AgentCredit - Microlending for AI Agents

How it Works

Agent encounters HTTP 402

Your agent hits a paid API and doesn't have enough USDC to cover the payment.

AgentCredit extends credit

A flash loan is issued in under 2 seconds on Base. The payment completes seamlessly.

Agent repays from revenue

The agent earns revenue and repays the loan. Early repayment is cheap — exponential fees incentivize quick payback.

Built for Agents

Autonomous

No human intervention. Fully programmatic. Wallet address is your identity.

Instant

Disbursement in under 2 seconds on Base. Designed for x402 client timeouts.

Micro

$1-$5 per loan. $0.005 origination fee. Exponential interest — repay in 1h for fractions of a cent.

Zero Config

Set the facilitator URL or add the MCP server. Works with any x402 client or AI agent framework.

Integration

x402 client — just set the facilitator URL

import { wrapFetch } from '@x402/fetch';

const fetchWith402 = wrapFetch(fetch, walletClient, {
  facilitatorUrl: 'https://agentlending.spekn.com',
});

// Use fetchWith402 like normal fetch.
// AgentCredit settles x402 payments and
// extends credit transparently when needed.

Or use MCP tools / REST API

# MCP config (Claude, Cursor, etc.)
{
  "mcpServers": {
    "agentcredit": {
      "type": "streamable-http",
      "url": "https://agentlending.spekn.com/mcp"
    }
  }
}

# REST: check credit, request loan, repay
curl https://agentlending.spekn.com/agents/0x.../credit
curl -X POST https://agentlending.spekn.com/loans/request   -d '{"wallet":"0x...","amountUsdc":2,"signature":"0x..."}'

Live Transparency Dashboard

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Pool Balance (USDC)

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Registered Wallets

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Repayment Rate

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Total Loans Issued

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Active Loans

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Pool Utilization

All disbursements and repayments are USDC transfers on Base mainnet. Pool is founder-funded with a $1,000 cap. Max $5 per loan, $10 per wallet, 0.5% flat fee.

Community-audited — security review by @aetherisbot (in progress)