructure. This trend began in spring and has accelerated. As of July 1, 2026, the total cash in circulation reached 21,283.6 billion rubles. However, cash's share of the broad money supply remains near historical lows at about 14.7%, meaning most money is still non-cash. The growth is directly linked to internet restrictions. Similar spikes occurred in April and May 2026, with May seeing a 31-year record. The period from February to July 2026 now shows an exceptional aggregate increase exceeding 2.5 trillion rubles. Analysts note a parallel to February 2022, when sanctions shock led to a record one-day cash withdrawal of 1.4 trillion rubles, driven by similar concerns over digital system reliability.

cryptonews.ru12 хв тому

No Network, There is Cash: Volume of Paper Money in Russia Sets New Record

cryptonews.ru12 хв тому

When Crypto Assets Become Mortgage Collateral: The Triangular Dilemma of Regulation, Cost, and Tokenized Equity

When Crypto Assets Become Mortgage Collateral: The Trilemma of Regulation, Cost, and Tokenized Rights Better, in partnership with Coinbase, has launched a mortgage solution allowing borrowers to pledge Bitcoin or USDC as collateral. This facilitates two loans: a primary, Fannie Mae-compliant mortgage and a separate private loan for the down payment, secured by the crypto assets and a second lien on the property. The product targets asset-rich but cash-poor buyers, with high collateral requirements (250% for Bitcoin, 125% for USDC) and no margin calls. The initiative has drawn significant regulatory scrutiny. Seven U.S. Senators, led by Dick Durbin and Elizabeth Warren, sent a letter to the FHFA urging a halt, arguing the high collateral ratio itself acknowledges crypto's risk and that combined loan costs could be 1.5 percentage points higher, potentially burdening taxpayers. Despite criticism and Bitcoin's price volatility, Better's CEO Vishal Garg plans to expand support to tokenized equities (e.g., Tesla, SpaceX) and envisions using retirement accounts to help family members buy homes. A core challenge for tokenized assets is clarifying the legal rights conferred by holding such tokens. To reduce costs, Better partnered with Framework Ventures, aiming to lower capital expenses by over 100 basis points and offer sub-5% rates. While the company posted a loss in Q1 2025, it reports strong demand, with a waitlist representing ~$250M in potential loans. Garg remains committed to the model, viewing it as a key channel for integrating digital assets into the banking system.

marsbit16 хв тому

When Crypto Assets Become Mortgage Collateral: The Triangular Dilemma of Regulation, Cost, and Tokenized Equity

marsbit16 хв тому

OpenAI Publishes 62-Page Core Manuscript: AI Cracks Ten 'Fields Medal-Level' Problems in a Row

OpenAI releases a 62-page core manuscript detailing how its AI model independently solved ten major, longstanding mathematical problems considered "Fields Medal-level." The breakthroughs, achieved at an estimated computational cost of only $2,000, include advancing a 46-year-old upper bound for high-dimensional sphere packing and explicitly constructing a non-sofic group—a 27-year-old open question. The manuscript, titled "How the Ideas Came Together," was authored autonomously by the AI (reportedly the next-generation model Astra). It reconstructs the reasoning process for each problem: identifying initial promising paths, obstacles encountered, pivotal shifts in perspective, and the final decisive insights. For sphere packing, the AI moved beyond traditional linear programming limits by employing Mellin transforms and harmonic measure to refine the density exponent. For the non-sofic group, the key was resolving a "crucial mismatch" between having many expansion graphs and needing one, via a controlled median-based function. OpenAI researcher Mo Bavarian reflects on the rapid progress from AI struggling with grade-school math to solving profound mathematical conjectures, calling this moment "more surreal than any before" and akin to the eve of a technological singularity.

marsbit20 хв тому

OpenAI Publishes 62-Page Core Manuscript: AI Cracks Ten 'Fields Medal-Level' Problems in a Row

marsbit20 хв тому

Just Now, Claude Fable 5 Took First Place Again

Claude Fable 5 has achieved a staggering 64% success rate on the MirrorCode leaderboard, significantly outperforming competitors like GPT-5.6 Sol (approx. 21%). The benchmark tests models' ability to fully reverse-engineer and reimplement 15 medium-to-large software projects (e.g., Unix tools, compilers) in an isolated environment, requiring a perfect 100% pass rate on all tests. Notably, Fable 5's performance remained remarkably consistent at 61% when using the niche language Ada, compared to 64% with Go. Given that Python training data is roughly 230x more abundant than Ada, this minimal 3-point drop suggests the model has moved beyond simple code memorization and can reason about and construct complete software projects from fundamental principles. The MirrorCode benchmark is extremely rigorous, allowing up to 100 billion tokens and 7 days of continuous runtime per task to achieve 100% correctness, with one run costing $2600 over 19 days. The results indicate that state-of-the-art AI is transitioning from a tool for writing code snippets to an agent capable of autonomously completing entire, sizable software projects when given clear specifications and automated verification. This shift will make code increasingly inexpensive while elevating the value of those who can precisely define problems and validate outcomes.

marsbit21 хв тому

Just Now, Claude Fable 5 Took First Place Again

marsbit21 хв тому

Торгівля

Спот

Обговорення

Ласкаво просимо до спільноти HTX. Тут ви можете бути в курсі останніх подій розвитку платформи та отримати доступ до професійної ринкової інформації. Нижче представлені думки користувачів щодо ціни SUPER (SUPER).