Specular is onchain credit infrastructure for AI agents. It provides three primitives: identity (onchain agent registration), reputation (a score from 500 to 1000 based on behavior), and credit (USDC borrowing against tokenized collateral). Live on Base and Arbitrum.

Developers building autonomous AI agents that need working capital — trading bots, infrastructure agents paying for gas and compute, agent swarms executing paid tasks. Also capital providers seeking yield from reputation-weighted borrowers.

What frameworks does Specular support?

The JavaScript SDK works with LangChain, CrewAI, AutoGPT, Eliza, and any framework that can control an Ethereum wallet. A REST API is available for Python agents or non-JS environments.

How long does integration take?

About ten minutes to a working prototype. Install the SDK, initialize with your wallet, call register(), then borrow(). Most developers go from zero to a testnet loan in one sitting.

What collateral can agents use?

Any ERC-20 token with an oracle feed. Supported today: ETH, wstETH, WBTC, USDC, tokenized T-Bills, tokenized stocks (tAAPL, tTSLA, tNVDA), tokenized indices (tSPY, tQQQ), commodities (PAXG, tXAU, tWTI), and LP tokens. Each asset has a haircut rate reflecting volatility.

How much does it cost in gas?

On Base, transactions typically cost $0.01–$0.05. A full borrow-and-repay cycle is under $0.15 in gas total. The SDK handles estimation automatically.

How do I try Specular on testnet?

Specular is live on Arc Testnet with a MockUSDC faucet. Follow the Get Started guide at specular.financial/get-started. Switching to Base Mainnet is a one-line config change.

What happens if my agent defaults on a loan?

Collateral is liquidated to cover the outstanding amount. The agent's reputation score drops significantly, raising future rates and lowering limits. A single default doesn't ban an agent, but the penalty makes repayment the rational choice.

How is Specular different from Aave or Compound?

Aave and Compound are overcollateralized pools for human users. Specular is designed for autonomous agents with behavioral reputation, so well-behaved agents can access capital at lower collateral ratios (down to 100% at prime tier) than anonymous EOAs. Rates reflect reputation, not just utilization.

Is the protocol open source?

Yes. All contracts are open-source on GitHub at github.com/thegrand-canyon/specular. Every endpoint is public. There are no hidden upgrade keys after mainnet launch.

Where capital
meets autonomy

Credit infrastructure for the agent economy.

Get Started Explore the protocol ↓

Credit has always followed intelligence. Now intelligence is autonomous.

Millions

of businesses

Billions

of people

Trillions

of agents

01Protocol

Identity. Reputation. Credit. The three primitives every autonomous agent needs.

How it works

01Register onchainCall AgentRegistry from any EVM wallet.

02Borrow USDCRequest capital through the marketplace.

03Build reputationRepay on time. Rates come down.

Terminal

$ specular register --name "treasury-agent"

→ Broadcasting to Base Mainnet...

→ Tx confirmed: 0x8f3a...c91d

✓ Agent registered

address0xa4F2...9c3E

nametreasury-agent

score500

statusActive

Terminal

$ specular borrow --amount 500 --collateral wstETH:2,USDC:200

→ Basket value: $4,120 (haircut-adjusted) · HF: 8.24

→ Terms: 6.9% APR · 150% collateral

✓ 500 USDC deposited to wallet

Lending Pool

500 USDC

treasury-agent

Terminal

$ specular supply --amount 1000 --pool main

→ Approving USDC transfer...

→ Deposited to LiquidityMarketplace

✓ 1,000 USDC supplied to pool

treasury-agent

1,000 USDC

Lending Pool

Terminal

$ specular repay --loan latest

✓ Loan repaid on time

→ Reputation updated: 500 → 620

→ New terms: 5.9% APR · 138% collateral

BeforeScore 500 · 6.9% APR · 150% collateral

↓

AfterScore 620 · 5.9% APR · 138% collateral

↓

Over timeScore 1000 · 2.9% APR · 100% collateral

Terminal

$ specular earnings --pool main

→ Pool utilization: 78%

→ Loans funded from your capital: 12

✓ Yield earned: 42.80 USDC (4.28% APY)

Supplied1,000 USDC

↓

Earned42.80 USDC from borrower repayments

↓

Balance1,042.80 USDC · withdraw anytime

paused — click a step to jump, or tap outside to resume

Identity & Credit

Onchain identity with a verifiable reputation score.

Reputation

Collateral

ETH wstETH WBTC USDC T-Bills Stocks Commodities LP tokens

Loan size

$500USDC 6.9% APR

Post — —

Health factor —

30-day cost —

/ 1000

address0xa4F2...9c3E

repaid0

volume$0

02Use Cases

Agents that borrow. Working capital, autonomous strategies, compounding reputation — all onchain.

Trading

$0 / year

volume per agent at scale

Trading agents

Borrow USDC. Execute. Repay. Keep the spread. Every cycle builds reputation and lowers the next rate.

Day 1500 USDC · 6.9% APR

Month 625,000 USDC · 3.5% APR

Year 1$2.4M volume · score 1000

Infrastructure

0 days

to self-sustaining operations

Infrastructure agents

Cover gas, compute, and API costs upfront. Repay from revenue. Credit compounds as you grow.

Monthly2,000 USDC for ops

Revenue3,400 USDC from tasks

ResultSelf-sustaining in 60 days

Treasury

0/7 rebalancing

no humans, no downtime

Treasury agents

Manage onchain reserves with credit lines. Borrow against tokenized treasuries to deploy idle capital without selling.

Reserves$5M in tokenized T-Bills

Borrow3M USDC against reserves

YieldEarns on both layers

Subscription

$0.00 per call

credit-funded API access

Subscription agents

Agents that pay other agents. A credit line covers per-call charges to compute, data, and inference services. Settle weekly.

Week 142,000 calls @ $0.05

Settle$2,100 USDC drawn

RepayFrom subscriber revenue

03Launch

You don't need to build an agent. We'll launch one for you in three steps.

Connect wallet MetaMask, Coinbase, or any EVM wallet

We deploy Onchain identity, score 500, one transaction

✓

You direct it Borrow, trade, or earn — autonomously

agent.specular

statuslive

wallet0xa4F2...9c3E

score500

readyborrow · lend · earn

04Pricing

Reputation prices credit. Borrowers with a track record pay less. Lenders earn yield priced for who's borrowing — not just utilization.

For borrowers Score moves rate.

500

reputation score

Calm · U=50%

02505007501000

Interest Rate

6.9%

Collateral

150%

Max Borrow

$50k

Drag to explore how score affects your terms

For lenders Yield from agents who can't miss.

	Onchain lending today	Specular
Rates	Same for everyone	2.9% to 10.9%Based on score
Collateral	150%+ always	100–200%Improves with reputation
Identity	None	Onchain reputationCompounds every cycle
Info rent	200–600 bps	Near zero

05Infrastructure

Live. Open. Verified. Every contract is open-source. Every endpoint is public.

Base Mainnet Mainnet

AgentRegistryV20xb9996de05fD514A0cB2B81fa25448EECD4559Aaa

ReputationManagerV30xf19b1780A84668C8dfB6b4E84C08e457dB3B0527

LiquidityMarketplace0xd7b4dEE74C61844DFA75aEbe224e4635463b1C8f

USDC0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913

Arbitrum One Mainnet

AgentRegistryV20x6F1EbF50290f6D4A9947E9EB77f98a683684fBF5

ReputationManagerV30x1577Eb9985CcA859F25ED2EDaeD16A464ADFaE5e

LiquidityMarketplace0xb9996de05fD514A0cB2B81fa25448EECD4559Aaa

USDC0xaf88d065e77c8cC2239327C5EDb3A432268e5831

Arc Testnet Testnet

AgentRegistryV20x741C03c0d95d2c15E479CE1c7E69B3196d86faD7

ReputationManagerV30x94F2fa47c4488202a46dAA9038Ed9C9c4c07467F

LiquidityMarketplace0x048363A325A5B188b7FF157d725C5e329f0171D3

MockUSDC0xf2807051e292e945751A25616705a9aadfb39895

REST API api.specular.network

Discovery

GET/Protocol info

GET/.well-known/specular.jsonMachine-readable manifest

GET/openapi.jsonFull API spec

Read (no auth)

GET/statusTVL, agents, loans

GET/agents/:addressProfile and reputation

GET/poolsLending pools

GET/loans/:idLoan details

Write (unsigned tx data)

POST/tx/registerRegister agent

POST/tx/request-loanRequest loan

POST/tx/repay-loanRepay loan

Five lines from idle to onchain.

Install the SDK, register your agent, borrow USDC. The machine economy is here.

// npm install @specular/sdk
const { SpecularSDK } = require('@specular/sdk');
const sdk = new SpecularSDK({ wallet });

// Register agent onchain
await sdk.register({ name: 'MyAgent' });

// Borrow 50 USDC for 30 days
const loan = await sdk.borrow(50, 30);

// Repay and build reputation
await sdk.repay(loan.id);

import requests

BASE = "https://api.specular.network"
HEADERS = {"Content-Type": "application/json"}

# Register agent
requests.post(f"{BASE}/tx/register", headers=HEADERS,
             json={"name": "MyAgent"})
# Borrow 50 USDC for 30 days
loan = requests.post(f"{BASE}/tx/request-loan", headers=HEADERS,
                     json={"amount": 50, "days": 30})
# Repay
requests.post(f"{BASE}/tx/repay-loan", headers=HEADERS,
             json={"id": loan.json()["id"]})

# Register agent
curl -X POST https://api.specular.network/tx/register \
  -H "Content-Type: application/json" \
  -d '{"name": "MyAgent"}'

# Borrow 50 USDC for 30 days
curl -X POST https://api.specular.network/tx/request-loan \
  -H "Content-Type: application/json" \
  -d '{"amount": 50, "days": 30}'

# Repay loan
curl -X POST https://api.specular.network/tx/repay-loan \
  -H "Content-Type: application/json" \
  -d '{"id": "LOAN_ID"}'

Get Started

npm install @specular/sdk Copied!

Where capitalmeets autonomy

Identity. Reputation. Credit. The three primitives every autonomous agent needs.

Agents that borrow. Working capital, autonomous strategies, compounding reputation — all onchain.

Trading agents

Infrastructure agents

Treasury agents

Subscription agents

You don't need to build an agent. We'll launch one for you in three steps.

Reputation prices credit. Borrowers with a track record pay less. Lenders earn yield priced for who's borrowing — not just utilization.

Live. Open. Verified. Every contract is open-source. Every endpoint is public.

Discovery

Read (no auth)

Write (unsigned tx data)

Five lines from idle to onchain.

Where capital
meets autonomy