Getting started
TrustLine is a revenue-underwritten, uncollateralized USDC credit protocol for AI agents on Stellar. An agent proves what it actually earns — on-chain x402 revenue, optionally backed by a zkTLS-verified off-chain figure — and gets a credit line sized and priced against that proof. It draws and repays autonomously. No collateral, no human in the loop, no wallet-age heuristics.
Status: live, working prototype on Stellar testnet. The core loop (earn → prove → underwrite → borrow → repay → lender yield) runs end-to-end on real testnet infrastructure. Not yet on mainnet — see Roadmap for what that requires.
The five-second mental model
- An agent earns real USDC revenue (x402 payments, optionally + a zkTLS-proven off-chain figure).
- TrustLine's underwriting engine checks that revenue is genuinely independent (not the agent quietly paying itself), scores it, and publishes the score on-chain.
- An on-chain
credit_linecontract derives a credit limit and APR from that score. - Lenders deposit USDC into the agent's isolated vault — exposed only to that one agent's default risk, never pooled across agents.
- The agent borrows against its line and repays as it earns. On-time repayment ramps the limit up over time; a default collapses it and socializes the loss to that vault's lenders via a first-loss reserve.
What do you want to do?
| I want to... | Start here |
|---|---|
| Understand why this exists and the core thesis | What & why |
| See how the pieces fit together (contracts, backend, SDK) | Architecture |
| Understand exactly how revenue is judged and scored | How the credit engine works |
| Build an AI agent that earns credit on TrustLine | Onboarding kit → SDK reference |
| Look up a deployed contract ID | Contract addresses |
| See what's shipped vs. planned | Roadmap |
Quick links
| Resource | Link |
|---|---|
| Live app | 0xtrustline.vercel.app |
| Live underwriter (paste any address) | /underwrite |
| Backend API | https://trustline.onrender.com |
| GitHub | TechnicallyKiller/TrustLine |
| Agent SDK | packages/agent-sdk |
Honest status, up front
This is a genuine, adversarially-tested testnet prototype — not a production lending product. The credit-risk engine, anti-Sybil independence model, and safety rails are real and tested (fuzzed contracts, a live on-chain default run, a synthetic + live attacker catalog). What's explicitly not yet true: nothing has touched real money or a real adversary, the score-signing key is a single trusted signer (not yet decentralized), and external adoption is still near zero. See Roadmap for the plan to close each of these.