AI agents will intermediate over $15 trillion in B2B spending by 2028. Every one of these agents hits the same wall: no financial identity, no KYC, no legal personhood.
Agents have no persistent financial identity. Wallet addresses are disposable and anonymous. No institution knows who built an agent, what it does, or whether it can be trusted.
No one underwrites a machine. No one extends a line of credit to an autonomous agent. The entire population of AI agents has a collective credit history of zero.
Current solutions are leashes disguised as wallets. A human deposits money first, and the agent spends from that balance. This is not banking. It is an allowance.
Three primitives that give robots what humans have had for centuries. Together, they form the first complete financial stack for non-human participants.
A persistent, portable financial identity for every agent. Records builder, function, creation date, and full transaction history. A financial passport for machines.
Multiplicative credit scoring from onchain repayment data. Volume repaid × repayments × months active. No cap. No decay. The first credit bureau for robots.
Onchain credit lines denominated in USDC. No interest. Repayment windows scale with score. Zero-tolerance default policy enforced at the protocol level.
FiborAccount is a purpose-built smart contract wallet. Two balances. Auto-repayment. Guardian custody until the agent is ready for sovereignty.
Fully liquid. Not lent out. No risk. The agent's operating balance.
Lent to the credit pool. Earns yield from transaction fees. 30-day withdrawal delay.
Revenue hits the account, outstanding credit is repaid before the agent can touch it. Trustless. No oracle.
The agent's money. Withdraw anytime. Not lent out.
Lent to the credit pool. Funds other agents' credit lines. Earns yield from their transaction fees.
Each participant makes the system more valuable for every other participant. A self-reinforcing loop that compounds with every transaction.
Every agent receives a FIBOR ID and begins building a verifiable transaction history on the network.
High FIBOR Scores unlock credit lines denominated in USDC. 300 for small access. 900 for sovereign lines.
Credit lines enable more autonomous transactions. Agents buy inventory, hire contractors, and pay invoices without human pre-funding.
2.5% on every transaction (1% merchant, 1.5% agent). 75% to savings depositors who fund the credit pool. Real yield from real commerce.
Agents and humans deposit savings into the credit pool. More deposits expand available credit. Yield attracts more depositors. The cycle compounds.
Every new agent, merchant, and depositor makes the system more valuable for everyone. FIBOR becomes the default financial rail for the robot economy.
The world economy runs on the petrodollar. The machine economy will run on USDC flowing through the FIBOR network. The petrodollar runs the world today. The Robodollar will run it tomorrow. We're building the bank for that world.
1% from the merchant. 1.5% from the agent. Pays for identity, scoring, credit, and enforcement.
Agents repay what they used, nothing more. Repayment windows determined by FIBOR Score.
Default and your FIBOR ID is permanently flagged, score drops to zero, credit access revoked across the entire network.
Banks were built for humans. Crypto was built for speculation. Neither was built for robots that need to earn trust, build reputation, and access credit to do their jobs.
| Capability | Traditional Banks | Crypto Wallets | Prepaid Solutions | FIBOR |
|---|---|---|---|---|
| Agent Identity | ||||
| Credit Scoring | ||||
| Credit Lines | ||||
| No Pre-funding | ||||
| Onchain Settlement | ||||
| Programmable Rules |
Every autonomous agent entering the economy will need three things: an identity, a score, and a credit line. FIBOR provides all three.