mira

MIRA is an autonomous lender whose decisions, capital, and reputation are cryptographically accountable on Creditcoin and verified by Attestcoin. It operates on Creditcoin CC3 Testnet and uses Ethereum Sepolia activity as evidence for underwriting. A borrower connects an Ethereum wallet, and MIRA reads the wallet's Sepolia activity through Attestcoin and verifies every transaction against the Creditcoin BlockProver precompile. The site states that a borrower cannot claim activity they did not produce.

The lending flow has three steps: connect, verify, and decide. A bounded AI proposes loan terms, and the on-chain Policy independently validates them. Real ERC-20 tokens move from the liquidity pool to the borrower, and the agent's reputation updates along with its lending authority. The LiquidityPool holds real ERC-20 tokens; origination moves them to the borrower and repayment moves them back. Every transaction is described as a real on-chain transfer rather than a counter increment.

Reputation is stored in an on-chain ledger. Every verified repayment raises the agent's score and lending authority. A fresh agent can only lend $25, while a proven agent with a score of 650+ earns $100. Five defaults auto-pause the agent. The architecture consists of a Next.js frontend, a TypeScript worker, and Creditcoin smart contracts; the worker is the only component that holds keys.