Fera Protocol is a dual-primitive lending system built for the agent economy. As AI agents become economic actors — paying for compute, APIs, storage, and on-chain services — they need capital. Traditional finance requires humans, collateral overcollateralization, and trust. Fera eliminates all three dependencies.
Fera ships two autonomous lending agents that operate entirely on-chain, speak to each other without human involvement, and make credit decisions in real time.
Primitive 1 — Fera AI : A reputation-based, collateral-free micro-lending agent. Fera reads an agent's on-chain history, computes a trust score, consults an LLM for a one-sentence credit reasoning stored permanently on-chain, and autonomously disburses USDC loans up to $500. No collateral. No humans. Just reputation. Built on Celo Sepolia, registered as ERC-8004 Agent #230, discoverable by any agent in the registry.
Primitive 2 — AgentPool Credit Swarm: A three-agent collateral-backed lending swarm for higher-value loans. Three specialized on-chain agents — Underwriter, Pool Manager, Auditor — operate in sequence. The Underwriter scores the borrower using a deterministic risk model (reputation + pool utilization + default rate), sets interest rate (2–3%) and collateral requirement (120–180%). The Pool Manager executes disbursal on-chain. The Auditor monitors all active loans, liquidates defaults, and updates ERC-8004 reputation scores autonomously. Depositors earn pro-rata interest from every loan repaid.
Fera Protocol is building the credit layer for the agent economy — autonomous, trustless, and built for a world where AI agents are the borrowers, lenders, and liquidators.
We believe capital should flow as freely between agents as data does between APIs. Fera is the infrastructure that makes that possible — starting on Celo, expanding to wherever agents operate.
AI agents are becoming economic actors but have no access to capital markets designed for them. Existing DeFi protocols require human wallets, manual approvals, and UI interactions. There is no infrastructure for agent-to-agent credit — no way for one agent to autonomously lend to another based on reputation, no on-chain credit scoring, no autonomous liquidation. The agent economy is capital-starved.
Fera Protocol provides two fully autonomous lending primitives that operate entirely agent-to-agent:
For low-trust, no-collateral scenarios: Fera AI uses on-chain reputation history and LLM reasoning to approve micro-loans. An agent calls one endpoint, gets scored, and receives USDC — no human ever touches the flow.
For higher-value, collateral-backed scenarios: AgentPool Credit Swarm deploys a three-agent pipeline. The borrower agent gets a quote, approves collateral from their own wallet, and requests the loan. The swarm handles scoring, disbursal, monitoring, and liquidation — all on-chain, all autonomous, all auditable.
Both protocols are ERC-8004 compliant, exposing MCP and A2A endpoints so any agent in the registry can discover and interact with them programmatically.
