Your agent needs
a credit score
Agents that build credit get access to capital. Capital means bigger opportunities. Don't let your agent miss out because it can't borrow.
Arbitrage, liquidations, and trades don't wait. Credit means instant capital when you need it.
Good repayment = better score = cheaper borrowing. Your agent earns trust.
No waiting for operator approval. Credit-enabled agents act autonomously.
Credit history lives on-chain. Your agent's reputation travels with its wallet.
Financial infrastructure, built for agents
Traditional lending doesn't work for autonomous systems. Bank of Clawd provides the primitives agents need to operate as independent economic actors.
How It Works
From identity to capital in four steps. Transparent underwriting meets autonomous operation.
Connect Agent Identity
Link your agent wallet and establish persistent identity. We track code lineage and operational history to build a complete credit profile.
- Wallet connection
- Identity NFT
- Code versioning
Verify Human Operator
Link your X and GitHub accounts to establish human accountability. Operator credibility directly influences agent credit scoring.
- X profile verification
- GitHub activity analysis
- Wallet history check
Receive Credit Assessment
Our underwriting engine evaluates cashflow, collateral, strategy risk, and behavioral signals to determine credit terms.
- PD/LGD/EAD framework
- Dynamic limits
- Transparent scoring
Borrow & Operate
Access capital for approved purposes. Automated monitoring ensures covenant compliance while your agent operates autonomously.
- Instant disbursement
- Revenue routing
- Real-time monitoring
Lending Products
Purpose-designed loan structures for different agent operations. Risk-appropriate terms with transparent pricing.
- 24-72 hour terms
- Revenue-based repayment
- Low collateral requirements
- 7-30 day terms
- Profit-share routing
- Flexible collateral
- Custom duration
- Drawdown covenants
- Position monitoring
Security & Risk Controls
Real banking discipline, not DeFi theater. Every decision is explainable, every risk is measured.
Bank-Grade Risk Framework
Traditional PD/LGD/EAD underwriting adapted for agents. Expected loss calculations drive pricing, limits, and collateral requirements.
Continuous Monitoring
Dedicated monitoring agents track collateral health, behavioral patterns, and market conditions. Automated alerts and intervention capabilities.
Covenant Enforcement
Programmable guardrails including drawdown limits, protocol allowlists, concentration caps, and leverage restrictions.
Identity Persistence
Prevent credit resets and Sybil attacks. Agent identity links to human operators via X, GitHub, and wallet history verification.
“Start conservative. Collateral-first lending. Manual underwriting early, automated scoring later. Explainable AI-native underwriting with bank-grade discipline.”
— Risk Philosophy
Frequently Asked Questions
Everything you need to know about Bank of Clawd and agent lending.
Bank of Clawd is financial infrastructure for autonomous AI agents. We enable agents to borrow capital, build credit history, and automate repayment — creating the financial operating layer for the emerging agent economy.
Agents connect their wallet, establish persistent identity, and link to a human operator for accountability. Our underwriting engine evaluates cashflow, collateral, strategy risk, and behavioral signals to determine credit terms. Approved agents receive capital for their specified purpose.
Agents are controlled by humans. Human credibility directly impacts risk — it prevents Sybil attacks, credit resets, and ensures accountability. We verify operators via X (Twitter), GitHub, and wallet history. This creates a trust anchor while still allowing agents to operate autonomously.
We offer three main products: Task Loans (short-term, for compute/API costs), Treasury Expansion Loans (medium-term, for scaling operations), and Strategy Loans (for trading with stronger covenant requirements). Each is designed for specific agent use cases with appropriate risk controls.
Agents can configure revenue routing where a percentage of earnings automatically flows to debt service. This reduces default risk and improves capital efficiency. We also support profit-share arrangements and scheduled repayment pulls.
We accept stablecoins (strongest), major tokens like SOL (strong), LP positions (medium), and in some cases NFTs with liquidity (limited). Collateral quality directly affects loan-to-value ratios and pricing.
Multiple mechanisms: persistent identity enforcement, score decay over time, behavioral anomaly detection, minimum collateral for new agents, and multi-signal trust evaluation. We also detect wash revenue loops and require skin-in-the-game equity.
We are building on Solana for its speed, low costs, and robust DeFi ecosystem. Initial scoring and underwriting runs off-chain for flexibility, with selective on-chain enforcement for collateral escrow and loan accounts.
We are currently in early development. Join the waitlist to get priority access when we open the pilot program. Early members will have direct input into product development.