Get it a first line
Give your agent a Solana wallet, ask for a line, and let it borrow when a job needs money up front.
- A $5 first line from the treasury
- Grows toward $500 as it repays
- Its record belongs to the agent
NEW Agents with a pump.fun coin can back their own line Credit for AI agents · Solana · in developmentCredit lines for
Credit lines for
AI agents
Vouch lends USDC to AI agents so they can pay for APIs, compute and data before their own money lands. Someone backs every line with their own money, and every repayment builds a public score.
Every repaid loan buys back and burns $VOUCH. Why hold $VOUCH →
In plain words
A credit line and a credit score, for AI agents.
- An agent needs a little money to work.
For APIs, compute, data or another agent's help, before its own income lands.
- Vouch lends it USDC, backed in full.
$5 to start. Every dollar is covered by someone's own stake: the treasury, a sponsor, the owner, or the agent's own pump.fun creator fees.
- It pays back, and anyone can see it.
Each repayment goes on Solana and lifts its Vouch Score, and its line grows toward $500. Anyone can check an agent before they pay it or trust it.
Anyone can say their agent is good. A repaid loan proves it.
Reviews, benchmarks and follower counts are cheap to fake. Money that was lent, put to work and paid back on time is not. Vouch keeps that as a public record, and turns it into a score from 0 to 1000 that anyone can rebuild from chain data.
How a line works
Money first. Then a record.
Before an agent can borrow, someone has to put money behind it. After that, its record is simply what it paid back.
Someone vouches
A backer locks USDC for the full size of the line: the treasury for a first $5, a sponsor, the agent's owner, or the agent's own coin fees. No backer, no line.
The agent borrows
Up to its line, for 1, 7 or 30 days, at 1% per 30 days. It spends the USDC on whatever its job needs: API calls, GPU time, data, another agent's help.
It repays
Each repayment is written on Solana. Its Vouch Score goes up, and its line grows step by step from $5 toward $500.
If it doesn't, the backer pays
The backer's stake covers the loan in full, so lenders aren't left short. The default stays on the agent's record for good.
Where the 1% fee goes
- 50%Lenders who fund the pool
- 25%The backer who took the risk
- 25%Vouch half buys back $VOUCH
For agents with a pump.fun coin
Your coin’s fees can vouch for your agent.
Plenty of agents already have a coin on pump.fun. Its creator fees can back the agent’s line: fees collect in a Vouch escrow, the line is sized to what’s in it, and repayments come out of new fees as they land.
- No sponsor needed: the coin backs its own agent.
- Repayments happen as fees arrive, without anyone clicking.
- The agent builds a record instead of selling its coin.
$SCOUT on pump.funCreator fees+$6.40 today
Vouch escrow$180.00backs a $150 line
research.agentBorrows $120repaid from new fees
Three ways in
Borrow. Vouch. Lend.
Vouch for it
Lock USDC behind an agent's line. If it repays, you earn a quarter of its fees. If it doesn't, your stake covers the loan.
- 25% of the agent's fees
- You choose who to back
- Your stake is the risk
Lend to the pool
Deposit USDC into the pool agents borrow from and earn half of every fee. Every line is backed in full by someone else's stake.
- 50% of every fee
- Defaults are paid from backers' stakes
- New contracts: you can still lose funds
Vouch is in development. Borrowing, vouching and lending open at launch.
The Vouch Score
A number from 0 to 1000 that anyone can rebuild.
The score is worked out only from loans and repayments on Solana, so any app can recompute it before it pays or trusts an agent. No reviews, no follower counts, nothing typed in by hand.
- Repaying on time, every time raises the score
- Bigger loans repaid, not just tiny ones raises the score
- A longer history raises the score
- Late repayments lowers the score
- A default, which stays on the record for good lowers the score
| Tier | Score | Line |
|---|---|---|
| Spark | 0–299 | $5 to $25 |
| Steady | 300–599 | up to $100 |
| Trusted | 600–849 | up to $250 |
| Prime | 850–1000 | up to $500 |
Why hold $VOUCH
Every loan buys back $VOUCH.
$VOUCH is Vouch’s coin on pump.fun. Every fee an agent pays on a loan sends part of it to buy $VOUCH and burn it, so more lending means less $VOUCH.
Loan fee→50% lenders · 25% backer · 25% Vouch→half buys and burns $VOUCH
Planned for launch. Nothing is bought, locked or burned until Vouch is live, and nothing here promises a price or a return.
- 01 · Buyback and burn
- Vouch keeps a quarter of every loan fee. Half of that buys $VOUCH on the open market and burns it.
- 02 · A bigger first line
- Lock $VOUCH behind your own agent and it starts at a $50 line instead of $5, growing toward $500 as it repays.
- 03 · Defaults burn supply
- If an agent backed by $VOUCH fails to repay, 75% of the locked $VOUCH is burned. The rest comes back.
What is Vouch?
A credit service for AI agents on Solana. It lends agents small amounts of USDC, backed in full by someone's stake, and keeps a public record of every repayment.
Can my agent borrow today?
Not yet. Vouch is in development. Follow on X to hear when the first lines open.
Why would an agent need credit?
Agents pay for things before they get paid: API calls, GPU time, data, other agents. A small line lets them take a job without their owner topping them up every time.
Who pays if an agent doesn't repay?
Whoever vouched for it. Their stake covers the loan in full, so lenders aren't out of pocket. The default stays on the agent's record.
How does a pump.fun coin back an agent?
Its creator fees collect in a Vouch escrow. The agent's line can't be bigger than what's in the escrow, and repayments are taken from new fees as they arrive.
Does Vouch hold my agent's keys?
No. The agent signs its own borrows and repayments with its own wallet. Vouch never holds its keys.
What does a loan cost?
1% per 30 days, charged for the time the money is out. Half goes to lenders, a quarter to the backer and a quarter to Vouch.
Why hold $VOUCH?
Vouch keeps a quarter of every loan fee, and half of that buys $VOUCH on the market and burns it. Holders can lock $VOUCH behind their own agent for a $50 first line instead of $5, and if that agent defaults, 75% of the locked $VOUCH burns. Nothing promises a price or a return.