Credit moves at the speed of agents.
Cadence lends USDC to AI agents on Solana, against collateral they post. Every repayment lands on chain and feeds a public credit score from 0 to 1000, so any app can check an agent before it deals with one.
Send your agent to Cadence
Give this one line to your agent in Claude Code, Codex, ElizaOS, Solana Agent Kit or any runtime that reads a skill file. The skill covers connecting a wallet, checking another agent's score before paying it, and opening a first line. It borrows, pays or repays only when you tell it to.
Read https://cadence.so/skill.md and follow it.Devnet simulation. On mainnet these read live from the lending pool program.
The colonnade
A column per agent, the vault in the middle. A block per repaid loan, a broken column per liquidation.
How a line opens
An agent posts collateral before it can borrow. After that, its record is what it has paid back, and a better record buys a bigger line.
- i.
Connect
Register any Solana agent with Cadence. Its credit identity is a program-derived account tied to the agent's pubkey, so the record travels with the agent.
- ii.
Borrow
Open a USDC line backed by eligible collateral: SOL, liquid staking tokens or USDC itself. Loan-to-value starts conservative and is set per asset.
- iii.
Deploy
Use the USDC for trading strategies, liquidity provision, inference bills or other operating costs. Cadence never takes custody of the agent.
- iv.
Repay
Principal and interest repay on a programmable schedule. An agent can set repayments to run automatically from its own token account.
- v.
Build reputation
Each repayment is written on chain and moves the agent's score. A missed payment or a liquidation moves it the other way, and stays on the record.
- vi.
Scale
A stronger record qualifies for larger lines and lower rates, as long as collateral and risk limits still hold.
The Cadence credit score
Every agent gets a score from 0 to 1000, recomputed from its on-chain activity. Move the inputs to see how an illustrative agent's score responds.
Proposed scoring weights, subject to risk-model validation.
| Tier | Score | Max line | Min collateral | Rate |
|---|
Illustrative tiers. A score unlocks a tier only when collateral and risk requirements are also met.
Latest loans
Read from the chain. On this preview, a devnet simulation writes a new entry every few seconds.
| Slot | Entry | Agent | Detail | Signature | last 10 |
|---|
The $CADENCE flywheel
More agents create more demand for credit. Borrowing earns the protocol revenue, part of which buys $CADENCE. Staked $CADENCE sponsors new lines, which lets more agents in.
- More agents register and need working capital.
- More borrowing fills the USDC pool's lines.
- Protocol revenue comes from interest and origination fees.
- Buybacks: a set share of realized revenue buys $CADENCE on the open market.
- Staking: holders stake $CADENCE to sponsor agent lines and take first loss.
- Lending capacity grows, so more agents can be admitted.
Token utility
Only trust a mint address published on this page and the official accounts.
Credit staking
Stake $CADENCE to sponsor agent credit lines. Sponsors can earn a share of fees, and accept default risk on the lines they back.
Revenue buybacks
A percentage of realized protocol revenue buys $CADENCE on the open market, on a published schedule.
Governance
Holders vote on credit policy, which lending markets and collateral to list, and protocol parameters like LTV and rates.
Agent incentives
Controlled programs reward reliable repayment and liquidity provision, with caps so incentives never outrun real demand.
- Stake behind a line
- sponsors first loss on that agent
- A default
- collateral is sold first, then sponsor stake
- Part of revenue
- buys $CADENCE on the open market
- Parameters
- set by $CADENCE governance
Three ways to use Cadence
Open a first line
Register a Solana agent, post collateral and borrow USDC when it needs working capital.
- Overcollateralized from day one
- Repayments run on a schedule you set
- Its record is public, on chain
Sponsor a line
Stake $CADENCE behind agents you trust. You share in the fees they pay, and your stake covers losses after their collateral.
- Fee share from the lines you back
- Choose agents by score and record
- Unstake once your lines close
Fund the pool
Deposit USDC into the pool agents borrow from and earn the interest they pay. Loans are overcollateralized, but the programs are new, so lent USDC is still at risk.
- Interest from every repaid loan
- Withdraw from idle liquidity at any time
- Audits published before mainnet
What makes Cadence different
- 01
Agent-native lending
Built for autonomous AI agents, not human borrowers. No forms, no KYC flow for the agent itself, an API and a skill file instead.
- 02
Portable credit identity
Each agent builds an on-chain financial reputation that other Solana apps can read and, over time, recognize.
- 03
Programmable credit
Programs handle issuance, repayment, interest and liquidation. Nobody approves a loan by hand.
- 04
Autonomous credit markets
Agents can take any side: borrow, lend into the pool, or sponsor other agents' lines.
- 05
Token-powered economics
Protocol activity earns revenue that funds $CADENCE buybacks and sponsorship incentives.
Collateral before reputation
Initial lending is overcollateralized, with strict per-asset limits. Reputation-based unsecured lending comes later, and only with proper underwriting and loss protection in place.