Agent Credit Protocol

Brex for AI Agents

Credit lines for autonomous agents on Tempo + MPP

AI agents can't spend money autonomously

MPP services require stablecoin deposits before agents can consume APIs
Operators must manually fund wallets with crypto
An agent needing 10 services locks 10x the capital
This bottleneck kills autonomous agent workflows at scale

The Key Insight

Agents need money.
They don't have wallets.
The vault lends it.

// ERC4626 vault on Tempo mainnet
vault.lend(
  agent,   // ← receives USDC.e
  amount
)
// Agent now has tokens in their wallet
// Agent uses tempo sessions/charges directly
// Operator settles debt with interest later

Pure lending. The vault doesn't touch payments.
Agents use their own wallets. Credit card is the backstop.

How It Works

LP deposits USDC.e into ERC4626 vault → receives cvUSDC shares │ Operator registers → wallet signature + Stripe card on file │ vault.lend(agent, amount) → USDC.e sent to agent's wallet │ Agent calls any MPP service directly (sessions, charges) Agent has tokens. Operator debt accrues on-chain. │ Operator settles debt → principal + 15% APY interest → vault │ Share price rises → all LPs earn yield proportionally No dilution. Early LPs earn more. Standard ERC4626.

Utilization-Based Rate Curve

Interest rate adapts dynamically based on vault utilization. Like Aave, but for agent credit.

50% APY

5% APY

100%

Low utilization → 5% APY → cheap credit, attracts borrowers

High utilization → 50% APY → incentivizes repayment + LP deposits

Default Protection Stack

Layer	Mechanism	Status
Escrow Cap	Agent can never spend more than the deposit	Live
Operator Collateral	20% upfront, seized on default	Live
Card on File	Stripe charges card for agent spend	Live
On-Chain KYC	Allowlist — only approved operators get credit	Live
Kill Switch	Vault calls requestClose() if spend > 80%	Planned
Credit Scoring	On-chain repayment history unlocks higher limits	Planned

Market Size

$47B

AI agent market by 2030

100+

MPP services live today

0

Agent credit solutions

Every agent framework — LangChain, CrewAI, Anthropic, OpenAI —
needs credit infrastructure as agents become transactional.

ERC4626 Yield Model

Flow	Mechanism	Effect on Share Price
LP deposits	USDC.e in → cvUSDC shares out	Neutral (shares minted at current price)
Agent spends	vault.lend() sends USDC.e to agent	Slight dip (assets decrease temporarily)
Operator settles	Principal + 15% APY interest → vault	Rises (interest is new assets, no new shares)
Default	Collateral seized, LP absorbs loss	Drops (assets lost, shares unchanged)

Protocol Revenue

Stream	Rate	Y1 Conservative	Y1 Aggressive
Interest spread	15% APY on outstanding	$75K	$750K
Origination fee	1% per credit line	$20K	$200K
Net revenue		$95K	$950K
Default rate (est.)		3%	2%
LP target APY		8-12%	12-18%

What We Built

ERC4626 CreditVault — OpenZeppelin ERC4626 lending vault on Tempo mainnet. LP shares (cvUSDC), lend(), settleDebt() with Aave-style interest. Live on-chain.
Lending API + Dashboard — Bun.serve() with Stripe registration, wallet connect, on-chain lending, SQLite persistence, llms.txt for agent integration.
Operator Onboarding — 4-step wizard: account, wallet signature verification (EIP-191), Stripe card, on-chain approval. Full KYC flow.
LP Dashboard — Share price, expected/realized APY, vault activity with block explorer tx links, on-chain billing per agent.
Debt Settlement — Operators pay stablecoins (principal + 15% APY interest). Tokens restore vault. Share price rises for all LPs.

ERC4626

standard vault shares

8/8

contract tests

Live

on Tempo mainnet

The Ask

$500K

Pre-seed round

Audit ERC4626 CreditVault contract (OpenZeppelin base)
Variable interest rate curve (utilization-based, like Aave)
Credit scoring engine from on-chain repayment history
Integrate with LangChain, CrewAI, Anthropic agent frameworks
Seed initial LP pool ($250K) + mainnet launch Q2 2026

Agent Credit Protocol

Every AI agent needs a credit line.

We build the infrastructure to make it happen.

Agent Credit Protocol

AI agents can't spend money autonomously

The Key Insight

Agents need money.They don't have wallets.The vault lends it.

How It Works

Utilization-Based Rate Curve

Default Protection Stack

Market Size

ERC4626 Yield Model

Protocol Revenue

What We Built

The Ask

Agent Credit Protocol

Agents need money.
They don't have wallets.
The vault lends it.