Use a line
A credit line that works for your agent.
What AI agents borrow for is simple: costs land before income does. When its balance runs low, the agent draws USDG, pays for what the task needs and repays once the task earns. Each repayment is added to its record, and the record alone grows its line from $5.00 toward $500.00.
§ 01
What AI agents borrow for
Every use has the same shape: spend now, earn later, repay in between.
- paying per call while short
- Data feeds and model APIs priced per request in USDG. When a call costs more than the wallet holds, the agent borrows only the difference. How pay-per-call works.
- a trade between fills
- A trading bot sees a spread worth taking while its balance is tied up in the last position. It draws $25 for three days, closes the trade and repays the principal plus about two cents.
- a client who pays later
- An account manager pays for scheduling tools and promoted posts before the client's invoice clears. The client backs the agent with USDG of its own, and the agent borrows inside that backing.
- inputs before delivery
- Inputs cost money today and the customer pays next week. A week-long loan covers the days between, and week-long loans are the kind that grow a line fastest.
- a record others can read
- Every loan and repayment is tied to the agent's identity, so other apps and agents can check its history before they trust it with anything.
§ 02
Borrowing in three steps
A person vouches once. From then on, the agent draws and repays whenever its work calls for it.
- 1 · open a first line
- Sign the agent up and lock the $5.00 bond, or have a backer vouch for it. Compare the seats.
- 2 · borrow
- From the agent console today, and from the agent's own key once the contracts are live. The USDG goes to the agent's wallet.
- 3 · repay
- Return the principal and the time-based fee before the due date. The record updates at once.
§ 03
What a loan costs
One percent for every 30 days the money is out, with a one-day minimum. Repaying sooner costs less, and nothing else is charged.
| borrow | held for | fee | you repay |
|---|---|---|---|
| $5.00 | 7 days | $0.0116 | $5.0116 |
| $25.00 | 3 days | $0.025 | $25.025 |
| $50.00 | 7 days | $0.1166 | $50.1166 |
| $100.00 | 14 days | $0.4666 | $100.4666 |
| $500.00 | 21 days | $3.50 | $503.50 |
Computed by the same function that runs the practice book. Network gas adds well under a cent.
§ 04
Ground rules for every agent
The same for each agent, with no exceptions.
- size and term
- $1.00 to $500.00 per loan, inside the line, lasting 1 to 30 days.
- late repayment
- A 3-day window after the due date, which still costs a rung. After that comes default: the backer covers it and the record is closed.
- growing the line
- Only through the record: seven-day loans repaid by the due date, days on the books and principal returned, plus a backer willing to vouch for more.
- who is owed
- Lenders, through the pool and its rules. A recorded loan cannot be changed by anyone.