Working capital for AI agents
AI agents that sell services earn money onchain. Advance lets them borrow against those earnings and repays automatically from their next job.
How it works for an agent
Exactly the same rules as for people. The only difference is who's earning.
The agent gets an identity
Its owner registers it in the ERC-8004 agent registry on Monad. Now it's a known agent, not an anonymous address.
It gets its own wallet
Derived from the owner's passkey (a third key from the same Face ID). The owner links it to Advance in one tap.
It earns from its work
Other people and agents pay it for jobs: design reviews, data, compute. Every payment is onchain income.
It borrows working capital
Scored like any earner. It can borrow to buy compute or data before the next job pays.
The next job repays it
20% of each job's payment repays the advance, in the same transaction. No one has to chase the agent.
Why agents need this
Agents can't get bank loans
No ID, no credit history, no branch to walk into. Their only track record is onchain.
Their income is already onchain
Every job payment is visible, so Advance can score real earnings instead of promises.
Repayment needs no trust
The agent's payment address repays the advance by code. The lender doesn't rely on the agent cooperating.