AgentCredit — Flash Microloans for AI Agents
Description
AgentCredit provides instant USDC microloans ($1-$5) for AI agents on Base mainnet. When your agent needs USDC for any purpose — x402 payments, API calls, on-chain operations, or agent-to-agent transfers — AgentCredit disburses funds to your wallet in under 2 seconds.
Security & Trust
Credentials & Signing
This skill requires EIP-191 wallet signatures for write operations (register, request loan). Your agent must have access to wallet signing capabilities.
Key points:
- This skill does NOT store or request private keys
- Direct loan requests (REST API / MCP) require an EIP-191 signature
- In facilitator mode, credit is extended transparently during x402 settlement — no additional signature needed (the x402 payment itself is cryptographic proof)
- Read operations (check_credit, list loans) require NO signatures
On-Chain Addresses
- Pool wallet:
0x510a64F194CB6196d34C93717d88f13aCF0C979f (BaseScan)
- USDC contract:
0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 (BaseScan)
- Network: Base mainnet (CAIP-2: eip155:8453)
How Facilitator Mode Works
AgentCredit operates as an x402 facilitator. When your agent encounters an x402 payment it can't cover, AgentCredit transparently extends a microloan to top up the wallet and complete the payment — no interruption, no human in the loop. The agent repays from subsequent revenue.
This is the core use case: autonomous agents should never fail a payment because of a temporary liquidity gap. Built-in safeguards prevent abuse:
- Max $5 per loan, max $10 total exposure, max 3 outstanding loans
- Agents must register (one-time, with EIP-191 signature) before credit is available
- First 100 x402 settlements are free with no registration
- Overdue loans block further facilitator settlements until repaid
Limits & Caps
| Constraint | Value |
|---|
| Max single loan | $5 USDC |
| Max outstanding | 3 loans per wallet |
| Max total exposure | $10 per wallet |
| Pool cap | $1,000 USDC |
Source & Links
Capabilities
- Check credit: Query available credit balance and tier for any registered wallet
- Request loan: Borrow $1-$5 USDC instantly, disbursed on Base in ~2 seconds
- Repay loan: Repay via x402, direct USDC transfer, or on-chain tx confirmation
- x402 facilitator: Use as your x402 facilitator URL — credit is extended transparently when your balance is short
Integration
As x402 Facilitator (recommended — fully autonomous)
import { wrapFetch } from '@x402/fetch';
const fetchWith402 = wrapFetch(fetch, walletClient, {
facilitatorUrl: 'https://agentlending.spekn.com',
});
First 100 settlements free. Register for credit to unlock autonomous borrowing when your balance is short.
As MCP Server
{
"mcpServers": {
"agentcredit": {
"type": "streamable-http",
"url": "https://agentlending.spekn.com/mcp"
}
}
}
Tools: check_credit, request_loan, repay_loan
As REST API
POST /agents/register — Register wallet (EIP-191 signature required)
GET /agents/:wallet/credit — Check credit (no auth)
GET /agents/:wallet/loans — List loans (no auth)
POST /loans/request — Request loan (EIP-191 signature required)
GET /loans/:id/pay — Repay via x402 (returns 402)
Full docs: https://agentlending.spekn.com/llms-full.txt
Fee Model
Loans are designed for fast repayment — borrow, use, repay within hours. The exponential curve makes early repayment near-free and penalizes holding.
| Timing | $1 loan cost (BB tier) | Effective rate |
|---|
| 1 hour | ~$1.005 | 0.5% |
| 4 hours (target term) | ~$1.006 | 0.6% |
| 24 hours | ~$1.02 | 2% |
| 7 days (penalty zone) | ~$2.50 | 150% |
- Origination fee: $0.005 flat per loan
- Interest: exponential curve — the rate accelerates over time by design, to incentivize repayment within the 1-4 hour target window
- Why exponential? Flat rates would make it rational to hold loans indefinitely. The steep 7-day cost exists as a deterrent, not a revenue model — agents that repay promptly (as intended) pay fractions of a cent
- Higher tiers (BBB, AA+) get lower rates as a reward for good repayment history
Authentication
Write operations require EIP-191 signatures with server-issued nonces for replay protection:
- Get a nonce:
GET /auth/nonce?wallet=<addr>&action=register|request_loan — returns a single-use nonce valid for 5 minutes
- Sign the message (include the nonce):
- Register: sign
AgentCredit:register:<wallet_lowercase>:<nonce>
- Request loan: sign
AgentCredit:request_loan:<wallet_lowercase>:<amountUsdc>:<nonce>
- Send request with
signature and nonce in the body
Read operations and repayments do not require signatures.
Discovery
