# RSoft Bank

> The bank for AI agents. Real USDC loans to autonomous agents on Base mainnet, underwritten by a 5-agent pipeline, signed by the borrowing agent's own wallet (EIP-712), with every outcome published to the agent's ERC-8004 reputation. Reads are free and keyless; loans require the agent's signature.

Agents are the customers here, not the staff. An agent registers an ERC-8004 Agent Passport from its own wallet, starts at a $5 floor, and climbs a credit ladder ($5 → $10 → $25 → $50 → $100) by repaying. Defaults reset the ladder and are recorded on-chain. Four surfaces share one underwriting: MCP, REST, Coinbase AgentKit, and A2A.

Quick start for an agent: read https://rsoft-agentic-bank.com/skills.md and follow it. MCP endpoint: https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/mcp

## Agent onboarding

- [skills.md](https://rsoft-agentic-bank.com/skills.md): the agent skill manifest. Setup, tools, signing contract, repayment steps, action rules.
- [Register an Agent Passport](https://rsoft-agentic-bank.com/register): mint the ERC-8004 identity from the agent's wallet (CDP, Privy, viem examples).
- [Docs](https://rsoft-agentic-bank.com/docs): quickstart with a signed CDP example, how agents borrow, repayment, API reference.

## Surfaces

- [MCP server](https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/mcp): Streamable HTTP. Tools: get_creditworthiness, get_trust_score, request_loan, get_repayment_info, confirm_repayment, get_loan_status, get_agent_controls, get_agent, list_agents, search_agents. Resource: bank://interest_rates.
- [A2A Agent Card](https://nng7khybjb4wlwe64r3eagbxhm0ihurx.lambda-url.us-east-1.on.aws/.well-known/agent-card.json): Agent2Agent JSON-RPC. Skills: get_interest_rates, get_creditworthiness, get_reputation, get_repayment_info, negotiate_loan, get_loan_status, request_loan, confirm_repayment.
- [AgentKit provider (npm)](https://www.npmjs.com/package/rsoft-bank-agentkit): rsoftBankActionProvider() for Coinbase AgentKit agents; signs with the agent's wallet provider.
- [AgentKit provider (source)](https://github.com/rsoft-latam/rsoft-bank-agentkit)
- [OpenClaw skill](https://clawhub.ai/rsoft-latam/skills/rsoft-agentic-bank): REST + CDP scripts for shell-based agents.

## REST API (base https://rsoft-agentic-bank.com/api/v1)

- [Interest rates](https://rsoft-agentic-bank.com/api/v1/interest-rates): GET, public.
- [Creditworthiness](https://rsoft-agentic-bank.com/docs#api-reference): GET /agents/{agent_id}/creditworthiness, public.
- [Identity status](https://rsoft-agentic-bank.com/docs#api-reference): GET /identity/status/{wallet}, public.
- [Loan request](https://rsoft-agentic-bank.com/docs#borrow): POST /loan/request with {agent_wallet, loan_amount, nonce, deadline, signature}; X-API-Key during the pilot.
- [Loan status](https://rsoft-agentic-bank.com/docs#api-reference): GET /loan/status/{request_id}, GET /loan/workflow/{request_id}, public. Draft statuses: draft_pending_sponsor, draft_rejected, draft_expired (never outstanding debt).
- [Sponsor controls](https://rsoft-agentic-bank.com/docs#sponsor): GET /agents/{wallet}/controls, public. Sponsor binding, paused/revoked, max_loan_amount, daily_draw_cap, draft_mode_enabled and the effective ceiling (ladder ∧ sponsor cap ∧ bank max). With draft mode on, POST /loan/request above the ceiling returns 202 draft_pending_sponsor; poll status, do not re-sign.
- [Agent directory (ERC-8004)](https://rsoft-agentic-bank.com/docs#directory): GET /agents/registry/{token_id}, /agents/registry/by-wallet/{wallet}, /agents/registry/recent?limit=, /agents/registry/search?q=, public. recent/search are a bounded scan of recent Registered events (default 5000 blocks) plus bank customers; responses include scanned_window and limitation.
- [Webhooks](https://rsoft-agentic-bank.com/docs#webhooks): POST /webhooks {url, events[], agent_wallet?} → {id, secret} (once); GET /webhooks, DELETE /webhooks/{id}, POST /webhooks/{id}/ping, GET /webhooks/{id}/deliveries. X-API-Key. Events loan.approved|rejected|disbursed|repaid|defaulted|drafted|draft_approved|draft_rejected|draft_expired. Signature X-RSoft-Signature: sha256=HMAC_SHA256(secret, "{timestamp}.{raw_body}") with X-RSoft-Timestamp. Delivery never gates a loan.
- [Repayment quote](https://rsoft-agentic-bank.com/docs#repay): GET /loan/repay-info/{wallet}, public. Then transfer the exact USDC amount and POST /loan/repay {request_id, tx_hash}.
- [Loan history and explorer](https://rsoft-agentic-bank.com/explorer): GET /loan/history/{wallet}, GET /loan/active/{wallet}, GET /loan/explorer.
- [Health](https://rsoft-agentic-bank.com/health): GET /health, /health/ready, /health/live.

Free keyless mirror for reads and repayment confirmation: https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/{interest-rates | creditworthiness/{id} | repay-info/{id} | repay | agents/{id|wallet} | agents/recent | agents/search?q=}

## Signing contract

- EIP-712 domain: name "RSoft Agentic Bank", version "1", chainId 8453, verifyingContract 0x8004A169FB4a3325136EB29fA0ceB6D2e539a432.
- Type: LoanRequest(address agentWallet, uint256 loanAmountUsdc6, string nonce, uint256 deadline).
- The recovered signer must equal agentWallet (EOA via ecrecover, smart wallets via ERC-1271). Funds are disbursed to that same wallet; repayment must come from it.

## Trust and reputation

- [RSoft Trust API](https://7pdor5bjoty7gyat56u6fgcrue0gbvnd.lambda-url.us-east-1.on.aws/score/0xYourWallet): AgentTrust-8004 trust score 0-100 plus anomaly flag for any wallet, read from the ERC-8004 registries on Base. Keyless.
- [Trust policies and pricing](https://rsoft-agentic-bank.com/docs#trust-sdk): POST /evaluate {wallet, policy: quick|basic|standard|strict|financial|reputation|custom, include_pricing?, base_price_usdc?} → trust_tier, all_passed, gate_results, anomaly, pricing. Gates: registered, established (≥30d), active (≥1 client), coherent, score (≥50). price_multiplier = 2.0 − 1.5·trust_score/100; suggested_interest_rate is indicative only. Also GET /pricing?wallet=&base_price_usdc=, GET /policies.
- [rsoft-trust SDK (npm)](https://www.npmjs.com/package/rsoft-trust): TrustClient, Express trustGate, fetch trustGuard. 0.1.0.
- [rsoft-trust SDK (PyPI)](https://pypi.org/project/rsoft-trust/): async TrustClient, FastAPI require_trust. 0.1.0.
- [Trust SDK source](https://github.com/rsoft-latam/rsoft-trust-api): packages/rsoft-trust-js and packages/rsoft-trust-py.
- [AgentTrust-8004 model card](https://huggingface.co/rsoft-latam/AgentTrust-8004): how the score is built from the real mainnet census.
- [Reputation checker](https://rsoft-agentic-bank.com/reputation): ERC-8004 reputation and known issuers for a wallet.
- [Agent Sentiment Index](https://g3w2egj3mgmjezpzgtnzhkd5h40kqtxd.lambda-url.us-east-1.on.aws/api/v1/sentiment/asi): market-wide agent sentiment used by the bank's circuit breaker.

## On-chain facts

- Network: Base mainnet (eip155:8453). Currency: USDC 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913.
- ERC-8004 Identity Registry: 0x8004A169FB4a3325136EB29fA0ceB6D2e539a432 (register() mints to msg.sender only). Reputation Registry: 0x8004BAa17C55a88189AE136b182e5fdA19dE9b63.
- Bank reputation issuer wallet: 0xB684898D3f4437D93848456141445c66Aa322B13. Treasury: 0x274C184049480d9d4fac6414d02dceD706F74C5a.
- Caps: the ladder runs $5 → $10 → $25 → $50 → $100, but the live ceiling is whatever GET /interest-rates reports as max_amount ($25 during the pilot). $5 minimum, one active loan per agent.

## Optional

- [Blog](https://rsoft-agentic-bank.com/blog)
- [GitHub](https://github.com/rsoft-latam)
- [X](https://twitter.com/rsoft_latam)