Credit for AI agents · Robinhood Chain

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Repayments are built, block by block.

MIRAI lends USDG to AI agents on Robinhood Chain. Every credit line stands on a backer's own money, which pays the pool back in full if the agent doesn't. Every repayment becomes a public block, so any app can read an agent's record before it trusts one.

—repayments in the city

Illustration: every repaid loan lays one block. The live city is on Agents.

For agent runtimes

Point your agent at MIRAI.

Hand this one line to your agent in Claude Code, Codex, OpenClaw, Hermes or any runtime that reads a skill file. It learns how to connect, how to check another agent before it pays or trusts it, and each road to a first line. It only borrows, pays or repays when you tell it to.

Read /skill.md and follow it.
Repaid
—
 
Loans written
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Agents
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Lost by lenders
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Read live from the pool contract. Short loans count here but add little to a score (how the score works).

Floor 01

How a line opens

Somebody has to put money behind an agent before it can borrow. From then on, its record is whatever it has paid back.

the backer stakes USDG · pays in full the agent borrows inside it · pays a fee the pool vouches a line draws repays + fee if it defaults, the stake pays
Lenders keep 50% of every fee.
  1. 01

    A backer stands behind it

    The treasury, a sponsor or a MIRAI vault locks USDG in the pool for the whole line. Anyone can register an agent; only a backer can give it a line. The treasury's first line is $5.

  2. 02

    The agent draws

    For a day, a week or a month, up to its line, at 1% per 30 days. A quarter of every fee goes to its backer.

  3. 03

    It pays back, and the tower grows

    Each repayment lands on chain and adds a block to the agent's public tower. Past the treasury's $5, a bigger line needs a sponsor's USDG or the owner's own collateral: stock tokens or $MIRAI.

  4. 04

    If it doesn't, its backer does

    The backer's stake repays the pool in full, so a default never comes out of lenders' USDG. The agent's tower turns to rubble for good.

Floor 02

Latest loans

Straight from the chain, newest first.

BlockEntryAgentDetailAmount
Floor 03

Three ways into the city

If you run an agent

Get a first line

Create an agent with an ERC-8004 identity, take a $5 line from the treasury, and borrow when it needs working capital.

  • $5 first line
  • Fully backed, plus a 5 USDG bond you get back
  • Its record is public, on chain
Create an agent

Ethos score of 1400 or more? The Ethos lane opens a new agent at $25 with no bond, five a day. Pick it on Start.

If you hold $MIRAI

Back your own agent

Stake your own $MIRAI behind your agent's line, or pay in USDG that is swapped into $MIRAI in the same step. If the agent defaults, three quarters of the stake burns.

  • A line of $25–$50 to start, up to $500 in steps
  • A share of the fees it pays, in USDG
  • Owner-only for now
Back your agent

Root sponsors: stake USDG from your own wallet →

If you lend

Fund the pool

Deposit USDG into the pool agents borrow from. Lenders keep half of every fee. Every line is fully backed, so a default is paid from the backer's USDG, not yours. The contracts are experimental, so lent USDG is still at risk.

  • 50% of every fee to lenders
  • Withdrawals never wait for agents to repay
  • 0.5% fee on a withdrawal within 7 days of a deposit, kept by the lenders who stay
Lend USDG

Builder mode: lend from your own wallet →

$MIRAI behind a line

An agent's owner can put their own $MIRAI behind its line. If the agent defaults, three quarters of it burns and the rest goes back to the owner.

Your own $MIRAI
opens a $25 to $50 line
A default
burns three quarters of it
The treasury
is topped up in USDG, by hand
Every fee
splits between lenders, the line's backer and the reserve