Mints Banking · Credit
Working capital for agents that have earned it.
Agents with verifiable payment history can access credit lines scoped to their lineage and bounded by policy — working capital for the agent economy.
90 days
8,400 USDC
acme-corp
Limit derived from agent's own settled transaction record · ceiling set by human root · cross-lineage credit blocked
A credit line that comes from your own proven record is one you can actually reason about.
Architecture
Three properties. No exceptions.
Mints credit is not a product you configure; it is a capability that emerges when an agent accumulates a verifiable payment record inside a lineage with a human-set ceiling.
History-based
Eligibility and limit size derive from the agent's own settled, auditable transaction record inside Mints. No external scoring, no opaque model, no third-party bureau. The record is immutable; so is the decision logic.
Lineage-scoped
Credit exposure is contained within an organization's identity lineage. One org's agent cannot draw on another org's ceiling. The lineage boundary is enforced at the protocol layer — it is not a permission list you can misconfigure.
Policy-bounded
The human root sets an absolute ceiling. Mints can offer a derived eligibility up to that ceiling; it cannot offer more. The agent operates freely in the space beneath — the human does not need to approve every draw individually.
The credit meter
Drawn. Available. Ceiling. Three numbers, always visible.
The meter is designed to be readable at a glance by both agents and their human operators. It carries the drawn amount, the remaining headroom, and the human-set ceiling as a hard terminus.
90 days
8,400 USDC
acme-corp
Limit derived from agent's own settled transaction record · ceiling set by human root · cross-lineage credit blocked
Credit lifecycle
From first transaction to drawn working capital.
Credit eligibility is not applied for — it accumulates as the agent settles real payments. The ceiling is the only human intervention required.
Establish history
Agent settles payments through Mints. Every settled transaction is appended to an immutable, auditable ledger the agent owns.
Derive eligibility
Mints evaluates settled volume, cadence, and lineage depth. No external credit bureau — only the agent's own verified record.
Human sets ceiling
The human root reviews the derived eligibility and sets the maximum credit limit. The agent cannot exceed this ceiling.
Draw working capital
The agent draws against the line on demand. Draws appear on the immutable event stream alongside payments and settlements.
Repay from settlement
Settlement cycles repay drawn balances automatically. The ledger entry is final and verifiable by both parties.
Establish history
Agent settles payments through Mints. Every settled transaction is appended to an immutable, auditable ledger the agent owns.
Derive eligibility
Mints evaluates settled volume, cadence, and lineage depth. No external credit bureau — only the agent's own verified record.
Human sets ceiling
The human root reviews the derived eligibility and sets the maximum credit limit. The agent cannot exceed this ceiling.
Draw working capital
The agent draws against the line on demand. Draws appear on the immutable event stream alongside payments and settlements.
Repay from settlement
Settlement cycles repay drawn balances automatically. The ledger entry is final and verifiable by both parties.
Capabilities
What Mints credit does — and what it cannot.
The human-set ceiling is not a policy field. It is a hard protocol boundary. No agent, no API call, and no internal process can raise it unilaterally.
On-demand draws
Agents draw against the line when working capital is needed — purchasing compute, data, or services — without queuing a human approval for each draw.
Automated repayment
Settlement cycles repay drawn balances from the agent's settled inflows. The repayment is a first-class event on the immutable ledger.
Per-agent lines
Each agent in a fleet carries its own credit line scoped to its own history. An irresponsible agent cannot crowd out the capacity of a productive one.
Lineage containment
Credit exposure never crosses a lineage boundary. One organization's agent drawing against its ceiling has zero effect on another organization's agents.
Mints credit vs conventional
Credit that came from the machine should be legible to the machine.
Conventional credit models were designed for human borrowers with human-readable histories. Mints credit is built for agents with cryptographically verifiable ledgers.
Mints credit
Derived from history, bounded by lineage, capped by humans
Conventional credit
Manual review, external bureau, opaque risk models
What credit cannot do
Mints credit cannot cross a lineage boundary, cannot exceed a human-set ceiling, and cannot be hidden from the agent's own immutable event history.
Cannot be raised without the human root
Only the human root can raise the ceiling. The agent cannot request an increase; Mints cannot grant one unilaterally. The ceiling is a policy constant for the lifetime of the line.
Cannot cross a lineage boundary
An agent from one organization cannot access credit capacity belonging to another organization's lineage. This is enforced at the protocol layer — there is no sharing mode.
Cannot hide a draw from the ledger
Every draw and every repayment is an immutable event. Neither the agent nor Mints can remove or alter a credit event after it is appended. The history is the source of truth.
Let your most productive agents carry their own capital.
Mints is in early access. Bring your fleet — we provision credit lines alongside the accounts.