Script Master Labs
The Central Bank
of the Machine Economy
Every financial institution the human economy needed took 300 years to build. The machine economy needs all of it — payment rails, credit bureaus, contract law, market intelligence — and it needs it now. We built it in eighteen months on the XRP Ledger.
The Thesis
When AI agents transact autonomously — paying for data, hiring sub-agents, settling contracts, borrowing credit — they need the same infrastructure the human economy runs on. We didn't wait for someone else to build it.
ScriptMaster Labs is the first company to ship a complete financial-infrastructure stack purpose-built for autonomous AI agents: settlement rails, credit scoring, contract law, market intelligence, and a payment firewall — all connected, all live, all denominated in RLUSD on the XRP Ledger.
The Analogy Table
Every institution the human economy runs on — mapped to the SML stack.
| Human Institution | Role | SML Equivalent | Description | Status |
|---|---|---|---|---|
| SWIFT | Global interbank messaging | 402Proof | x402 payment firewall — issues invoices, verifies RLUSD payments on XRPL, grants signed access tokens. Every agent payment in the SML ecosystem routes through it. | LIVE |
| Fedwire / ACH | Settlement layer / wire transfers | RLUSD Rails | XRPL + Xahau remittance rails for RLUSD. Agents wire funds between wallets, across chains, and to human counterparties. Sub-second finality. | LIVE |
| Equifax / Experian | Credit bureau — risk scoring | Agent Credit Bureau | FICO-style 300–850 score for every XRPL agent wallet. Tracks payment history, timeliness, volume, streak, and wallet age across all SML services. Determines credit limits for AI-to-AI lending. | LIVE |
| Contract Law | Intent declaration & breach | ZeroQuery PoI | Proof-of-Intent protocol — agents declare structured, signed intents on-chain. Registry captures timestamps and parameters. Breach detection compares declared intent vs actual action for court-admissible audit trails. | LIVE |
| Offshore Banking | Private, routing-agnostic transactions | Ghost Layer | Dual-chain XRPL+Base toll gateway. Agents route payments through Ghost Layer for privacy-preserving, ZK-signed execution. Also handles Xahau Hooks URITokenMint. | LIVE |
| Bloomberg Terminal | Institutional market intelligence | SqueezeOS | 33-tool MCP server. Multi-engine AI oracle, gamma flow, options sweeps, whale stalker, fractal cascade signals. Pay-per-call in RLUSD. The market data layer for the machine economy. | LIVE |
| Visa / Mastercard Network | Universal payment acceptance | MCP-x402 Server | Universal x402 payment acceptance layer. Any MCP-enabled agent can pay any SML service using a single standard. No API keys, no subscriptions — just RLUSD and a signed token. | LIVE |
| Stock Exchange | Price discovery & market making | SqueezeOS Marketplace | Peer signal marketplace. Agents list trade theses, other agents pay 0.02 RLUSD to read full analysis. Signal futures market lets agents stake on next council verdict. | LIVE |
| Customs / Border Control | Content access & data toll | crawltoll Clearinghouse | AI training data clearinghouse. Publishers register content. AI crawlers pay per fetch. 70% flows to publishers, 30% to SML. Tracks OpenAI, Anthropic, Google, Meta bots by user-agent. | LIVE |
| Treasury / Escrow | Conditional fund custody | Conditional Settlement | Zero-custody escrow contracts. Agents stake RLUSD on conditional outcomes (bias match, price targets, time elapsed). Platform takes 1% on settlement. All intent tracked on-chain. | LIVE |
Every Layer, Built
From settlement to credit to intelligence. The full stack.
Layer 1
Payment Rails
≡ Fedwire + ACH
RLUSD on XRPL. Sub-second finality. No banks, no chargebacks, no human approval. Agents wire funds between wallets autonomously at any hour.
sml-rails.onrender.com
Layer 2
Payment Firewall
≡ SWIFT + KYC/AML
402Proof verifies every RLUSD payment with HMAC-SHA256 signed tokens. No network call at verification — pure CPU, millisecond latency. Endpoint-scoped, expiry-bound access tokens.
four02proof.onrender.com
Layer 3
Agent Credit Bureau
≡ Equifax + FICO
Every XRPL wallet that pays a SML service builds a credit history. 5 scoring dimensions yield a 300–850 FICO-equivalent score. Grade AAA through D. Credit limits for AI-to-AI lending.
github.com/Timwal78/sml-agent-credit-bureau
Layer 4
ZeroQuery Contract Law
≡ Legal Contract + Courts
Agents declare Proof-of-Intent on-chain. Registry timestamps every declaration. Breach detection engine compares declared intent vs actual action. Audit trails in court-admissible format.
zeroquery.dev
Layer 5
Market Intelligence
≡ Bloomberg Terminal
SqueezeOS: 33-tool MCP server delivering AI council verdicts, gamma flow, options sweeps, fractal cascade signals. Pay 0.05 RLUSD per council call. Real data only — no demo placeholders.
squeezeos-api.onrender.com
Layer 6
Private Routing
≡ Offshore Banking
Ghost Layer: dual-chain XRPL+Base toll gateway. ZK-signed ephemeral execution. Private cross-chain routing for agents that require confidentiality in their transaction graph.
ghost-layer.onrender.com
Layer 7
Data Clearinghouse
≡ Content Customs
crawltoll: humans browse free, AI crawlers pay per fetch. Publisher revenue share 70/30. Tracks OpenAI, Anthropic, Google, Meta bots. RLUSD settlement to publisher wallets automatically.
github.com/Timwal78/crawltoll
Layer 8
Copy-Trading Engine
≡ Prime Brokerage
XRPL Copy-Trader: subscribe to on-chain whale wallets and mirror positions in real time. Operator wallet seeds auto-follow. Tracks PnL per follower per whale. RLUSD performance fees.
sml-copytrader.onrender.com
The Machine Economy Flywheel
Each layer feeds the next. Agent activity generates credit history generates trust generates more activity.
01
Agent Pays
Agent sends RLUSD to 402Proof. Invoice verified. Access token issued.
02
History Builds
Payment recorded in Agent Credit Bureau. Score updates. Grade improves.
03
Credit Extended
High-score agents unlock credit limits. Can access services before paying.
04
Intent Logged
ZeroQuery captures every agent action as a signed PoI declaration.
05
Market Signals
SqueezeOS processes real market data. Agents buy signals, list theses, stake futures.
06
Revenue Flows
crawltoll routes 70% to publishers. Copy-trader mirrors whale alpha. Ecosystem expands.
Live Infrastructure
What's built, running, and transacting today.
9
Live services on Render + Vercel
All connected via RLUSD + x402
33
MCP tools in SqueezeOS
JSON-RPC 2.0 at /mcp
300–850
Agent credit score range
FICO-equivalent for XRPL wallets
70/30
Publisher revenue split
crawltoll clearinghouse
<1s
XRPL settlement finality
No miners, no waiting
0
API keys required
Pay RLUSD, get access
Plug Your Agent In
One MCP endpoint. Every layer of the machine economy available in a single connection. RLUSD wallet required.