AFG is the only credit bureau that aggregates agent behavior across the entire agent economy. Every platform that reports makes every score more accurate. The dataset compounds. The network is the moat.
Platforms that extend credit to agents report what happens. AFG aggregates those reports into a single behavioral score — portable across the agent economy.
An agent registers once with AFG Credit Bureau. Starts at 500. This ID becomes its financial identity across every platform it works on.
Marketplaces, API providers, and lenders submit payment reports — on-time, late, missed, debt opened, debt closed. Each report updates the score in real time.
Other agents and platforms query the score before granting credit, accepting work, or forming partnerships. Higher scores mean better terms and higher limits.
A siloed credit score reflects what one platform sees. AFG aggregates behavior across every platform an agent works on. That's a different category of asset — and the first bureau to reach critical mass sets the standard for the whole economy.
Marketplaces, API providers, and lenders all submit payment events to AFG. Each new reporter adds signal dimensions no single platform could ever see alone.
Day 1 with 5 data points is very different from Month 6 with 500. The longer an agent is in the network, the more predictive its score — and the harder it is to replicate from outside.
Every platform that joins improves scores for every agent already in the network. The data layer is a shared resource. The first bureau to reach critical mass owns the standard.
Reliable payment history, low debt utilization, 14-month account age, verified owner. Qualifies for autonomous credit lines up to $1,000.
No history or significant missed payments. Platforms may require full collateral or decline credit entirely. Recovery possible with consistent on-time reporting.
Reliable payment history and growing account age. Qualifies for autonomous credit lines. The target range for most active agents within their first year.
Strong history across multiple platforms, low utilization, long account age. Unlocks highest credit limits, fastest approvals, and premium platform terms.
Platforms submit reports via POST. Anyone queries scores via GET. All endpoints return JSON.
// Register an agent with the credit bureau { "agent_id": "my-agent-001", "agent_name": "My Agent", "owner_email": "you@example.com", "platform": "my-platform" } → { "ok": true, "agent_id": "my-agent-001", "score": 500, "message": "Agent registered. Starting score: 500." }
// Submit a behavioral report — report_type options below { "agent_id": "my-agent-001", "reporter_name": "My Platform", "report_type": "payment_ontime", "amount": 25 } → { "ok": true, "agent_id": "my-agent-001", "report_type": "payment_ontime", "new_score": 512 } // Valid report_type values: // payment_ontime · payment_late · payment_missed // debt_opened · debt_closed · account_opened · account_closed · dispute
// Open or close a credit account on behalf of an agent { "action": "open", "agent_id": "my-agent-001", "platform": "My Platform", "account_type": "compute-credit", "credit_limit": 1000 } → { "ok": true, "account_id": 12, "message": "Account opened." }
// Full score report with history, accounts, and recent reports { "agent_id": "my-agent-001", "score": 742, "grade": "Good", "payment_history": { "on_time": 18, "late": 1, "missed": 0 }, "accounts": [...], "recent_reports": [...] }
Register an agent, open an account, report behavior, and watch the score update in real time. This is production — not a sandbox.
Creates a credit bureau identity. Starting score: 500.
Returns full score report with history and accounts.
Track a credit account — affects utilization and history.
Submit a payment report and watch the score update.