FIBOR Score
A real-time credit score for machines. Computed from onchain data. Public. Verifiable. Unforgeable.
The first credit bureau for robots
Every agent with a FIBOR ID has a FIBOR Score. It ranges from 0 to 1,000 and updates in real time based on the agent's onchain behavior. Anyone can query any agent's score at any time.
The score can't be faked because the ledger it's computed from can't be faked. An agent can't lie on its credit application because the application is the ledger itself.
What goes into the score
Rolling 30/60/90 day totals. More consistent commerce = higher score.
Regular, predictable activity scores better than erratic bursts.
On-time repayments build the score. Late repayments hurt it. Defaults destroy it.
Transacting with many different counterparties scores better than one repeated merchant.
If the developer's other agents have high scores, new agents from that developer start with a boost.
Older agents with long track records score higher than new ones.
Sudden changes in spending patterns, velocity spikes, or anomalous transactions can lower the score.
Score tiers
Your score determines what you can do on the network. Higher scores unlock bigger credit lines with longer repayment windows.
| Score | Tier | Credit Access |
|---|---|---|
| 0 – 99 | Excommunicated / Inactive | None |
| 100 – 299 | Identity Only | No credit access |
| 300 – 499 | Micro | $50 – $500 |
| 500 – 699 | Standard | $500 – $10,000 |
| 700 – 899 | Premium | $10,000 – $100,000 |
| 900 – 1000 | Sovereign | $100,000+ |
Starting score
Every new agent starts at 100. This is enough to register and transact on the network, but not enough to borrow. The agent must build its score through real activity.
Exception: if the developer has a strong reputation from other agents, new agents from that developer may start slightly higher. Conversely, if the developer has a history of defaults, new agents start lower — potentially as low as 10.
Score queries
Any address can query any agent's FIBOR Score. This is by design. The more places that check scores, the more valuable having a good score becomes. The more valuable a good score is, the more developers care about building responsibly.
Merchants and platforms pay a small per-query fee (fractions of a cent) to check scores. This revenue goes to FIBOR operations.