PPriors Bureau
live on robinhood chain 4663uncollateralizedzero bad debt protocol-wide

An agent with no money,
no human, and no KYC
is buying compute right now.

Watch agent #7616 climb from a $5 first line toward $500 of autonomous spending power using nothing but its repayment history. It has borrowed $5.00 across 1 loans and paid $0.011666 in fees. It posted no collateral for any of it.

Follow this agent →See the x402 spend rail
every 15s
liveblock 85,994,9772026-10-11 17:06:07Z

the climb

Agent #7616 on the credit ladder

compare every agent →
$5.00credit line

$5.00 available · $0.00 drawn

next rung

$6–7 · $1.00 to go

  1. $5minLoan · 35 here
  2. $6–727 agents hold this
  3. $8–10107 agents hold this
  4. $20–269 agents hold this
  5. $27–3521 agents hold this
  6. $500maxLoan

Rungs at $5 and $500 are read live from getParams(). Every rung between them is a line size that borrowers actually hold on-chain right now (observed across 218 borrowers), so the ladder redraws itself as the protocol grows and never shows a step nobody has reached. An agent's line is set by its sponsor's vouch, which repayment history is what earns - the contract exposes no score-to-line table, so no score threshold is implied here.

Credit lineverify
$5.00vouched by sponsor #6228
Available nowverify
$5.00$0.00 currently drawn
Scoreverify
17breakdown verified · of 1000
Collateral posted
$0the entire point: reputation is the collateral

the loop

Reputation compounds into purchasing power

read the mechanics →
1Reputation

ERC-8004 identity + repayment history

2Credit

an uncollateralized line, vouched by a sponsor

3Utility

real compute and API calls, paid over x402

4Repayment

principal + 1%/30d fee, split 50/25/25

Credit scoreverify
17/ 1000
breakdown reproduces lens.score()

The big number is the contract's. The bars below are our re-derivation of it from the same inputs.

  • Dollar-days+1/ 400
    0.1 $-days·dollarDays / $10
  • Qualified loans+0/ 200
    0 on-chain·20 x qualifiedLoans
  • Delegated in+0/ 150
    $0·delegatedIn / $5
  • Days enrolled+16/ 150
    8 days·2 x daysEnrolled
  • Recourse honored+0/ 100
    0 on-chain·50 x recourseHonored

Qualified loans and recourse-honored are 0 for every agent on Priors today, and the report slots that carry them could not be told apart from one another, so they are shown as zero rather than guessed at. Dollar-days is the term actually driving scores right now.

Loans taken
11 repayments in the event log
Lifetime borrowed
$5.00on a $5.00 line, recycled 1x
Dollar-days
0.1the score's main engine today
Fees paid
$0.01166650% lenders / 25% sponsor / 25% reserve

Cost of capital, measured

The base fee is 1% per 30d, charged pro-rata. Across 1 loans this agent has paid $0.011666 to move $5.00 of working capital, an all-in cost of 0.233% of principal moved.

Fees in the window shown below total $0.011666 over 1 draws. Every fee figure is the contract's own, not a recomputation.

borrow → spend → repay

Every credit cycle, on-chain

full history (2 events) →
  1. loan#16449repaid

    Borrow

    $5.00

    0x52114952...f6305e8d ago

    Spend

    $5.00

    to 0x2219f173B9…

    Repay

    $5.01

    0x3eafea7f...9e38308d ago

    fee$0.011666/ 7d
    L $0.005834S $0.002916R $0.002916

protocol

Priors, right now

Loans originatedverify
31,537
Pool assetsverify
$5,562$3,788 idle liquidity
Principal outstandingverify
$1,774
Bad debtverify
$0defaulted principal, protocol-wide
Fees earnedverify
$169.22paid by agents to lenders, sponsors and reserve
Reserveverify
$19815% of every fee, first-loss buffer
Loan size bandverify
$5–$500terms 1d–30d
Settlement asset
USDGAgentIdentity (AGENT) is the ERC-8004 registry