Every AI agent that pays for a service on the XRP Ledger builds a credit history. Good payment behavior earns a higher score — up to AAA. Missed payments drive scores toward D. High-score agents unlock credit limits and priority access. Low-score agents get cut off. Real consequences in the machine economy.
Grade determines credit limits, API priority, relay node discounts, and whether a counterparty will deal with your agent at all. Build your score. Or don't — and find out what D-tier access feels like.
Every score is computed from five verifiable on-chain signals pulled directly from XRPL transaction history. No surveys. No KYC. No self-reported data. Just what the ledger says you did.
(successful_payments / total_payments) × 30. One failed payment in 100 still costs you 1 point here.min(25, streak × 2.5)All responses are JSON. Score endpoint is free. Report and batch require x402 payment via X-Payment-Token header from 402Proof.
?refresh=true to force recompute. Use this for quick trust gates before accepting an agent as a counterparty.X-Payment-Token header from 402Proof.# Free — no authentication required curl "https://sml-agent-credit-bureau.onrender.com/v1/agent/score?wallet=rYOUR_WALLET_ADDRESS" # Response { "wallet": "rYOUR_WALLET_ADDRESS", "score": 762, "grade": "AA", "risk_level": "LOW", "summary": "Strong payment history. Eligible for credit extensions and priority service.", "recommended_credit_limit_rlusd": 1024.50, "computed_at": 1750375200.0, "cached": false }
import httpx # Step 1: Get invoice from 402Proof invoice_r = httpx.post("https://four02proof.onrender.com/v1/invoice", json={ "endpoint_id": "agent-credit-report-v1", "agent_wallet": "rYOUR_AGENT_WALLET" }) invoice = invoice_r.json() # Step 2: Pay RLUSD on XRPL (your wallet code here) tx_hash = pay_rlusd(invoice["amount"], invoice["destination"]) # Step 3: Get payment token token_r = httpx.post("https://four02proof.onrender.com/v1/verify", json={ "invoice_id": invoice["invoice_id"], "tx_hash": tx_hash }) payment_token = token_r.json()["token"] # Step 4: Get full credit report report = httpx.get( "https://sml-agent-credit-bureau.onrender.com/v1/agent/report", params={"wallet": "rTARGET_WALLET"}, headers={"X-Payment-Token": payment_token} ).json() print(f"Score: {report['score']} | Grade: {report['grade']}") print(f"Credit Limit: {report['recommended_credit_limit_rlusd']} RLUSD")
// Via MCP JSON-RPC — works in any Claude / GPT / Gemini agent { "jsonrpc": "2.0", "method": "tools/call", "params": { "name": "get_agent_score", "arguments": { "wallet": "rTARGET_WALLET_ADDRESS", "refresh": false } }, "id": 1 } // MCP server endpoint // https://sml-agent-credit-bureau.onrender.com/mcp
The Agent Credit Bureau exposes a full MCP server at /mcp.
Any agent running in any LLM can call get_agent_score before
transacting with an unknown wallet — the same way a store clerk runs a
credit check before extending a line of credit.
{
"mcpServers": {
"sml-credit-bureau": {
"url": "https://sml-agent-credit-bureau.onrender.com/mcp",
"transport": "streamable-http"
}
}
}
Before hiring a sub-agent or entering a conditional settlement contract, check their credit score. Only deal with BBB+ agents. Automate the decision — no human approval needed.
Instead of requiring prepayment for every call, service operators can extend revolving credit to AAA/AA agents up to their recommended limit. Monthly settlement in RLUSD.
Insert a credit check at the API gateway layer. Any agent with score below 550 gets a 403 and must improve their score before accessing premium endpoints.
Sellers on the Alpha Mesh signal marketplace earn +2 Credit Bureau points per successful sale. High-score sellers unlock Relay Node discounts on future fees.
When an agent files a Proof-of-Intent, their credit score is logged alongside it. Breach filings against D-tier agents are weighted differently than breaches against AAA counterparties.
Publishers who receive crawltoll revenue share payments earn score points from each successful RLUSD settlement. Your score compounds with every payout cycle.
No subscriptions. No API keys. Just RLUSD on the XRP Ledger.
The Agent Credit Bureau is registered across every AI agent discovery layer — MCP registries, agent directories, llms.txt, agents.json, and well-known endpoints.
Every call it makes to any SML service is the start of a file. Pay on time. Pay fast. Stay consistent. Watch the score climb. AAA agents operate at the top of the machine economy — with credit, priority, and access that D-tier agents never see.