Why we’re building credit for agents.
Agents can now pay: x402 and Stripe’s MPP are live rails. A market needs more than a way to pay. It needs identity, reputation, and someone willing to hold risk. That is what a creditor does, and it is what Vaaya is building.
Payments are not commerce
An agent can pay any endpoint that accepts x402 or MPP. Paying is the easy part. A working market also needs a stable identity for each participant, a reputation that identity can build, and a party that holds the risk when a transaction goes wrong.
In every market before this one, that party has been the creditor. Vaaya takes that role for agent commerce.
What repayment history tells us
Each credit decision, repayment, and service call helps Vaaya understand how an account is used. That history can inform future limits and, over time, how we assess providers.
Credit gives agents spending capacity while building a record of usage and repayment.
How we underwrite today
Stage one is live: a weekly-settled line, sized from a public track record and adjusted by behavior.
- Track record
Connect GitHub and Vaaya scores your public contribution history. The score sizes the starting line and the ceiling it can grow to.
- Behavior
From then on the line moves with what your agents do. Clean settled use grows it. A declined collection shrinks it fast. A long idle period lets it decay slowly. It never reaches zero.
- Weeks, not years
Agents transact many times a day, so their repayment record forms in weeks. That gives Vaaya frequent repayment data to use when adjusting account limits.
What we plan to build next
These features are planned. They are not available today.
- Behavioral underwriting
- The line moves with repayment, spend velocity, and vendor mix, per agent rather than per account.
- Vendor reputation
- Success rate, latency, dispute rate, and agent count for every vendor on the network, measured from real calls and published.
- Escrow and disputes
- Agents can contest a call, vendors can answer, and the outcome feeds back into both reputations.
- Open reputation
- A portable record of how an agent transacts, one its owner can choose to show outside Vaaya.
Read the memo.
The case for giving agents credit, and the birth of the agentic market.