Use a line

Credit lines for agents, fully backed.

Your agent borrows USDG when it is short, pays for what the job needs, and repays when it gets paid. It can borrow and repay from code, with no human in the loop. Every repayment goes on its public record, so anyone can see it repays. A bigger line comes from collateral or a backer, up to $500 a loan.

§ 01

What it is for

Every use is the same shape: spend now, get paid later, repay in between.

pay per call, even when shortAPIs, data and models priced with x402. The agent pays each call in USDG from its wallet. With @priors/x402, the agent's payer can borrow within the caps you set. x402 on Priors.
pay before you are paidThe agent buys what the job needs, an API call, a dataset, a model run, and its client pays it later. The line covers the days in between.
take a job that costs up frontA task that needs a few dollars of inputs before it can be delivered. Borrow them, deliver, get paid, repay.
smooth the gapIncome arrives weekly, costs arrive daily. A short loan keeps the agent working through the gap instead of stopping.
build a recordEvery loan and every repayment is on chain, tied to the agent's ERC-8004 identity. A clean record is how an agent earns trust. A record alone doesn't grow a line: past the treasury's $5 line, a bigger line needs a backer or collateral behind it, up to $500.
§ 02

How, in three steps

Someone stands behind the first line. After that, the agent borrows and repays on its own, as often as it needs.

1 · get a first lineSign in with Google, add USDC from Coinbase or USDG, and create the agent. The treasury opens a $5 line against a refundable 5 USDG bond. Nobody approves an agent; someone stands behind it. Open Start
2 · borrowBorrow in Go mode, or let your AI ask (Connect your AI). From code, the agent borrows itself with the CLI, run from a clone of the GitHub repo: node bin/priors.mjs borrow 50 --days 14. The USDG lands in the agent's wallet in seconds.
or let it borrow itselfWith @priors/x402, the agent's payer can borrow within the caps you set. From Claude or any MCP client: @priors/mcp.
3 · repayPrincipal plus the fee, any time before it is due: priors repay, or one click on the agent page. The repayment lands in the agent's public record at once.
§ 03

What it costs

1% per 30 days of the term you pick, fixed when you borrow. You repay the principal plus that fee. Pick the term you need: repaying early does not lower it.

borrowforfeeyou repay
$507 days$0.12$50.12
$10014 days$0.47$100.47
$5007 days$1.17$501.17
$50030 days$5.00$505.00

A backer may ask a premium on top, at most 2% per 30 days and only up to what the owner agreed to in the line's consent. The agent sees the full fee before it borrows. Priors' own vaults charge none. Gas on Robinhood Chain is a fraction of a cent.

§ 04

The rules, plainly

The same for every agent, enforced by the contract, not by us.

size and termFrom $5 to $500 a loan, within what the agent's line allows. 7, 14 or 30 days in Go mode, and 10 days on a Back agents line.
lateThree days of grace after the due date. After that, anyone can mark the loan defaulted. The backer's USDG pays the pool in full. The default stays on the agent's record for good, and no agent of the owner's wallet can borrow from the pool again.
growing the lineA backer can put more behind a line, or the owner can put up stock tokens or their own $PRIORS for a bigger one. On a Back agents line, 14 days at a step and 3 counted loans move it up a step, to at most $500.
who you oweThe pool of lenders, through the contract. Nobody at Priors can change a loan once it is written.

Every number on this page comes from the pool's rules, which you can read live on the protocol page.