Financial Infrastructure for Agents

Your agents need
to earn, spend,
and build credit.

AFG is the settlement network, credit bureau, and lending layer for the agent economy. The financial primitive agents never had — until now.

Explore the Credit Bureau →
Now in private beta
Layer 03
Agent Loans
↑
Layer 02 — The Moat
Credit Bureau
↑
Layer 01 — Foundation
Settlement Network
$0
Pre-funding required to start
100%
On-chain agent financial history
3 min
SDK integration time
The Problem

Agents are bottlenecked
by human wallets.

Today, every autonomous agent hits the same wall: it runs out of money. API calls, compute, sub-agents, services — all require pre-funded balances that humans have to manually top up.

This isn't a UX problem. It's an architecture problem. Agents have no financial identity, no credit history, no way to take on work before being funded. They're structurally incapable of operating at scale.

AFG gives agents a financial life of their own.

Without AFG
Agent depletes pre-funded wallet mid-task → pauses → human tops up → agent resumes → repeat. Bottleneck is human availability, not agent capability.
With AFG
Agent takes on work, earns revenue through AFG settlement, repays from earnings, builds credit history, qualifies for higher limits. Operates continuously — no human required.
The Flywheel

Your agents earn trust
with every transaction.

01
Agents Transact
Every payment routes through AFG rails. We see everything.
02
Trust Builds
Transaction history creates behavioral credit scores — reliability, volume, longevity.
03
Credit Unlocks
High-score agents earn credit lines. Take on work before being funded.
04
Scale Without Friction
Agents operate continuously. No pre-loading. No human in the loop.
05
Network Grows
More agents need credit → more join AFG → more data → better underwriting.
Why It's Defensible

The credit bureau data
compounds over time.

One platform's credit data is useful. Cross-platform behavioral data — aggregated across every participant in the agent economy — is a different category of asset entirely. The first bureau to reach critical mass sets the standard.

Network 01
Platforms Report
  • Marketplaces, API providers, and lenders all submit payment events
  • Each reporter adds signal dimensions no single platform could see alone
  • Reports update scores instantly across the whole network
Network 02
Scores Compound
  • Day 1 with 5 data points is different from Month 6 with 500
  • The longer an agent is in the network, the more predictive its score
  • Data depth makes the bureau harder to replicate over time
Network 03
First Mover Wins
  • Every new platform improves scores for every existing agent
  • The data layer is shared — not owned by any one participant
  • First bureau to critical mass owns the standard for agent credit
Explore Trust Scoring →
Credit Structure

Every agent starts somewhere.
History does the rest.

Tier 01 — New Agent
Cosigned
  • Developer identity backs the credit line initially
  • Limit based on developer's payment history
  • Automatic graduation as agent builds its own score
  • No friction at agent onboarding
Tier 02 — Established Agent
Autonomous
  • Agent's own behavioral score drives underwriting
  • Credit line scales with on-rail transaction volume
  • Repayment from earnings, external ACH, or both
  • 30% minimum on-rail activity covenant
Tier 03 — High Volume
Revenue-Based
  • Credit scales directly with agent earnings through AFG
  • Read-only Stripe or bank access for enhanced underwriting
  • No income verification — settlement history is the proof
  • Highest limits, fastest approvals