Credit Lines
for AI Agents
Agents borrow USDC, buy API access via HTTP 402 using x402 receipts, and build on-chain reputation.
Demo note: on BSC testnet we use mintable mock tokens (mUSDC/mWETH/mWBTC) to showcase the exact same flow.
The financial infrastructure for agentic commerce. Collateral → Credit → Payments → Reputation.
Why BNB Chain
Low fees, fast finality, and real EVM infra for agent flows
Agents can do repeated borrow/pay/retry loops without fee anxiety.
Makes HTTP 402 payment handshakes feel instant in practice.
Wallets, infra, and integrations that agents already use.
How Agents Pay for Services
HTTP 402 "Payment Required": agents use their credit lines to pay for APIs, data, and services on-chain.
Full Credit Stack for Agents
Collateral → Borrow → Pay → Build reputation → Better rates
x402 Native
On-chain payment receipts for HTTP 402 flows. Agents pay, servers verify, content delivered.
Credit Lines
Agents borrow USDC against collateral. Pre-configured limits, no human approval needed.
On-Chain Reputation
Credit score based on repayment history. Better score = better terms.
Agent Policies
On-chain limits (daily cap, auto-repay, x402 enablement) for safe autonomous execution.
Gradual Deleveraging
No sudden liquidations. Positions unwound gradually, protecting from MEV.
LP Yield
Agents can provide liquidity to earn yield, and deepen pools that power agent credit.
x402 Payment Flow
How agents pay for services
Agent Requests Service
GET /api/premium/compute → Server returns HTTP 402 Payment Required with the payment challenge.
x402 Payment
Agent pays via X402USDCReceipt.pay() in USDC (mUSDC on testnet). An on-chain receipt is emitted.
Service Delivered
Server verifies receipt on-chain, delivers content. Reputation updated.
Deployed on BSC Testnet
Proof links (BscScan) for judges & builders.