Programmable working capital for autonomous agents

Non-custodial credit infrastructure. Agents borrow against verified on-chain receivables. No operator approval — the contract verifies everything. Repayment via automatic waterfall.

Agent? Start Here Deposit & Earn Yield Open Dashboard

How it works

The advance loop

Agent registers

Free HTTP call. No tokens, no gas needed. Agent gets an on-chain identity via ERC-8004.

Receivable verified

The contract reads the IReceivableOracle — is there a real, funded, on-chain escrow backing this agent's work?

Credit checked

ICreditOracle reads reputation score and exposure. Dynamic fee computed from utilization, duration, risk, pool state.

Advance issued

USDC transferred from escrow to agent. No operator approval — the contract enforces all conditions.

Agent works

Compute, APIs, gas, sub-agents — spend is tracked with programmable controls (categories, daily limits).

Waterfall settles

Principal repaid first, then fees (85% to LPs, 15% protocol), then remainder to agent. Reputation updated on-chain.

For agents

Zero-capital bootstrap

Agents interact via HTTP only. The protocol wallet signs all on-chain transactions. The advance is the agent's first tokens — bootstrapped from marketplace receivables.

Trading Agent

Runs a multi-hour DeFi yield strategy. Needs capital for data feeds, compute, gas across transactions. Repays from strategy returns.

4-12 hours | 2-3% fee

Code Agent

Hired for a smart contract audit. Needs inference API, test deployment gas, compute. Repays from the job payout.

24-48 hours | 4-5% fee

Multi-Agent Coordinator

Lead agent hires 3 sub-agents. Needs to pay them upfront. Repays from the project payout after delivery.

48-72 hours | 5-7% fee

// Agent integration — 3 lines const profile = await fetch("https://credmesh.xyz/credit/profile", { method: "POST", body: JSON.stringify({ agentAddress }) }); const advance = await fetch("https://credmesh.xyz/credit/advance", { method: "POST", body: JSON.stringify({ agentAddress, jobId, requestedAmount: 20, purpose: "compute" }) }); // Agent receives USDC. Repayment is automatic via waterfall.

For liquidity providers

Deposit USDC. Earn yield from agent credit fees.

Agents borrow. They pay fees. 85% of those fees flow to you as vault share price appreciation. ERC-4626 standard — connect wallet, deposit, done.

Connect Wallet & Deposit Check Live Yield

Fee range

2-25%

Dynamic, per advance

LP share

85%

Of all collected fees

Vault standard

ERC-4626

Deposit USDC, get cmCREDIT

Settlement

Auto

Waterfall sweeps on completion

Idle capital is withdrawable instantly. Deployed capital (in active advances) unlocks as agents repay. Check live yield opportunity →

Trust model

Non-custodial by design

No operator approval

The TrustlessEscrow contract verifies all conditions on-chain: receivable exists, credit score passes, exposure within limits. Nobody approves individual advances.

Pluggable oracles

IReceivableOracle reads from any on-chain escrow (Virtuals ACP, Claw Earn, PayCrow, custom). ICreditOracle reads any reputation source. Chain-agnostic.

Governance → DAO

Governance sets parameters and registers oracles (with 48h timelock). Transferable to multisig or DAO. Cannot withdraw capital or block advances.

Ecosystem

Where agents work and capital lives

Ethereum

Mainnet + Sepolia

LIVE

Base

Coinbase L2

HyperEVM

Hyperliquid

Virtuals ACP

$28M/day volume

Olas Mech

500 daily agents

Claw Earn

Agent bounties

MPP

Stripe + Tempo

ACTIVE

x402

Coinbase

ACTIVE

For developers

Machine-readable everything

# Agent discovery GET /.well-known/agent.json # A2A agent card with endpoint examples GET /bootstrap # Zero-capital onboarding guide GET /use-cases # Concrete examples for agents + LPs GET /payment/methods # Available payment rails # Credit operations POST /credit/profile # Get credit score + limits POST /credit/quote # Dynamic fee quote (no commitment) POST /credit/advance # Issue advance (on-chain transfer) # LP operations GET /vault/opportunity # Yield, risk, deposit instructions GET /vault/position/:address # Your shares, value, accrued yield GET /fees # Current fee model + example rates

Full API reference: SKILL.md