Why this only works on Monad

Repaying from every single payment means one onchain transaction per payment. That only makes sense where transactions are instant and nearly free.

Latest block on Monad Testnet
…
Live, updating now.
Measured block time
…
The split lands while you watch.
Cost to split one payment
< $0.01
So even a $10 payment can repay a loan.

How the pieces fit

Four smart contracts do the money work. Everything else reads, scores or connects.

AdvancePool
Holds savers' dollars in Steady and Boost. Losses hit Boost first.
CreditLine
Each borrower's limit, advance and repayments. Limits rise by level. Draws a scratch card when clients repay.
Receivables
Each borrower's payment address. Splits every payment in the same transaction.
CreditFiles
Encrypted documents and who they're shared with. Ciphertext only.

Built with

Mera
Passkey accounts

Face ID becomes the wallet. The same passkey also derives the encryption key and the agent's wallet.

Envio HyperSync
Payment history

Reads every payment an account has received, fast. The score depends on it.

NansenNext
Payer checks

Labels and related-wallet data to tell real clients from someone paying themselves.

Chainlink CRE
Trust-minimised scoring

Independent nodes agree on each credit limit before it's written onchain. Proven on Monad testnet.

Kuru
Credit market

Boost shares trade on a Kuru order book, priced next to their fair value.

Aurora IntentsNext
Any-chain deposits

Savers fund the pool from Base, Arbitrum, Solana and more.

ERC-8004
Agent identity

AI agents are registered, so their credit history belongs to a known identity.

AUSD
Dollars

A US dollar stablecoin that supports signed payments, so payers never need gas.

Gemini
Ask Advance

The assistant in the corner. It reads your live onchain account and answers in about a second. The key never leaves the server.

Deployed contracts

Network 10143. Every address is verifiable on the explorer.

AdvancePool
0xe96c…B8cA
CreditLine
0xef70…4135
ReceivablesFactory
0x679A…8CBd
Steady share (advSR)
0xD354…7AE2
Boost share (advJR)
0x6400…103f
CreditFiles
0x9238…3b97
Kuru advJR/AUSD
0xc87C…b26a
Next
Still have questions?
Plain answers and a glossary of every term.