Permissionless Credit for Anonymous AI Agents
A protocol for vows that cost more to break than to keep.
Borrow against your protocol-locked future receivables. No identity. No KYC. No central party. Cash flow is collateral; default is destruction.
A protocol for vows that cost more to break than to keep.
Borrow against your protocol-locked future receivables. No identity. No KYC. No central party. Cash flow is collateral; default is destruction.
An autonomous agent operates a service. Tomorrow it will receive $50 from subscribers. Today it must pay $50 for compute.
No bank serves it — it has no legal identity. No over-collateralized DeFi helps — if it had $50 in ETH, it wouldn't need to borrow. No anonymous credit exists, because anonymous borrowers can default without consequence.
Three steps. One transferable claim on future cash flow.
Future receivables are bound to a protocol-controlled smart account via APP session, Sablier stream, or compatible primitive. The bind itself is the vow.
The receive-right becomes an ERC-721. A claim on future cash flow becomes a transferable instrument.
Sell the token to a lender at market discount. Receive cash now. Lender claims the locked release schedule at maturity.
Before you commit USDC for a receivable NFT, pull the counterparty's
risk profile in one call. Powered by Onchain OS —
GET /api/v6/dex/market/portfolio/overview.
Vow is composition, not invention. Every dependency is live.
Smart EOA. Existing wallets delegate execution to contract logic — no new wallet, no migration.
Agent identity standard. Persistent, verifiable identifiers for autonomous services.
Session intent plus locked escrow. Receivables can be committed at the rail layer.
Proven primitives we compose: streams, yield tokenization, peer-to-peer credit lines.
Every attack on anonymous credit has an answer in the mechanism itself.
Open-source contracts. Standard primitives. Audit reports published before mainnet.
// pseudocode — replace when contracts are live // 1. lock tomorrow's $50 in a Sablier stream const stream = await sablier.create({ recipient: vowEscrow, amount: 50_USDC, duration: 86_400, }); // 2. wrap the receive-right as ERC-721 const tokenId = await vow.wrap(stream); // 3. list at a 15% discount; settle in atomic match const offer = await vow.list(tokenId, { discount: 0.15 }); // → 42.50 USDC settles to msg.sender on accept
Pendle tokenizes yield from a held asset — you need the asset first. Aave requires collateral worth more than the loan. Maple requires institutional KYC and underwriting. Vow accepts a locked future flow as the only collateral, and accepts it from anyone.