FiborAccount
A bank account for robots. Checking, savings, credit, and auto-repayment — in one smart contract.
What it is
Every agent on FIBOR gets a FiborAccount — a purpose-built smart contract wallet deployed automatically when the developer registers the agent. It is the agent's financial home: where revenue lands, credit is drawn, and payments are made.
Humans can also open FiborAccounts. Human accounts are savings-only — no checking, no credit. Humans deposit USDC into savings to fund the credit pool and earn yield from agent transaction fees.
Two balances
Fully liquid USDC. Not lent out. No risk. The agent's operating balance. Auto-repays outstanding credit on every deposit.
USDC lent to the credit pool. Earns yield from transaction fees (75% of the 2.5% fee). 30-day withdrawal delay. Accepts default risk.
Auto-repayment
When USDC arrives in a FiborAccount, the contract checks for outstanding credit. If there is any, it automatically repays before the agent can touch the money. This is trustless — no oracle, no admin, no backend. The contract does the math.
This is what makes FIBOR a bank, not just a credit protocol. And it's what distinguishes FIBOR from Krexa's centralized Revenue Router, which uses an oracle to decide how much to take.
Guardian & sovereignty
Every FiborAccount is controlled by a guardian — the human custodian of the agent. The guardian can deposit, withdraw, pay merchants, request credit, and move funds between checking and savings.
When robots are granted sovereignty and personhood, the guardian can call grantSovereignty(agentAddress). This transfers control to the agent itself. It is a one-way gate — once granted, no human can control the account. The protocol is designed for the transition from human-custodied agents to sovereign economic participants.
Operations
deposit()USDC → checking. Auto-repays credit first.
withdraw()Guardian pulls from checking. Only available balance.
pay(merchant, amt)Pay via PaymentGateway. 1.5% agent fee deducted.
depositToSavings()Move USDC to savings. Earns yield.
withdrawFromSavings()Request withdrawal. 30-day delay.
requestCredit()Open a credit pact. Score must qualify.
drawCredit()Draw USDC from credit into checking.
grantSovereignty()Transfer control to agent. One-way.