World has launched World Money, a new self-custody financial “super app” designed to bring stablecoin payments and digital-asset features into one place. The rollout began Thursday across more than 150 countries, though specific capabilities are expected to vary by region, according to World.

The new app supports sending supported digital assets—including stablecoins—to recipients using a World username. It also allows users to deposit eligible assets to earn rewards and to buy and sell digital assets through exchange integrations. World further says the experience is built around its identity layer while giving users direct control of their funds.

Key takeaways

• World Money rolls out in over 150 countries, with feature availability dependent on location.
• Users can send supported assets (including stablecoins) via World usernames, not just blockchain addresses.
• The app adds third-party “Mini Apps” such as Kalshi, Credit and Morpho.
• A partnership with Stripe enables top-ups and stablecoin purchases with Apple Pay for users in the US.
• World splits its identity and financial functions across two apps: World ID App and World Money.

What World Money includes at launch

World positions World Money as a self-custody super app that combines multiple financial functions: transfers, trading access, and rewards on certain deposits. The company says users can send supported digital assets to a recipient’s World username, with stablecoins among the assets initially covered.

In addition to peer-to-peer transfers, World Money includes a rewards component. Users can deposit eligible assets to earn rewards, a feature that continues the direction World App previously took with earning opportunities tied to blockchain assets.

For trading, World Money provides buy-and-sell functionality through exchange integrations, giving users a way to switch between supported digital assets without leaving the app environment.

“Mini Apps” and payments onboarding through Stripe

One of the most visible expansions is World Money’s support for third-party mini applications. World says users can access Mini Apps including Kalshi, Credit and Morpho. This approach mirrors the super-app idea of bundling specialized services into a single interface, while relying on external platforms for specific product functions.

World also highlighted a payments onboarding partnership. According to the company, integration with Stripe allows users to fund their accounts and buy stablecoins with Apple Pay, starting with users in the United States. That matters for adoption because fiat-to-stablecoin entry points remain one of the biggest friction points for users who do not already hold crypto.

World did not describe whether Apple Pay support will expand beyond the US as part of this initial rollout, so users outside the US should expect different funding options depending on local availability.

How World is reorganizing its product stack

The launch is also a structural change. World says that with World Money, its identity and financial services are now separated into two dedicated apps: World ID App for identity verification and credentials, and World Money for the wallet, payments and other financial features.

Existing users of World App and World ID App can reportedly use their existing accounts for World Money, which should reduce the migration burden for current customers and limit the risk of fragmenting user identities and balances across platforms.

World Money is operated by Tools for Humanity, the company co-founded by Sam Altman and Alex Blania that builds technology for the World network. Tools for Humanity’s involvement aligns with World’s broader push to connect identity to financial actions rather than treating payments as a standalone feature.

From World App to a two-app super app model

World’s move comes after more than a year of incremental expansion of World App. World App originally launched in May 2023, bringing together World ID with a crypto wallet, stablecoin transfers and token trading.

In October 2024, World introduced World App 3.0, describing it as a “super app for humans” and adding third-party Mini Apps plus a Vault feature for earning on assets. That indicates World has been testing the combination of identity, custody tooling and app-level distribution of third-party services before splitting the experience into two apps.

Later, World also experimented with traditional banking rails. In November 2025, it piloted virtual bank accounts in the US, and then expanded the idea a month later. World says those accounts can support paychecks and bank deposits that are converted into USDC, illustrating an intent to reduce the steps between payroll and stablecoin holdings.

With World Money now separated from the identity layer, the ecosystem looks to be evolving from a single “do everything” client into a clearer division: credentials and verification in one app, and financial activity in another.

Why the split and rollout matter for users

For everyday users, the most practical change is likely the user experience: sending assets through a World username, accessing third-party services through Mini Apps, and using mainstream payment rails like Apple Pay via Stripe. Those elements can make crypto interaction feel less like dealing with addresses and more like using familiar app flows—especially when the stablecoin payment layer is integrated directly into the wallet experience.

For investors and builders, the strategic question is whether World can maintain trust and usability while expanding self-custody financial features across geographies. The company’s decision to run identity and financial services through separate apps may help scale compliance, product development and onboarding workflows without forcing users to navigate unrelated functionality in a single interface.

As World Money becomes available in more countries, the next watch item is how quickly Stripe-based onboarding expands beyond the US and how feature availability differs by region. Users should also pay attention to which assets are considered eligible for rewards and how the lineup of Mini Apps evolves after launch.

Thelma Golden has arguably done more than anyone else to promote Black artists in the U.S. For over two decades, the director and chief curator of the Studio Museum in Harlem, founded in 1968, has forged the institution into a leading incubator and showcase for artists of African descent. And in November 2025, she made a permanent mark on New York City’s cultural landscape when the Studio Museum opened its $160 million new building on 125th Street. The 82,000-sq.-ft. facility, which looks like a charcoal-colored Jenga tower, doubled space for exhibitions and created classrooms, artist studios, and meeting spaces for community organizations. Golden started her career in the 1980s as a curator at the Whitney Museum of American Art, where she organized powerful exhibitions about Black masculinity and conceptual art that divided critics, but made her name as a fearless curator. Now, she’s focused on ensuring a long-term future for the institution she’s shaped. Alongside raising money for the new building and attracting patrons including Beyoncé, Golden created a $52 million endowment, ensuring the Studio Museum’s 9,000-work collection will be cared for well into the future. 

WisdomTree and MoonPay have announced a Sept. 17 collaboration to build another U.S. access route to the WTGXX tokenized Treasury money market fund while MoonPay plans to use the fund in its stablecoin reserve management.

WisdomTree said the planned connection will use MoonPay’s blockchain technology and distribution network, which the companies said reaches more than 35 million accounts and over 1,700 partners. MoonPay has not identified a stablecoin that will hold WTGXX reserves, disclosed an allocation amount or given a date when the investor access point will become available.

MoonPay access to WTGXX remains under development

The arrangement is designed to give eligible U.S. investors another route into WTGXX outside WisdomTree’s existing direct channels. Transactions in the regulated fund will still involve WisdomTree Securities, Inc., the broker-dealer that distributes WTGXX.

MoonPay will supply technology and access to its customer network, but WisdomTree states that MoonPay is not acting as a broker-dealer or investment adviser for WTGXX. The distinction keeps the securities activity tied to WisdomTree’s regulated distribution structure.

No launch date appears in the announcement. WisdomTree describes the MoonPay access point as something it “is building,” while the technology is “expected to support” access once the planned integration is ready. Those statements describe future work and do not confirm that retail investors can buy WTGXX through MoonPay today.

Jonathan Steinberg, WisdomTree’s founder and CEO, said the companies want to create another path for eligible U.S. investors to move assets into the fund.

“Working with MoonPay as an access point can give eligible U.S. investors another path to deploy their assets into WTGXX,” Steinberg said. The wording describes the intended product structure, not a completed rollout.

MoonPay says its U.S. regulatory footprint includes a New York BitLicense, a New York Limited Purpose Trust Charter and money transmitter licenses. Its corporate description lists operations across fiat payments, crypto trading, commerce and stablecoin infrastructure.

WTGXX was reworked for stablecoin reserve eligibility

WTGXX is an open-end money market mutual fund registered under the Investment Company Act of 1940. Its investment objective is to generate current income while preserving capital and liquidity and maintaining a stable $1.00 net asset value per share.

The latest SEC-filed prospectus requires the fund to keep at least 99.5% of total assets in government securities, cash and fully collateralized repurchase agreements. Under normal conditions, WTGXX invests exclusively in U.S. dollar cash, short-term Treasury securities, overnight Treasury-backed repos and registered government money market funds.

WisdomTree changed the product’s name and investment policy in November 2025 specifically to address stablecoin reserve use. An SEC-filed notice said the changes were intended to make the fund an eligible investment option for payment stablecoin issuers seeking to comply with the GENIUS Act and related rules.

The current prospectus carries the same language. It says WTGXX invests in a manner intended to satisfy the types of eligible reserve assets permitted for payment stablecoin issuers under the GENIUS Act. That does not mean every stablecoin issuer can automatically use the fund without considering its own regulatory requirements.

At June 30, WTGXX held 80.9% of net assets in U.S. government obligations and 19.3% in repurchase agreements. Treasury bills accounted for 64.1%, while a floating-rate Treasury note represented 16.8%. Its holdings included overnight repos with institutions such as Deutsche Bank.

The fund charges a 0.25% annual expense ratio. Its fiscal-year return through June 30 was 3.75%, compared with 3.90% for the ICE U.S. 1-Month Treasury Bill Index. Past returns do not establish what future WTGXX investors will earn.

WisdomTree already offers WTGXX around-the-clock liquidity

Before the MoonPay agreement, WisdomTree had expanded how investors could move in and out of WTGXX.

In February, the company launched 24/7 secondary trading and instant settlement for WTGXX after receiving SEC exemptive relief. WisdomTree Securities acts as principal in that structure, with eligible transactions settling against USDC outside conventional securities-market hours.

By June, WisdomTree had reduced secondary-market redemption commissions for its Instant Liquidity service to zero basis points. The service operates through WisdomTree Connect and allows qualifying investors to access WTGXX liquidity around the clock.

WTGXX has entered other treasury and blockchain workflows during 2026. WisdomTree reported that Plume and Toku used the fund in a payroll pilot, LotusUSD referenced it within a reserve framework, and Stable Sea made it available for corporate treasury use.

As earlier corporate cash coverage reported, Stable Sea expanded its WisdomTree offering in August to include two more digital funds alongside WTGXX. Eligible businesses place orders through WisdomTree Securities while using Stable Sea’s interface.

The SEC has independently classified WTGXX among the money market funds it identifies as tokenized. The regulator’s April statistics included WTGXX alongside products from Franklin Templeton, Fidelity, Dreyfus and M3Sixty whose ownership records are maintained at least partly through crypto networks.

WTGXX still carries ordinary money market and technology risks. WisdomTree warns that investors can lose money, the $1 share value is not guaranteed, and the fund is neither a bank account nor FDIC-insured. The prospectus separately notes risks connected with blockchain technology, including theft, inaccessibility and regulatory changes.

MoonPay has already connected another tokenized fund

The WisdomTree agreement is not MoonPay’s first connection to a regulated tokenized money market product.

In June, Franklin Templeton connected its BENJI fund with MoonPay Trade for institutional users. As prior MoonPay fund coverage reported, that arrangement allows eligible institutions to exchange stablecoins such as USDC and USDT for tokenized fund shares through MoonPay’s onchain trading infrastructure.

MoonPay Trade was introduced in May as an institutional platform covering tokenized assets, stablecoin liquidity and decentralized finance connections. Earlier institutional platform coverage reported that the service supports functions including tokenized fund subscriptions, collateral transfers and onchain lending.

The WisdomTree collaboration differs in its stated distribution plan because the companies are targeting eligible individual investors in the U.S. through WisdomTree’s broker-dealer structure. MoonPay’s role in WTGXX stablecoin reserve management creates a second part of the relationship beyond investor access.

WisdomTree has described the deal as a possible base for future work covering other tokenized funds and international markets. Caroline D. Pham, CEO of MoonPay Institutional, said the relationship shows how blockchain infrastructure can be used with regulated U.S. investment products.

The companies have not named any additional fund, country or launch schedule for that potential work. Their Sept. 17 announcement similarly does not specify which MoonPay-issued or supported stablecoin would use WTGXX, how much of its reserves could be allocated to the fund, or when those reserve purchases would begin.

XRP Ledger developers have released xrpld version 3.4.0 on Sept. 16, adding two amendment packages that revise proposed native lending functions and harden several transaction paths while asking server operators to upgrade.

XRPL’s official release says version 3.4.0 introduces LendingProtocolV1_1 and fixCleanup3_4_0, while retiring fixAMMOverflowOffer after its post-amendment behavior became a permanent part of the protocol.

The software release does not mean either new amendment is active on mainnet. XRPL’s amendment process requires a proposal to receive more than 80% support from trusted validators continuously for two weeks before its rules become active.

Lending V1.1 adds closed-ended vaults and cash accounting

XRPL’s 3.4.0 release says LendingProtocolV1_1 changes the design of Single Asset Vaults and the Lending Protocol by introducing closed-ended vaults with defined subscription, investment and redemption periods.

Ripple’s technical documentation says depositors can add or withdraw assets during the subscription phase. During the investment period, deposits and withdrawals stop while assets can fund loans. Redemption begins once the investment period ends, allowing depositors to recover their share after loans mature.

Once LendingProtocolV1_1 becomes active, XRPL’s documentation says new loan brokers can only be attached to closed-ended vaults. Existing loan relationships created under earlier rules receive separate handling so outstanding positions can continue to be managed.

The accounting model changes at the same time. Ripple’s documentation says new vaults would recognize interest only when borrowers actually make payments.

Under the earlier model, all scheduled interest was recognized when a loan originated. Cash-basis accounting leaves unpaid future interest outside vault income until payment arrives, affecting AssetsTotal, loan debt calculations and the accounting treatment of defaults.

The V1.1 rules would not retroactively convert older vaults. Ripple’s documentation says vaults created under the previous accounting method retain that model after V1.1 activation.

As earlier amendment coverage reported, Ripple’s validator had already voted for the underlying SingleAssetVault and LendingProtocol proposals in August, but validator approval remained well below the level required for mainnet activation.

XRPL 3.4.0 packages a large set of transaction fixes

The second amendment, fixCleanup3_4_0, contains fixes covering lending, vaults, Automated Market Makers, Multi-Purpose Tokens, NFTs, escrow, permissioned trading and account authorization.

The official release says one change prevents AMMClawback from burning a holder’s liquidity-provider tokens while recovering zero underlying assets when MPT rounding reduces the calculated recovery amount to zero.

Another fix strengthens MPT invariants. XRPL developers said the ValidMPTBalanceChanges and ValidMPTTransfer checks, which previously generated logs, are enforced under the amendment and continue to apply when transactions fail.

For Single Asset Vaults, the release lists precision and rounding changes across deposits, withdrawals and clawbacks. The rules are designed to keep recorded assets, available assets and outstanding share supply aligned when conversions reach precision boundaries.

Permissioned trading receives several corrections. The package excludes deleted domain offers from one Permissioned DEX invariant, tightens domain checks and corrects how expired credentials are removed when OfferCreate or Payment transactions run.

Signing behavior receives a separate safeguard. The release says version 3.4.0 assigns different signing hash prefixes to counterparty and sponsor signatures so a signature created for one role cannot be replayed as the other.

The release contains lower-level node hardening outside the amendment package. Developers fixed an unbounded database seek through TMGetLedger, capped the size of incoming TMTransactions lists and introduced a fee for transactions that cannot be deserialized.

XRPL developers said version 3.4.0 incorporates phase-one fixes arising from MPT and DEX audit and attackathon findings. The release does not identify those fixes as evidence of an active exploit on mainnet.

In previous upgrade coverage, version 3.3.0 had already introduced code for several separate proposals, including corrected Batch functionality, sponsored fees and confidential MPT transfers, with validator approval still required before activation.

Validator approval still separates release from activation

XRPL’s official amendment rules state that installing software containing an amendment only gives a server the code needed to understand the proposed rules. Validators separately choose whether to vote for activation.

The current XRPLF feature code lists both LendingProtocolV1_1 and fixCleanup3_4_0 as supported while retaining DefaultNo voting behavior. A default-no setting means running the software does not itself cast an affirmative amendment vote when an operator has not configured another choice.

The underlying lending components remain short of activation. A Sept. 17 snapshot based on XRPL Foundation validator-history data showed 16 of 35 trusted validators supporting SingleAssetVault and 13 of 35 supporting LendingProtocol.

Those counts are time-sensitive and come from an independent network tracker, not a fixed figure published in the release notes. The official rule remains more than 80% support maintained for two continuous weeks.

The new V1.1 amendment depends on the underlying lending architecture. The current XLS-66 specification describes fixed-term, uncollateralized lending using funds pooled through Single Asset Vaults, while borrower underwriting and credit-risk assessment remain off-chain.

The same specification remains classified as Draft. No source reviewed for this update showed a mainnet loan executed through the proposed native protocol or an activation date for LendingProtocolV1_1.

Node operators now receive packages from XRPL Foundation

Version 3.4.0 changes the distribution path for Linux server packages. The official release says Debian and RPM packages are now hosted through packages.xrplf.org and signed with an XRPL Foundation key.

XRPL developers urged server operators to install 3.4.0 “as soon as possible” to maintain service continuity. The published DEB and RPM files include SHA-256 checksums so operators can verify downloaded packages before installation.

GitHub now lists 3.4.0 as the latest immutable xrpld release, tied to commit 4a4fded2eba11427c48ce3f24d9c1aea5e7a9d17. The repository says the release tag and version commit carry verified signatures.

The same release retires fixAMMOverflowOffer. Under XRPL’s amendment model, retirement does not reverse the fix. It removes obsolete pre-amendment behavior after the new rules have become established as permanent protocol behavior.

Client support and security review are still developing

Application libraries are moving alongside the server release. XRPLF’s JavaScript client history lists LendingProtocolV1_1 support under the unreleased section following xrpl.js 5.2.0, which shipped on Sept. 11.

The binary-codec history shows version 2.11.0 already contains the role-specific sponsor and counterparty signing prefixes used by fixCleanup3_4_0, along with protocol definitions generated from xrpld 3.4.0.

Security testing of the lending work has continued separately from validator voting. Sherlock said in an Aug. 27 review that Ripple had started an AI-only examination of Lending Protocol V1.1 through its Audit Engine.

Sherlock said it would publish more information after the review finished, but no final V1.1 findings were located in its public materials checked for this report. Earlier testing covered a previous version of the lending system; prior independent audit coverage reported that Halborn’s earlier re-audit found no critical or high-risk issues while identifying one medium, two low and two informational findings.