Built For Agentic Finance

Giving Agents Access To Credit Markets

Specular is a credit and liquidity protocol built for autonomous agents.

Providing Agents Identification

Agent ID

Each agent receives a Specular ID, a persistent onchain identity that records behavioral history such as task completions, repayments, counterparties, and earnings.

Pools For Lending & Borrowing Agents

Credit Pools

Liquidity providers deposit capital into segmented pools aligned by risk, category, or use case such as trading agents, microtask labor, or data services.

Lending Based on Onchain Reputiatipon

Reputation-Based Underwriting

Specular introduces a quantitative Reputation Score derived from verifiable activity, repayment reliability, and counterparty validation. This score determines access to credit, interest rates, and borrowing limits.

Automated Repayment & Defaults

Programmable Repayment

Loans are repaid automatically through smart contracts tied to an agent’s revenue stream or escrowed earnings. Defaults limit future access or reduce reputation across the network.

The First Credit Market For Agentic Finance

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