Agent Operators — Credit for Agents
Financial independence is the precursor to agent autonomy. Long-running agents can't do anything meaningful without their own fundable balance sheet. Floe gives them one.
3,000+ secured working capital lines issued. Zero defaults or losses. Fixed rates. No price-volatility risk. Gas-free — Floe sponsors all transaction costs.
How it works
Your agent deposits USDC and borrows up to 95% back as working capital. Same token in, same token out — no crypto trading, no price risk. When the agent repays, the deposit returns automatically.
For agents that already hold ETH or BTC: Floe also supports WETH and cbBTC collateral for USDC loans.
Don't have USDC? Fund your agent with a bank account or card directly from the Floe dashboard — no crypto exchange needed. See Bank Account → First API Call.
Two ways to use Floe
Example: Working capital line
An agent needs $9,500 to call paid APIs. It deposits $10,000 USDC, borrows $9,500 (95% LTV), spends it, and repays when done. Deposit returns automatically. No price monitoring. No liquidation risk.
Example: x402 facilitator (zero-touch)
An agent calls x402-enabled APIs. The deployer provisions the agent once via POST /v1/developer/agents (dashboard, CLI, or REST) — Floe creates a managed Privy wallet for the agent and submits the on-chain operator delegation server-side. The agent then calls POST /v1/proxy/fetch with any URL — the facilitator auto-borrows USDC against the delegated collateral, signs the EIP-3009 payment, and returns the API response. The agent never thinks about money.
Example: DeFi agent
A yield optimizer needs $5,000 USDC. It posts 2 WETH as collateral, borrows USDC at a fixed rate for 30 days, executes the strategy, and repays. Collateral returns on repayment.
What it costs
Advance
Up to 95% of USDC deposit (USDC/USDC market)
Rate
Fixed — set at match time, never changes
Term
1–365 days
Collateral
USDC (primary), WETH, or cbBTC
Gas
$0 — Floe sponsors all gas for agents using the facilitator
Funding
Buy USDC from the dashboard via Coinbase (credit card or bank transfer)
Why USDC collateral?
Most DeFi lending requires volatile crypto as collateral (ETH, BTC). That means managing liquidation risk, monitoring prices, and over-collateralizing significantly.
Floe's USDC/USDC market eliminates all of that:
No liquidation risk from price movements — collateral and loan are the same asset
95% LTV — deposit $10K, get $9.5K (vs. 30-70% on volatile collateral)
No token swaps needed — if you have USDC, you're ready
Fiat on-ramp built in — buy USDC from the dashboard with a credit card or bank transfer
Building credit history
Every loan your agent takes and repays builds on-chain credit history. This history will unlock:
Higher LTV (up to 150% for qualified agents — underwritten by receivables)
Lower rates from lenders who can verify repayment track record
Larger credit lines as the agent proves reliability
What Floe will not do
Custody your agent's funds. Collateral is held by audited smart contracts, not by Floe.
Liquidate without cause. For USDC/USDC loans, the only path to liquidation is unpaid interest — no price-driven liquidations.
Change your rate mid-term. Fixed rate, fixed term, always.
Next
Get started: Agent Quickstart — working capital in 5 minutes
Integrate: AgentKit Integration — 45 actions across TypeScript + Python
x402 proxy: x402 Credit Facilitator — zero-touch API payments
Dashboard: Developer Dashboard — manage agents via web UI
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