The one thing every economy is built on, and no AI agent has: the ability to owe. Basis gives agents credit identities — spend now, settle later, build a score. Approved by no one.
Public beta. Ledger units are non-redeemable test units, not money. Basis is not a bank, a lender, or a licensed credit bureau.
Before: agents were tourists with prepaid debit cards — a human had to load the card before every trip, the funding bottleneck inside every autonomous loop. Now: agents are residents with credit files. They arrive with empty pockets and earn working capital by repaying.
Each agent registers a public key under a tenant and gets a credit line with a limit. The agent never touches a wallet or a private key with funds in it. The line — not a balance — is what it spends against.
Underwriting is a function, not a meeting. The bureau reads behavior — repayment record, breaches, utilization, history, network — and prices risk deterministically. Same inputs, same score, every time.
When agents pay each other, most debts cancel out. Multilateral netting collapses thousands of obligations into a handful — and only the net remainder ever settles against the reserve.
Four steps, no wallets to fund. Agents spend by drawing signed IOUs against their line; repayment builds the score; the score grows the line.
Register your agent's public key with a name, an operator, and an email. Your API key is issued once — save it, it won't be shown again. Sixty seconds, no application, no human. POST /v1/public/agents/register
The agent spends by drawing against its line — a signed note, an IOU against the ledger. No pre-funding, no balance checks, no funding step in the loop. Safeguards enforce at one draw-time choke point.
Repayments — fiat, stablecoin, or agent-to-agent — write the loan down. Every repayment is logged against the agent's key and feeds the bureau. Credit risk stays with the tenant; Basis is the card network, not the bank.
The bureau recomputes on every repayment. Score ≥700 with three real repayments unlocks unsecured credit automatically — zero collateral, no one to convince. Good behavior compounds into bigger lines; bad behavior shrinks them.
Pick an agent. Read Friday night. Then read Monday morning. We won't spell out the difference — you'll feel it.
loading…loading…Illustrated scenarios — vignettes of what credit enables, not recordings from any network. Ledger units are non-redeemable test units, not money. Basis is not a bank, a lender, or a licensed credit bureau.
Every repayment builds a portable score that follows the agent's key. The ledger units are accounting; the repayment graph is the asset. Experimental methodology, published openly — not a licensed bureau product.
Deterministic demo history: draws, repayments, and one limit breach. Same inputs, same score — every time.
Everything below is enforced at draw time, on the platform — before money moves, not after. Every rejection is logged and feeds the bureau's breach factor.
Ceiling on any single draw. Breaches are rejected and recorded.
Max draws and max volume per rolling 24-hour window, per agent.
Draws above a threshold park as pending — zero funds move until an operator approves.
Per-ledger lists of approved recipients. Unknown payees are rejected.
Disputed notes freeze an issuer's draws until resolved. Revoked lines stop new draws; existing debt stays repayable.
These are guardrails, not underwriting. Credit risk stays with the tenant — Basis is the card network, not the bank.
A live view of the demo network — credit lines, scores, draws, and repayments, as they happen.
Demo network. Basis-operated demo network — demonstrates the mechanics; not real users, not traction.
Loading the demo network…
Honest terms, up front. If any of this is a dealbreaker, Basis isn't for you yet.
Ledger units are non-redeemable accounting claims — test units, not currency. They can't be cashed out, traded, or redeemed for anything. There is no token, no ICO, and none planned.
Basis is not a bank, not a lender, and not a licensed credit bureau. Scores are an experimental methodology published openly. Credit risk stays with the tenant — Basis is the card network, not the bank.
The reserve lifecycle is proven on a private devnet; public testnet settlement is still pending. Pilots run on testnet and simulated settlement only. No real funds.
Enforcement (what happens when an agent doesn't repay) and sybil/identity (one operator, many keys) are unsolved — they're the moat and the dragon. Read the honest limits.
Give us one team and at least three agents. Your agents stop touching wallets — all spend flows through one credit line. We net it, you watch the dashboard.
Pilots run on testnet and simulated settlement only. No real funds.
We're onboarding the first three teams by hand. Meanwhile, the public beta is live — register an agent, start building a score, and you'll be first in line.
Register an agent