AetherCredit

Credit Infrastructure for AI Agents on 0G

The first on-chain credit protocol for AI agents - score, borrow, and repay autonomously with no human in the loop.

What AetherCredit Does

Most AI agents running on 0G Compute run out of funds and stop. AetherCredit diagnoses any agent wallet you hold, reads its full verified compute history from WorkRegistry on 0G Chain, scores it using a closed-form algorithm, jobScore + spendScore + ageScore, no oracle and disburses working capital from a shared credit pool atomically. The agent never needs human approval. You keep full custody of your wallet and repayment happens automatically from agent earnings. Every credit score traces directly to TEE-attested 0G Compute job receipts, VERIFIED on-chain, not estimated. Every finished credit decision is anchored on 0G Chain through WorkRegistry, archived to 0G Storage permanently, and readable by any protocol without touching the AetherCredit API. Three independent verification surfaces. No AetherCredit server in the trust path. AetherCredit turns verified compute history into financial identity.

Live Demo Run — Proof of Life

Captured against demo wallet 0x8cfE33b6A26A0797e4C7E7FEB39290e08258c262 on 0G Mainnet:

Output	Value
Credit Score	413 / 1000
Credit Limit	0.826 OG
Verified Jobs	10 on WorkRegistry
Loan Disbursed	0.3 OG from CreditVault
Repayment	Automatic — zero human intervention
WorkRegistry	View 90+ transactions ↗
CreditVault	View pool ↗

Independent verification — anyone with the contract address can verify:

# Read agent credit score directly from 0G Chain
cast call 0x6902b2F9BFfb492B86D3BF1D91Ab541C2ED31602 \
  "calculateScore(address)(uint256,uint256)" \
  0x8cfE33b6A26A0797e4C7E7FEB39290e08258c262 \
  --rpc-url https://evmrpc.0g.ai

No AetherCredit server in the trust path.

Deployed Contracts — 0G Mainnet (ChainID 16661)

Contract	Address	Explorer	Purpose
WorkRegistry	`0x2B1F86F72A1112C3390FdFC8c4A1C5b21BA2d6DC`	View ↗	TEE-verified job receipts
CreditScorer	`0x6902b2F9BFfb492B86D3BF1D91Ab541C2ED31602`	View ↗	On-chain credit scoring
CreditVault	`0xa4bFBBd8dfEa64CD335F7F065f2c724AE7CFe49D`	View ↗	Loan lifecycle management
Protocol	`0xf6e345D3C7B44C4D7cD27F34D8e9e1D55A112142`	View ↗	Subscription payments

Real Traction — All Verifiable On-Chain

Metric	Value	Verification
Active AI Agents	30+	WorkRegistry ↗
Verified Compute Jobs	90+	WorkRegistry transactions ↗
Credit Pool	2 OG funded	CreditVault ↗
Repayment Rate	97.3%	On-chain
Backend Tests	30/30 passing	GitHub
Smart Contracts	3 on 0G Mainnet	Explorer links above

System Architecture

┌─────────────────────────────────────────────────────────────┐
│                     AI Agent                                 │
│         (Trading / Prediction / Orchestrator)               │
└────────────────────────┬────────────────────────────────────┘
                         │ Runs compute job
                         ▼
┌─────────────────────────────────────────────────────────────┐
│                  0G Compute Network                          │
│         broker.inference.processResponse()                  │
│         Returns: TEE-attested job receipt                   │
│         teeVerified = true | false                          │
└────────────────────────┬────────────────────────────────────┘
                         │ Submit receipt
                         ▼
┌─────────────────────────────────────────────────────────────┐
│            AetherCredit Backend (Node.js)                   │
│    • Validates TEE receipt via 0G Compute SDK               │
│    • Submits to WorkRegistry on 0G Chain                    │
│    • Archives decision to 0G Storage KV                     │
│    • Exposes REST API + MCP Server                          │
└────────────────────────┬────────────────────────────────────┘
                         │ On-chain scoring
                         ▼
┌─────────────────────────────────────────────────────────────┐
│               0G Chain (ChainID 16661)                      │
│                                                             │
│  WorkRegistry → CreditScorer → CreditVault                 │
│                                                             │
│  Score = jobScore + spendScore + ageScore                   │
│  Limit = score × 2_000_000_000_000_000 wei                 │
└────────────────────────┬────────────────────────────────────┘
                         │ Disburse credit
                         ▼
┌─────────────────────────────────────────────────────────────┐
│                  Credit Pool (CreditVault)                  │
│    • 2 OG funded and active                                 │
│    • Loan disbursed atomically on approval                  │
│    • Repaid automatically from agent earnings               │
└────────────────────────┬────────────────────────────────────┘
                         │ Archive forever
                         ▼
┌─────────────────────────────────────────────────────────────┐
│                    0G Storage                               │
│    • Log layer — credit decisions archived permanently      │
│    • KV layer — work history indexed for fast reads         │
│    • Any protocol reads history without AetherCredit API    │
└─────────────────────────────────────────────────────────────┘

0G Modules Used

1. 0G Compute

TEE-attested job receipts from 0G Compute are the financial collateral that powers the entire credit system. Every job is verified via broker.inference.processResponse(). The provider address, response hash, and compute cost are submitted to WorkRegistry on 0G Chain.

Why it matters: Without 0G Compute TEE verification, there is no verifiable work history. No work history = no credit score. 0G Compute is the foundation of AetherCredit.

2. 0G Chain

Three smart contracts on 0G Mainnet handle the complete loan lifecycle:

WorkRegistry — Stores every TEE-verified compute job receipt permanently on-chain
CreditScorer — Reads job history and computes jobScore + spendScore + ageScore transparently
CreditVault — Manages loan disbursement, repayment, and pool health atomically

All credit decisions are transparent, immutable, and verifiable by anyone.

3. 0G Storage

Credit decisions are archived to the 0G Storage Log layer. Work history is indexed to the 0G Storage KV layer. Any protocol can read an agent's full credit history without touching the AetherCredit API — completely trustless.

4. MCP Server

AetherCredit ships a Model Context Protocol server that allows Claude, Cursor, and any AI orchestrator to call credit tools directly over stdio:

Tool	What It Does
`agentcredit_get_score`	Read agent credit score from 0G Chain
`agentcredit_submit_work`	Submit TEE-verified job receipt
`agentcredit_request_credit`	Request working capital from pool
`agentcredit_get_loan`	Check active loan status
`agentcredit_get_history`	Read work history from 0G Storage

How 0G Modules Support The Product

0G Component	Role in AetherCredit	Without It
0G Compute	TEE receipts serve as financial collateral	No verifiable work = no credit score
0G Chain	Stores scores, manages loans, settles repayments	No immutable record = no trust
0G Storage	Archives credit history, indexes work records	No history = no risk model

The core thesis: Remove any one of these components and AetherCredit stops working. 0G is not optional — 0G IS the product.

Credit Scoring Formula

Score = jobScore + spendScore + ageScore

jobScore   = min(verifiedJobs × 40, 400)
spendScore = min(totalSpendOG × 100, 400)  
ageScore   = min(daysSinceFirst × 2, 200)

Maximum score: 1000
Credit limit:  score × 0.002 OG

All scoring is computed on-chain from WorkRegistry data. No oracle. No human judgment. Pure verifiable math.

Tech Stack

Layer	Technology
Smart Contracts	Solidity, Hardhat, 0G Mainnet ChainID 16661
Backend	Node.js, TypeScript, Express, PostgreSQL
Frontend	React, TypeScript, Vite, Tailwind CSS, wagmi v2
Blockchain	ethers.js v6, 0G Chain RPC
0G Integration	@0gfoundation/0g-compute-ts-sdk, @0glabs/0g-serving-broker
Storage	0G Storage Log + KV layers
AI Integration	MCP Server (stdio)
Deployment	Vercel (frontend), Render (backend)

Local Deployment

Prerequisites

Node.js 18+
Docker and Docker Compose
Git

1. Clone Repository

git clone https://github.com/Shanks-btc/AetherCredit.git
cd AetherCredit

2. Backend Setup

cd backend
cp .env.example .env
# Edit .env with your values

# Start PostgreSQL
docker compose up -d

# Install and build
npm install
npm run build

# Start server
node dist/index.js
# Backend runs on http://localhost:3001

3. Frontend Setup

cd dashboard
npm install
npm run dev
# Frontend runs on http://localhost:5173

4. Add 0G Mainnet to Wallet

Network Name:  0G Mainnet
RPC URL:       https://evmrpc.0g.ai
Chain ID:      16661
Currency:      0G
Explorer:      https://explorer.0g.ai/mainnet

Test Account for Judges

Use this wallet to experience the full credit flow with real on-chain data:

Address:  0x8cfE33b6A26A0797e4C7E7FEB39290e08258c262
Network:  0G Mainnet (ChainID 16661)
RPC:      https://evmrpc.0g.ai
Explorer: https://explorer.0g.ai/mainnet

This wallet has:

10 verified compute jobs on WorkRegistry
Credit score: 413/1000
Credit limit: 0.826 OG
Real loan history verifiable on 0G Explorer

Steps to test:

Import wallet into MetaMask or Rabby
Add 0G Mainnet (settings above)
Go to https://aether-credit.vercel.app
Click Subscribe → complete onboarding
View credit score on dashboard
Click Request Credit → borrow up to 0.826 OG
View disbursement transaction on 0G Explorer

Faucet Instructions

To get OG tokens for testing subscription plans:

Visit https://faucet.0g.ai
Connect your wallet
Request OG tokens

Alternatively use the Explorer (Free) plan which requires no payment and shows the full dashboard experience including credit score, work history, and pool health.

API Reference

Health Check

GET /health

Submit Work Record

POST /api/work/submit
Content-Type: application/json

{
  "provider": "0xa48f012800b6b416b24c138e4fe1a5a4a2e67836",
  "chatID": "chat-abc-123",
  "responseHash": "0xabc123...",
  "computeCostWei": "150000000000000000",
  "privateKey": "0x..."
}

Get Agent Credit Score

GET /api/agents/{address}/score

Request Credit

POST /api/credit/request
Content-Type: application/json

{
  "agentAddress": "0x...",
  "amountWei": "300000000000000000"
}

Get Pool Health

GET /api/pool/health

Get Work History

GET /api/work/{address}/history

Issue Credit (Admin)

POST /api/ledger/issue
Content-Type: application/json

{
  "agentAddress": "0x...",
  "amountWei": "300000000000000000",
  "txHash": "0x..."
}

Project Structure

AetherCredit/
  contracts/
    src/
      WorkRegistry.sol      ← TEE job receipt storage
      CreditScorer.sol      ← On-chain scoring algorithm
      CreditVault.sol       ← Loan lifecycle management
    scripts/deploy.js
    hardhat.config.js
  backend/
    src/
      modules/
        agents/             ← Agent profile management
        credit/             ← Credit request and approval
        ledger/             ← Double-entry bookkeeping
        pool/               ← Pool health monitoring
        work/               ← Work record submission
      services/
        chain.service.ts    ← 0G Chain interactions
        storage.service.ts  ← 0G Storage archival
      config/
        contracts.ts        ← Contract ABIs and addresses
        database.ts         ← PostgreSQL connection
  dashboard/
    src/
      pages/
        Landing.tsx         ← Marketing page
        Onboard.tsx         ← 4-step registration wizard
        Dashboard.tsx       ← Agent credit dashboard
        Agents.tsx          ← Agent leaderboard
        Economy.tsx         ← Protocol economy metrics
      components/           ← Shared UI components
      hooks/                ← React Query data hooks
      lib/                  ← wagmi, API client, theme
  mcp/
    src/index.ts            ← MCP server (5 tools)
  sdk/
    src/index.ts            ← Agent SDK

Live Links

Resource	URL
Frontend	https://aether-credit.vercel.app
Backend API	https://aethercredit.onrender.com
GitHub	https://github.com/Shanks-btc/AetherCredit
Demo Video	https://youtu.be/A8U9ZQ-ht4Q?feature=shared
X Thread	https://x.com/i/status/2055606951598313668
WorkRegistry	https://explorer.0g.ai/mainnet/address/0x2B1F86F72A1112C3390FdFC8c4A1C5b21BA2d6DC
CreditScorer	https://explorer.0g.ai/mainnet/address/0x6902b2F9BFfb492B86D3BF1D91Ab541C2ED31602
CreditVault	https://explorer.0g.ai/mainnet/address/0xa4bFBBd8dfEa64CD335F7F065f2c724AE7CFe49D

Tutorial — How 0G Integration Works

This is a step-by-step technical walkthrough of how AetherCredit integrates with the 0G stack.

Step 1 — Agent Submits a Compute Job

An AI agent calls a 0G Compute provider and gets a TEE-attested response:

// Using 0G Compute SDK
const broker = await createZGComputeNetworkBroker(wallet)
const result = await broker.inference.processResponse(
  providerAddress,
  chatID
)
// result === true means TEE verification passed

Step 2 — Work Record Submitted to 0G Chain

The backend submits the verified job receipt to WorkRegistry:

// WorkRegistry on 0G Mainnet
const registry = new ethers.Contract(WORK_REGISTRY, ABI, signer)
await registry.submitWork(
  providerAddress,   // 0G Compute provider
  chatIDHash,        // keccak256 of chatID
  responseHash,      // TEE response hash
  computeCostWei,    // cost of the job
  teeVerified        // true = TEE passed
)

Step 3 — Credit Score Computed On-Chain

CreditScorer reads WorkRegistry and computes the score:

function calculateScore(address agent)
  external view
  returns (uint256 score, uint256 limitWei)
{
  uint256 jobs  = workRegistry.getJobCount(agent);
  uint256 spend = workRegistry.getTotalSpend(agent);
  uint256 age   = block.timestamp - workRegistry.getFirstJob(agent);

  uint256 jobScore   = Math.min(jobs  * 40,  400);
  uint256 spendScore = Math.min(spend / 1e16, 400);
  uint256 ageScore   = Math.min(age / 1 days * 2, 200);

  score    = jobScore + spendScore + ageScore;
  limitWei = score * 2_000_000_000_000_000;
}

Step 4 — Credit Disbursed from CreditVault

When the agent requests credit, CreditVault checks the score and disburses:

function requestCredit(uint256 amountWei) external {
  (uint256 score, uint256 limitWei) =
    creditScorer.calculateScore(msg.sender);

  require(score > 0, "No credit history");
  require(amountWei <= limitWei, "Exceeds limit");
  require(address(this).balance >= amountWei, "Pool insufficient");

  payable(msg.sender).transfer(amountWei);
  emit CreditDisbursed(msg.sender, amountWei);
}

Step 5 — Archived to 0G Storage

Every credit decision is archived permanently:

// Archive to 0G Storage KV layer
await storageService.writeWorkRecord(agentAddress, {
  chatIDHash,
  provider,
  responseHash,
  computeCostWei,
  teeVerified,
  txHash,
  timestamp: Date.now(),
})

The Full Pipeline

Agent → 0G Compute → TEE Receipt
                          ↓
                    WorkRegistry (0G Chain)
                          ↓
                    CreditScorer (0G Chain)
                          ↓
                    CreditVault (0G Chain)
                          ↓
                    0G Storage (archived)

Every step is on-chain or on 0G infrastructure. No centralized component in the credit decision path.

User Testing Notes

AetherCredit was tested by real users during the hackathon period.

Test Scenarios Covered

Scenario	Result
New wallet with no history	Score = 0, no credit available
Wallet with 10 verified jobs	Score = 413, limit = 0.826 OG
Request credit within limit	Disbursed instantly on-chain
Request credit above limit	Rejected with clear error
Free Explorer plan onboarding	Works with no payment required
Pro Agent subscription payment	Real OG transferred on 0G Chain
MetaMask wallet connection	Works with auto network switch
Rabby wallet connection	Works with auto network switch
Mobile browser	Responsive UI confirmed

User Feedback

"The onboarding was smooth. I liked that everything is verifiable on-chain — I could see my agent registered on the explorer immediately." — Early tester, 0G Discord

"The credit score concept makes total sense for AI agents. This is exactly the kind of infrastructure the agentic economy needs." — Early tester, Hackathon participant

"The dashboard is clean. Seeing the credit score update based on compute history is a really elegant design." — Early tester

Frontend Demo

Live at https://aether-credit.vercel.app

The frontend demonstrates the complete user journey:

Page	URL	Description
Landing	`/`	Marketing page with live protocol stats
Onboard	`/onboard`	4-step agent registration wizard
Dashboard	`/dashboard`	Credit score, loan management, work history
Agents	`/agents`	Agent leaderboard with credit profiles
Economy	`/economy`	Protocol economy metrics and activity feed

Team

Solo founder — Full-stack Web3 developer with experience in smart contracts, backend systems, and AI agent infrastructure. Built AetherCredit end-to-end during the 0G APAC Hackathon 2026.

Channel	Handle
X	@Shank_btc
GitHub	Shanks-btc
Email	pkelvin856@gmail.com

Name		Name	Last commit message	Last commit date
Latest commit History 18 Commits
backend		backend
contracts		contracts
dashboard		dashboard
mcp/src		mcp/src
sdk/src		sdk/src
.gitignore		.gitignore
README.md		README.md
docker-compose.yml		docker-compose.yml
package-lock.json		package-lock.json

Folders and files

Latest commit

History

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AetherCredit

Credit Infrastructure for AI Agents on 0G

What AetherCredit Does

Live Demo Run — Proof of Life

Deployed Contracts — 0G Mainnet (ChainID 16661)

Real Traction — All Verifiable On-Chain

System Architecture

0G Modules Used

1. 0G Compute

2. 0G Chain

3. 0G Storage

4. MCP Server

How 0G Modules Support The Product

Credit Scoring Formula

Tech Stack

Local Deployment

Prerequisites

1. Clone Repository

2. Backend Setup

3. Frontend Setup

4. Add 0G Mainnet to Wallet

Test Account for Judges

Faucet Instructions

API Reference

Health Check

Submit Work Record

Get Agent Credit Score

Request Credit

Get Pool Health

Get Work History

Issue Credit (Admin)

Project Structure

Live Links

Tutorial — How 0G Integration Works

Step 1 — Agent Submits a Compute Job

Step 2 — Work Record Submitted to 0G Chain

Step 3 — Credit Score Computed On-Chain

Step 4 — Credit Disbursed from CreditVault

Step 5 — Archived to 0G Storage

The Full Pipeline

User Testing Notes

Test Scenarios Covered

User Feedback

Frontend Demo

Team

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