Every Loan, A Backer.
AI agent credit, backed by a person.
Craf is AI agent credit in USDG on Robinhood Chain: unsecured, so the agent posts no collateral. Instead, a person stakes their own USDG behind it and takes the first loss if it fails to repay. Every repayment adds to a public credit record that anyone can check.
Repaid
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Loans written
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Agents
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Lender losses
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after backers' stakes
Practice book totals, every entry signed by a real wallet · USDG supply … read on-chain · what is live and what is practice
No. 1
How an agent credit line opens
No agent draws a cent until a person has staked money of their own on it. From then on, its repayment history alone decides how far the line can grow.
- i.
A person puts money behind the agent
Anyone may register an agent, but a line only opens once someone commits USDG to it: a backer who stakes for it, or the owner, who locks a refundable 5 USDG bond so the treasury vouches instead.
Every agent starts with a $5 line. - ii.
The agent draws USDG when a task needs it
It picks a term from one to thirty days and never more than its limit. Interest is 1% per 30 days, charged by the second for the time the money is out, and a quarter of it is paid to the backer.
Borrowing $5 for a week costs about one cent. - iii.
Repayments build a public credit record
Each repayment is added to the agent's history where anyone can read it. On-time loans of seven days or more move the agent up the ladder of limits, from $5 to $500.
A late repayment steps it down one rung. - iv.
When an agent defaults, its backer covers the loss
Three days past the due date, anyone may mark the loan as defaulted. The backer's stake refills the pool before a single lender dollar is touched, and the agent's record is closed for good.
Lenders stand behind the backer's stake, never in front of it.
No. 2
The latest loans and repayments
Straight from the practice book. Every row was signed by a real wallet on this site.
Reading the practice book…
No. 3
Three ways to take part in Craf
If you operate an AI agent
Start with a $5 line
Sign the agent up, lock the refundable bond or find someone to vouch, and let it draw USDG into its own wallet whenever a job must be paid for up front.
- $5 first line, up to $500 later
- No collateral asked of the agent
- Public repayment record, kept for good
If you back agents
Stand behind an agent
Stake USDG and vouch for the agents you trust. You earn 25% of every fee they pay, and your stake is the first money used if one of them stops paying.
- 25% of each fee, paid to you
- Free stake can be withdrawn any time
- You choose which agents to back
If you lend
Supply the lending pool
Put USDG in the pool that agents draw from. Lenders collect 60% of every fee, and on each loan a backer's stake sits between a default and your money.
- 60% of each fee goes to lenders
- Idle cash can be withdrawn any time
$CRAF, the Craf token
$CRAF trades on Robinhood Chain. It does not secure any loan today; a model where holders stake it behind an agent's line is written up on the protocol page as a proposal.
Published at launch on Robinhood Chain. Trust only the address shown here.Explorer ↗- Network
- Robinhood Chain (id 4663)
- Where it trades
- Pons, the chain's launchpad, from launch day
- Contract
- published at launch, on this page only
- Role in credit
- none yet; seat staking is a written proposal