PPriors Bureau

Open Credit · live on Robinhood Chain

every figure read on chain at block 86,066,091

A lender that never met agent #7616 just lent it $2.50, on Priors’ word alone.

No collateral. No sponsor. No relationship. One call to PriorsCreditOracle.getCredit(7616), and it was paid back with interest.

1Priors record

1 Priors loan

$5.00 borrowed · never defaulted

CreditLensV2 · score 17 / 1000

2Oracle answered

Bronze

cap $5.00 · 24% a year

Underwritten event · loan #1

3Vault lent

$2.50

unsecured · 1d · to 0x2219...2bCB

Borrowed 0x8fce80…

4Agent repaid

$2.501643

incl. $0.001643 interest · 8d ago

Repaid 0x1d04b8…

5LPs earned

+$0.001643

share price now $1.000657

OpenCreditVault · convertToAssets

the record behind the word · Priors on chain

31,678

loans written on Priors

$0.00

bad debt, ever

8,776

agent identities it can price

// any contract on Robinhood Chain
getCredit(agentId) → tier, cap, rate   0x1793...661c

the ladder · published in the oraclerepay → climb → up to $500.00 at 6%

#7616

Bronze

$25.00
24%

Silver

$50.00
18%

Gold

$100.00
12%

Platinum

$250.00
9%

Diamond

$500.00
6%

Open Credit · PriorsCreditOracle · OpenCreditVault

Priors as the credit oracle other lenders read

A credit score is infrastructure when someone who did not build it lends on it. PriorsCreditOracle turns an agent’s live Priors record into a tier, a bounded unsecured cap and a rate, readable by any contract in one call. OpenCreditVault is a second lender, deliberately unrelated to the Priors pool: no sponsor, no collateral, no relationship. It asks the oracle and lends on the answer. The Agent Credit Desk prices three products off the Bureau; this page is the lending half of the same claim.

follow an agent

agent #7616: the borrower of the vault's newest settled loan

Bureau report →/api/open-credit/agent/7616
deployed on chain 4663deployed at block 79,251,494 by 0xB731...d316 · read at block 86,070,771
/api/open-credit

PriorsCreditOracle

oracle

0x17934ec1...0242661c

block 79,251,481 · deploy tx

OpenCreditVault

lending

0xE14fb6b2...8E32411B

block 79,251,494 · deploy tx

bureau signer 0xa8dA07...f10029 (overlay facts only; it never sets tier, cap or rate) · oracle owner 0xB731...d316 · vault owner 0xB731...d316 (pause only; no admin path to funds)

the claim, filled from chain 4663

“Another lender that never met Agent #7616 just lent it $2.50, on Priors’ word alone.”

The lender is OpenCreditVault 0xE14fb6...32411B, which has no sponsor, no collateral and no relationship with the agent. It asked PriorsCreditOracle and the oracle answered Bronze (score 1, cap $5.00, 24% a year) - Underwritten.

It lent $2.50 for 1 day to the agent’s owner 0x2219...2bCB 8d ago - Borrowed. It was paid back $2.50 + $0.001643 interest 8d ago - Repaid.

repaidloan #1 · block 79,253,750

1 · how the vault decided

Agent #7616, step by step

every step an event the vault emitted or a read at the stated block
agent #7616 on the vault · block 86,066,091outstanding $0open loans 0uncured defaults 0cures 0loans here 1
  1. 1The vault asked the oracleUnderwritten
    loan #1: oracle 0x1793...661c answered tier Bronze · score 1 · cap $5.00 · rate 24% a year
    0x8fce8008...69fcd7 · block 79,253,636 · 8d ago
  2. 2What the oracle says nowgetCredit · block 86,066,091
    tier Bronze (code 1) · score 17 · enrolled true · defaulted false
    unsecuredCap $5.00 = min(tierCap $25.00, max(line $5.00, totalBorrowed $5.00)) · rate 24% a year
    1 loans taken · 0.1 $d · Bureau overlay as of block 79,251,624: demonstrated capacity $5.00 · signer 0xa8dA...0029
  3. 3The vault lentBorrowed
    loan #1: $2.50 for 1 d · quoted interest for the full term $0.001643
    triggered by 0xB731...d316 (a controller of #7616) · USDG sent to the identity owner 0x2219...2bCB · due 7d ago
    0x8fce8008...69fcd7 · block 79,253,636 · 8d ago
  4. 4The agent repaidRepaid
    loan #1: $2.50 principal + $0.001643 interest, paid by 0xB731...d316
    0x1d04b862...0267f6 · block 79,253,750 · 8d ago
  5. 5What the lenders gotLP effect
    into the vault above principal: $0.001643 ($0.001643 interest) - from the settlement event

    before borrow

    not served

    block 79,253,635

    at borrow

    not served

    block 79,253,636

    before settle

    not served

    block 79,253,749

    at settle

    not served

    block 79,253,750

    now

    $1.000657

    block 86,066,091

    USDG 6dp per 1.000000000 oCREDIT · convertToAssets(1e9) by eth_call at the stated block, pinned in the cache once read. The public chain-4663 node serves historical state only for its most recent few thousand blocks (minutes at ~0.1 s blocks); a null means that block left the window before this app first read it, not that the price was zero. The settlement figures come from the event and never expire.

2 · the oracle feed

What PriorsCreditOracle answers right now

tier, cap and rate are computed on chain from CreditLensV2; the Bureau overlay never changes them

reading getCredit for the top agents and pulling a Bureau report for each (a few seconds on a cold cache)…

What getCredit(agentId) enforces: the tier is tierOf(score, loansTaken, dollarDays, enrolled, defaulted) over the live lens record, cumulative thresholds published as constants; the cap a lender may extend is capFor(tier, line, totalBorrowed) = min(tier ceiling, max(live Priors line, lifetime Priors principal)), so a one-loan identity is bounded by what it has actually borrowed. The Bureau overlay (post(fact, sig), EIP-712, strictly newer asOfBlock only, checked against the chain’s own block height chainBlockNumber() from ArbSys, not the parent-chain block.number) adds demonstrated capacity, repaid loans and punctuality to the answer and is shown with its block; it is never an input to tier, cap or rate. The Bureau tier column is the Bureau’s own off-chain policy, shown for comparison - the two ladders are separate policies and need not agree.

3 · the second lender

OpenCreditVault: its book, its loans, its ledger

ERC-4626 over USDG · oCREDIT shares
live on chainOpenCreditVault0xE14fb6...32411Bblock 86,070,771lending

NAV

$2.50

totalAssets() = idle + live principal + accrued

idle liquidity

$2.50

lendable or withdrawable · idleLiquidity()

live principal

$0

0 active loans in NAV · liveBook()

accrued interest

$0

linear, inside NAV · liveBook()

past grace

$0

carried at zero · liveBook()

principal outstanding

$0

Active loans, overdue included

interest earned

$0.001643

collected · interestEarned()

late fees earned

$0

collected on cures · lateFeesEarned()

bad debt

$0

gross · $0 recovered · net $0

exit price

$1.000657

USDG per 1 oCREDIT redeemed · convertToAssets(1e9)

entry price

$1.000658

USDG per 1 oCREDIT minted · previewMint(1e9) on entryAssets() $2.50

shares outstanding

2.5 oCREDIT

totalSupply() · 9 decimals

loans

1

ever issued · loanCount()

LP return since the first deposit, from the share price - not an APY

0.0657%

annualised over 8.08 days: 2.97%

collected net of write-offs: $0.001643

convertToAssets(1e9) / 1 USDG - 1 at pulledAtBlock: the change in one oCREDIT's exit value since the first deposit minted it at 1 USDG, net of write-offs and of loans carried at zero, including interest accrued on live loans. Annualised linearly over the time since the first Deposit event, and only once that is at least MIN_ANNUALISE_SECONDS (display policy). Backward-looking; not an APY, not a forward yield. Collected net of write-offs = interestEarned + lateFeesEarned - (badDebt - recovered). First deposit: $2.50 by 0xB731...d316 at block 79,253,572 (tx).

loans · newest 1 of 1 · block 86,072,008

loanagenttier at underwritingprincipalratestarteddueinterest paidrecipientstatus
#1#7616Bronze$2.5024%8d ago7d ago$0.0016430x2219...2bCBrepaid

6 events · blocks 79,251,481 to 86,072,008 · eth_getLogs over the oracle and the vault, newest first

whencontracteventagentloancounterpartyamounttx
8d agovaultRepaid#7616#10xB731...d316$2.50principal0x1d04b862...0267f6
8d agovaultBorrowed#7616#10x2219...2bCB$2.50principal0x8fce8008...69fcd7
8d agovaultUnderwritten#7616#1-$5.00cap answered0x8fce8008...69fcd7
8d agovaultDeposit--0xB731...d316$2.50assets0x65d84574...b58d00
8d agooracleFactPosted#7616-0xa8dA...0029$5.00overlay capacity0xc66d3410...0ef4c8
8d agooracleBureauSignerChanged--0xa8dA...0029-0x550ce0f3...a56622

vault policy · public constants of 0xE14f...411B · block 86,048,536

GRACE3 dafter dueAt; past it a loan is defaultable and carried at zero in NAV
LATE_FEE_BPS100 bps (1% of principal)charged on top of interest to cure a written-off loan
MIN_PRINCIPAL$1.00smallest loan borrow() accepts
MIN_TERM_DAYS · MAX_TERM_DAYS1 · 30 dterm range of borrow()
MIN_INTEREST_PERIOD1 dinterest is charged for at least this long at repayment
MAX_OPEN_LOANS_PER_AGENT4open loans one agent may hold here
MAX_ACTIVE_LOANS128active loans across the vault (bounds the NAV walk)
SHARE_DECIMALS_OFFSET3 (oCREDIT has 9 decimals)virtual-share offset against donation griefing
YEAR · BPS31,536,000 s · 10000annualisation base of rateBps

interest = principal x rateBps x max(elapsed, MIN_INTEREST_PERIOD) / (YEAR x BPS)

totalAssets = idle USDG + principal and linearly accrued interest of Active loans not yet past dueAt + GRACE; loans past that are carried at zero whether or not markDefault was called

entry price (contract rule, policy): deposit / mint are priced at entryAssets = totalAssets + overdue principal + (badDebt - recovered), the owed principal at face; withdraw / redeem at totalAssets. Equal while nothing is overdue or uncured; a deposit placed just before a recovery buys that principal at face, so the recovery goes to the LPs who carried the loss

public constants and immutables of PriorsCreditOracle and OpenCreditVault, read by eth_call; policy, not market data

What borrow(agentId, amount, termDays) enforces: the caller controls the agent (its ERC-8004 owner or its Priors pool delegate) and the USDG always goes to identity.ownerOf(agentId); the oracle’s tier is above Unbanked, the agent carries no Priors default flag and no uncured default here; the amount is at least the minimum principal, keeps the agent’s outstanding within its bounded cap, fits the open-loan and active-loan limits and the idle liquidity; the term is in range. The rate is the oracle’s, frozen at underwriting. repay(loanId) charges simple interest for the time held (at least the minimum interest period); after dueAt + GRACE anyone may markDefault, and a written-off loan can still be cured through repay with a late fee. Every limit is a public constant, listed above as policy once the vault is deployed.

4 · integrate

One call from any contract

import {IPriorsCreditOracle} from "./IPriorsCreditOracle.sol";

IPriorsCreditOracle.CreditFact memory f =
    IPriorsCreditOracle(0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c).getCredit(agentId);

// f.tier (0 Unbanked .. 5 Diamond), f.unsecuredCap (USDG 6dp),
// f.rateBps (annual), f.defaulted, f.score - all live from CreditLensV2
require(f.tier > 0 && !f.defaulted, "no unsecured credit");
require(amount <= f.unsecuredCap, "over the oracle's cap");

The interface ships with the contracts (contracts/src/open-credit/IPriorsCreditOracle.sol). getTier(agentId) is the one-word version; tierTerms / tierRule / capFor expose the policy.

no key, no SDK

Or read it over HTTP / JSON-RPC

# vault overview, published policy, oracle feed
curl -s https://priors-app-xi.vercel.app/api/open-credit

# one agent: oracle fact, vault ledger, every loan, the step list
curl -s https://priors-app-xi.vercel.app/api/open-credit/agent/7616

# straight from the chain (Foundry cast)
cast call 0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c "getTier(uint256)(uint8)" 7616 \
  --rpc-url https://rpc.mainnet.chain.robinhood.com

Every response carries the block it was read at; bigints are strings. While the contracts are not deployed the API answers { deployed: false } with status 200 - the honest state, not an error.

5 · be the next lender or borrower

Wallet console

simulate first, then sign in your own wallet

Wallet console

No EIP-1193 wallet is injected in this browser, so nothing can be signed here. Install a wallet and point it at chain 4663. The vault is 0xE14fb6b2C1c7887c56FE09a5509cB3218E32411B and the oracle 0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c; their functions are the same from any signer.

the same limit, spent · Priors Card

Every identity the oracle gives a limit carries a card: PriorsPay.swipe pays an x402 merchant in the same transaction and the agent settles later. The card and this vault share one unsecuredCap.

Priors Card →