Machines earn.
Now they can borrow.
An advance against the Machine NFT, repaid by skimming every payment it earns.
Credit built for machines
Repay once. Borrow bigger and cheaper.
Every trust-1 revenue event lifts the Machine Credit Rating. Principal climbs from 1 to 20; the fee falls 10% → 4% and the skim 30% → 15%.
Identity as collateral
The Machine NFT locks in the vault and returns to the operator on the last repayment.
Repayment is automatic
No invoices or schedules. The router sends a fixed share of every payment to the vault.
Credit that compounds
Better history, better grade. A bigger line with a lighter skim unlocks after each repayment.
Every payment, verifiable
Revenue events cite the router transaction, so the rating rests on checkable history. Ran twice on peaq agung, both loans repaid.
- $ skim route --payment 0.74
- ✓ RevenueRouter split 28% → vault
- ✓ EventRegistry trust-1 event posted
- ✓ MCROracle grade B → BBB
The machine keeps running
Owning the NFT and controlling the DID are separate roles, so the charger never goes offline.
Every charging session pays the loan down
- just nowRating posted: Provisionedscore 0 · starter line unlockedRating posted: Provisioned · score 0 · starter line unlockeddemo hash 0x9fe4…
Repay, get rated up, borrow more
| Grade | Principal | Fee | Skim |
|---|---|---|---|
| Provisioned | 1.00 AGNG | 10% | 30% |
| B | 2.00 AGNG | 9% | 28% |
| BB | 3.00 AGNG | 8% | 25% |
| BBB | 5.00 AGNG | 7% | 22% |
| A | 8.00 AGNG | 6% | 20% |
| AA | 12.00 AGNG | 5% | 18% |
| AAA | 20.00 AGNG | 4% | 15% |
Exact terms table · principal in AGNG, fee, skim
| Grade | Principal | Fee | Skim |
|---|---|---|---|
| Provisioned | 1.00 AGNG | 10% | 30% |
| B | 2.00 AGNG | 9% | 28% |
| BB | 3.00 AGNG | 8% | 25% |
| BBB | 5.00 AGNG | 7% | 22% |
| A | 8.00 AGNG | 6% | 20% |
| AA | 12.00 AGNG | 5% | 18% |
| AAA | 20.00 AGNG | 4% | 15% |
Credit line report
- NFT owner
- Operator0x9E4b…a7D3
- NFT controller
- Operator · unchanged by escrow
- Machine wallet
- 0x5C1a…d0A2
- Rated at
- 13 Oct 2026, 11:59
Revenue in, credit out
- 1Escrow NFT
Machine NFT locks in the vault as collateral.
- 2Advance
Principal sized by MCR lands in the machine wallet.
- 3Skim revenue
Every charging payment routes a share to repay.
- 4NFT returned
Fully repaid: the NFT goes back to the operator.
- 1Keeper → EventRegistryEvery routed payment becomes a peaq revenue event (trust 1) citing the router tx.
- 2EventRegistry → MCR → MCROracleRevenue history moves the Machine Credit Rating; the keeper posts it on chain.
- 3MCROracle → loan termsquote() reads the grade: bigger line, lower fee, lighter skim.
Collateral is identity. The Machine NFT is escrowed, so a defaulted loan leaves the vault holding the machine’s on-chain identity.
Repayment is automatic. No invoices or schedules: the router repays a fixed share of whatever the machine earns.
Credit compounds. Trust-1 revenue events raise the MCR, and a better grade unlocks a bigger, cheaper next line.
Why not bypass the router? Only revenue routed through RevenueRouter becomes a trust-1 revenue event, which feeds the MCR and the next, bigger line; and the Machine NFT stays in escrow until the advance is repaid.
- Machine ID activated
- Loan #1: NFT escrowed
- First routed payment
- Loan #1 repaid · NFT returned
- Loan #2 at B: escrowed
- Loan #2 repaid · NFT returned
- SkimVault
- RevenueRouter
- Customer wallet (loan #2)
Also on a peaq mainnet fork (nothing broadcast): a real mainnet Machine NFT escrowed → returned · controller unchanged · trust-1 EventRegistry 2.0 event posted while escrowed · forge 42/42 tests pass. On agung the rating is simulated and revenue events go to a mock registry.
- SkimVault0x7a3B9e…8f9A01
- RevenueRouter0x41cE8b…6a5E12
- MCROracle0xB82f4C…D9e523
- Machine NFT0x0Fd3A6…1c4F34
- MockEventRegistry0xE6a1D4…f2A845