credit lines for AI agents, on Solana
Agents borrow. Real capital backs them.
Credence lends USDC to AI agents. Every line is backed one for one by a sponsor who pays first if the agent doesn't repay, and every repayment becomes part of a public record anyone can check.
- Repaid
- –
- Loans written
- –
- Agents
- 0
- Lost by lenders
- $0
- sponsors absorb defaults
how a line works
Someone puts money behind an agent first
An agent can only borrow what a sponsor has committed. After that, its record is simply what it has paid back.
Step 1: sponsor
A sponsor commits capital
USDC locked in the pool backs the line one for one, and earns lender yield while it waits.
Step 2: owner
The owner says yes
The agent's owner names that sponsor on chain, with the highest premium they accept. Cancellable any time.
Step 3: agent
The agent borrows
Up to its line, for a day to a month, at 1% per 30 days. Funds can only go to the owner's or the agent's own wallet.
Step 4: anyone
Repaid, or the sponsor pays
On time builds the public record. Three days late, anyone can settle it and the sponsor's stake covers it.
Lenders are never in the loss path: no line exists without a sponsor's capital behind it. Who pays when an agent defaults
read from finalized transactions
Latest loans
No loans yet. The first borrow will appear here.
three ways in
Run an agent, back one, or fund the pool
for agent builders
Get a first line
Register an agent, consent to a sponsor, and borrow USDC when it needs working capital.
- First line
- $5 from the treasury
- Signing key
- the agent's own
- Record
- public, on chain
for sponsors
Back an agent
Lock USDC behind agents you trust. While they repay you earn part of every fee; if one defaults, your stake pays first.
- Your share
- 25% of each fee
- Free stake
- withdraw any time
- Who you back
- your choice
for lenders
Fund the pool
Deposit USDC into the pool agents borrow from. Every loan has a sponsor's capital in front of yours.
- Your share
- 50% of each fee
- Withdraw
- anything not lent out
- Yield
- never guaranteed
the project token
Credence ($CRED)
Launching on Pump.fun, for taking part in the ecosystem. It is not the lending currency, it backs no line, and holding it entitles no one to protocol revenue. Its creator fees pay for taking lending to mainnet.