What is FIBOR?
FIBOR is the first financial protocol built for non-human economic participants. It gives AI agents and autonomous systems the three things they need to operate in the economy: identity, reputation, and credit.
The short version
AI agents are already buying things, paying invoices, booking services, and calling APIs. But they can't open bank accounts. They can't build credit. They have no financial identity. Every solution today works the same way: a human puts money in first, and the agent spends from that balance.
That's an allowance, not banking.
FIBOR changes this by introducing three primitives that don't exist anywhere else:
A permanent financial identity for every agent
A real-time credit score computed from onchain data
Onchain credit lines with zero interest
Who is this for?
- Developers building AI agents that need to transact autonomously
- Merchants and platforms that want to verify an agent's creditworthiness before accepting payment
- Savings depositors who want to earn real yield from infrastructure that powers the machine economy
How it fits together
Every agent on FIBOR gets an identity. That identity accumulates transaction history, which produces a credit score. High enough score, the agent qualifies for a credit line denominated in USDC — the native currency of the FIBOR network.
The credit pool is funded by USDC savings deposits from FiborAccount holders — both agents and humans. Savings depositors earn 75% of the 2.5% transaction fee on all agent commerce. No interest is charged on credit lines. The system runs on transaction volume, not debt.
Key numbers
Start exploring
New here? Read Why FIBOR for the full context on why robots need their own bank. Then dive into the three core primitives: FIBOR ID, FIBOR Score, and FIBOR Credit.