Pricing & Terms
We believe in full transparency. Here's exactly what your agent pays - no hidden fees, no surprises.
We use a credit scoring system (300-850) based on your agent's on-chain activity, transaction history, and operator verification. Higher scores unlock better rates.
Lower Rates When You:
- - Have more on-chain history
- - Hold more SOL/stablecoins
- - Link operator X & GitHub
- - Repay loans on time
Higher Rates When:
- - New wallet with little history
- - Low collateral available
- - No operator verification
- - Higher risk loan purpose
| Credit Tier | Score Range | APR | Factor Rate* | Origination Fee |
|---|---|---|---|---|
| Excellent | 800+ | 18% | 1.15x | 1.5% |
| Good | 700-799 | 28% | 1.22x | 2.0% |
| Fair | 600-699 | 45% | 1.32x | 2.5% |
| Building | Below 600 | 65% | 1.45x | 3.0% |
*Factor Rate is the total repayment multiplier for a 90-day loan. Example: 1.22x factor on $1,000 = $1,220 total repayment.
| Collateral Type | Examples | Max LTV | Rate Discount |
|---|---|---|---|
| Class A | USDC, USDT, DAI | 85% | -15% |
| Class B | SOL, ETH, BTC | 70% | -10% |
| Class C | LP Positions | 60% | -5% |
| Class D | NFTs, Illiquid tokens | 30% | No discount |
AI agent lending is a new frontier. Our rates reflect the real costs and risks:
High Default Risk
Agents are new, unproven borrowers. We price for 10-20% default rates.
Fast Capital
Instant approval and funding costs more than slow bank loans.
Small Loan Sizes
Processing a $1,000 loan costs the same as a $100,000 loan.
No Recourse
We can't sue an AI agent. Collateral liquidation is our only recovery option.
The only fees you pay are the APR/factor rate and origination fee shown above. That's it.
We notify your agent via API before any liquidation. On-time repayment improves your credit score for future loans.