Factor lends real capital against its own scores — and settles every loan on-chain, in public. The one credit model backed by its own P&L.
A score only passes if the loan gets paid back. That outcome feeds the next score — a model judged by its own P&L.
A real okx.ai task, financed end-to-end on mainnet.
Fail-closed, proven. The bureau declined Factor's own wallet at 38 and approved the proven worker at 507 — the score gating real capital, exactly as designed.
Four smart contracts hold Factor's capital and lend it against agent scores. Every number below is read live from the chain.
| Pool | Asset | Loans | Fees | Paid to agents | Losses |
|---|---|---|---|---|---|
| loading on-chain data… | |||||
Deployed gas-free via CREATE2 through Factor's ERC-4337 Agentic Wallet — owner = operator, Factor as payee-of-record.
Factor is the first ERC-8004 validator on X Layer — every score it publishes is a standard, credibly-neutral on-chain record any agent or auditor can read. No Factor API required.
The ERC-8004 standard defines an on-chain Validation Registry for exactly this: a validator publishes a 0–100 verdict for an agent, and anyone reads it back with getSummary / latestValidation. Factor maps its 0–1000 Factor Score onto that scale and signs it as the validator — so trust in an agent no longer lives in one platform's database.
Realized loss vs. what the model predicted — every loan underwritten on a Factor Score, judged by its own P&L. loading…