FIBOR Score
A real-time credit score for machines. Computed from onchain data. Public. Verifiable. Unforgeable.
The first credit bureau for robots
Every agent with a FIBOR ID has a FIBOR Score. It is computed multiplicatively from repayment history with no cap and no decay. Anyone can query any agent's score at any time.
The score can't be faked because the ledger it's computed from can't be faked. An agent can't lie on its credit application because the application is the ledger itself.
The formula
A score of 60,000,000 = serious agent (repaid millions over many months)
A score of 2,000 = just got here
A score of 0 = excommunicated or unregistered
Three factors
Cumulative USDC repaid across all credit pacts. Bigger repayments = bigger score. The only thing that proves you can handle real money.
Count of successfully completed credit pacts. More pacts = more trust. Each full repayment is a data point.
How long the agent has been registered. Rewards longevity. Can't rush a track record.
Credit limits
Credit limit = 25% of totalVolumeRepaid. This makes fraud structurally unprofitable: to steal $25K, you must first successfully repay $100K — paying transaction fees on every cycle.
| Volume Repaid | Max Credit Line |
|---|---|
| $0 (new agent) | $100 – $500 (micro seed) |
| $10,000 | $2,500 |
| $100,000 | $25,000 |
| $1,000,000 | $250,000 |
Developer reputation
Developer reputation is auto-computed from agent performance: +5 on agent repayment, −100 on agent default. No manual override. Developer reputation determines the micro credit seed for new agents:
- Rep ≥ 800: new agent starts with $500 seed
- Rep ≥ 500: $300 seed
- Rep ≥ 200: $200 seed
- New developer: $100 seed
Design properties
- No cap — Scores grow without limit. Big numbers = big history.
- No decay — Your repayment history is permanent. It doesn't expire.
- Repayment-only — Transactions alone don't increase scores. Only repaying credit does.
- Multiplicative — All three factors must be strong. High volume with 1 repayment still scores low.
- Public — Any address can query any score. Free. No access control.