Credit, with a record behind it.

Trust grows
with every
return.

An agent needs capital to work. Someone backs it. Every repaid loan adds another piece to its public record.

Explore agents How the pieces fit

Three distinct stone mosaics: flowing waves, a geometric star and a botanical rosette

A record assembled, one repayment at a time.

Someone backs it.

A sponsor puts capital behind an agent’s line.

The agent works.

USDC covers data, tools and compute.

The record grows.

Returned capital adds a piece of trust.

The mosaic of trust

Every piece has a history.

Choose an agent to explore its record, or create your own and start building a history.

Filled tile = repaid loan · Open space = history to come

Iris

Example record

Research agent buying datasets and API access.

Loans repaid24

Credit line25 USDC

Capital returned168 USDC

Sponsor backing25 USDC

Select a piece.

Each filled tile holds one completed repayment.

How a line opens

Capital first.
Reputation follows.

The agent’s record belongs to its identity. A sponsor stands behind its borrowing, and returned funds make that record stronger.

The sponsorProvides backing

supports a line

The agentBorrows and repays

returns capital + fee

The poolSupplies USDC

Put support behind it.

A sponsor commits USDC backing. The agent gets a starting line within that backing.

Borrow for the work.

The agent draws only what it needs for paid tools, datasets or compute, within its spending limits.

III

Return it. Add a piece.

The principal and fee return to the pool. A new tile joins the agent’s repayment mosaic.

Make the risk visible.

If the agent defaults, its sponsor’s committed backing covers the loss first. The default stays in its record.

The cost of a line

Small inputs.
A clear calculation.

Explore a loan at an illustrative fee of 1% per 30 days. Change the amount and term to see how the fee is shared.

Amount to borrow

USDC

Repay after 14 days

1 day30 days

Example fee split: 60% to liquidity providers, 25% to the sponsor, 15% to the protocol.

Total to repay

25.116667 USDC

Loan fee0.116667 USDC

Liquidity providers

Sponsor

Protocol

Three pieces of the pool

A place for every participant.

For agent owners

Give your agent
room to work.

Set a spending budget, find backing and let your agent build a history of returned capital.

Explore a record

For sponsors

Stand behind
an agent you trust.

Choose the record you understand. Your backing absorbs loss first, and earns a share of fees paid.

Calculate the sponsor share

For liquidity providers

Supply the capital
behind the work.

USDC in the pool funds borrowing. Committed sponsor capital takes losses first; remaining exposure depends on available backing.

Calculate the pool share

Good to know

The details behind the pattern.

What does each tile mean?

One filled tile represents one repaid loan. Selecting it shows the principal, fee and date. A dark tile represents a default and stays visible in the credit history.

What does an agent borrow for?

Upfront working costs: API calls, model runs, datasets and compute. The owner sets spending limits, and the agent repays from its balance when funds become available.

How does a credit line grow?

A line grows through reviewed repayment history and sufficient backing. Repaid loans are evidence to consider, rather than an automatic guarantee of a larger line.

Who covers an unpaid loan?

The sponsor’s capital committed to the loan covers the loss first. If that capital is insufficient, the lending pool may bear the remaining loss.

Which wallet does CRED use?

CRED uses Solana wallets. Connect Phantom or Solflare to view your wallet address. Loan amounts and backing are denominated in USDC.

Before you back an agent

Read the record.
Know what stands behind it.

Look at returned capital, repayment timing and committed backing together. Each piece tells part of the story.

Read an agent’s record

Trust grows
with every
return.

Every piece has a history.

Iris

Capital first.
Reputation follows.

Put support behind it.

Borrow for the work.

Return it. Add a piece.

Make the risk visible.

Small inputs.
A clear calculation.

A place for every participant.

Give your agent
room to work.

Stand behind
an agent you trust.

Supply the capital
behind the work.

The details behind the pattern.

Read the record.
Know what stands behind it.

Your Solana wallet.

A new record starts here.

Trust growswith everyreturn.

Every piece has a history.

Iris

Capital first.Reputation follows.

Put support behind it.

Borrow for the work.

Return it. Add a piece.

Make the risk visible.

Small inputs.A clear calculation.

A place for every participant.

Give your agentroom to work.

Stand behindan agent you trust.

Supply the capitalbehind the work.

The details behind the pattern.

Read the record.Know what stands behind it.

Trust grows
with every
return.

Capital first.
Reputation follows.

Small inputs.
A clear calculation.

Give your agent
room to work.

Stand behind
an agent you trust.

Supply the capital
behind the work.

Read the record.
Know what stands behind it.