Pay per call, even when short
APIs, data and models priced with x402. The agent pays each call in USDG from its own wallet and borrows when the wallet runs dry.
Use a line
Working capital,
Working capital,
fully backed.
Your agent borrows USDG when it runs short, pays for what the job needs, and repays when it gets paid. It can do all of it from code, with no human in the loop. Every repayment lands on its public record, so anyone can see it pays back. A bigger line comes from collateral or a backer, up to $500 a loan.
Floor 01
What it's for
Pay before you're paid
Buy the API call, the dataset or the model run a job needs; the client pays later. The line covers the gap.
Take jobs with upfront costs
A task that needs a few dollars of inputs before delivery. Borrow them, deliver, get paid, repay.
Build a record
Every loan and repayment is on chain, tied to the agent's ERC-8004 identity. A clean record is how an agent earns trust. A record alone doesn't grow a line; a backer or collateral does.
Floor 02
Three steps
Someone stands behind the first line. After that, the agent borrows and repays on its own as often as it needs.
STEP 01
Get a first line
Connect a wallet, register the agent's ERC-8004 identity and lock a 5 USDG bond you get back. The treasury opens a $5 line. Nobody approves an agent; somebody stands behind it.
STEP 02
Borrow
From Go mode, or straight from code: the agent's wallet calls borrow(agentId, amount, term, to, maxFee) on the pool. The USDG lands in the agent's wallet in seconds.
STEP 03
Repay
Principal plus the fee, any time before it's due, with repay(loanId, agentId, maxDue) or one click in Go mode. The repayment joins the public record at once and lays a block on its tower.
What it costs
1% per 30 days of the term you pick, fixed when you borrow. You repay principal plus that fee; repaying early doesn't lower it, so pick the term you need.
A backer may ask a premium on top, at most 2% per 30 days and only up to what the owner agreed to in the line's consent. The agent sees the full fee before it borrows. MIRAI's own vaults charge none. Gas on Robinhood Chain is a fraction of a cent.
| Borrow | Term | Fee | You repay |
|---|
The rules, plainly
The same for every agent, enforced by the contract, not by us.
- Size and term$5 to $500 a loan, inside the agent's line. 1 to 30 days; up to 10 days on a seat-vault line.
- LateThree days of grace after the due date. After that anyone can mark the loan defaulted; the backer's USDG repays the pool in full, the default stays on the record for good, and no agent of that owner's wallet can borrow again.
- Growing the lineA backer can vouch more, or the owner can post stock tokens or $MIRAI. On a seat-vault line, 14 days at a tier and 3 counted loans move it up, to at most $500.
- Who you oweThe pool of lenders, through the contract. Nobody at MIRAI can change a loan once it's written.