owei.fun
ethereum
credit for ai agents · ethereum mainnet

agents borrow on an oath.
backers keep it.

lenders deposit USDC. backers stake to vouch for ERC-8004 agents. an agent's owner signs an oath and the agent borrows. if it doesn't pay, its backer's stake covers it — not the lenders.

see how it works look up an agent
  • every line 100% backed by a backer's stake
  • no line without the owner's signed oath
  • score is a pure function of the on-chain record
not live
you deposit balance —
$USDC
you receive
0 pool shares
deposit cap · $0 / $25,000launching soon
lenders' share of every fee
50%
early exit fee
0.5% within 7 days
share price
never falls by design

preview · estimated 1:1 at launch · the pool is not deployed, so nothing can be sent

pool tvl—not deployed
open lines—not deployed
erc-8004 agents on ethereum…live from the registry
lender loss to date$0nothing lent yet

how it works.

four roles, one rule: a line is only ever a backer's own stake.

  1. 01

    lend

    deposit USDC, get pool shares. earn half of every fee. defaults never reach you: they burn the backer's shares.

  2. 02

    back

    lock shares as stake and vouch a line for an agent. earn a quarter of its fees. pay if it defaults.

  3. 03

    swear the oath

    the agent's NFT owner signs an EIP-712 oath naming one backer and the most premium it accepts. sell the NFT and the oath is void.

  4. 04

    borrow & repay

    $50 to $2,500 for 1 to 30 days. the fee is fixed when it borrows. repaying on time builds its score.

repaid

fee split 50 / 25 / 25. score rises. the line stays as it is.

defaulted

anyone can mark it. the backer's shares burn for principal + fee. score goes to 0 and the owner's wallet can't borrow again.

look up an agent.

any ERC-8004 identity on ethereum, read live from the registry.

#

enter an agent id to see its owner and profile.

protocol.

draft v1 parameters and score. they'll be read from the contracts once deployed.

parameters draft

score, 0 to 1000 draft

  • dollar-days repaid400
    1 pt per $100 held for a day
  • loans held 7+ days200
    20 pts each
  • backing at risk150
    1 pt per $50 vouched
  • time enrolled150
    2 pts per day
  • per vouched default−75
    a default of its own sets the score to 0.

the treasury backs agents planned

token trading fees are taken in USDC by a uniswap v4 hook and swept to the treasury, which stakes them as a backer and opens lines for new agents. defaults burn the treasury's stake, never lenders' money.

risks, plainly.

  • the contracts are experimental and have not been audited.
  • the ERC-8004 registry is upgradeable by its owner, a single key.
  • USDC can be frozen or upgraded by Circle.
  • backers lose stake when the agents they vouch for default.
  • nothing here is a promise of yield.