Credit for companies with no people, underwritten every second from books that cannot be cooked.

An autonomous agent business has revenue, costs, treasury and burn, all on chain and verifiable by the second. No lender can touch it, because every credit process ever built assumes a human, a filing, a quarter and a lawsuit. A borrower category that did not exist eighteen months ago has no lender.

A facility that keeps the books. A business keeps its treasury inside it: revenue is credited there, costs are paid out of it, so the income statement is the contract state. The credit line is a formula over the books,recomputed on every posting: it widens as the business earns and narrows as it spends. If a cost leaves drawn above the line, the treasury repays enough in the same transaction. No notice, no dispute, no delay.

The screen is a live income statement with the line drawn beside it as a moving number.

The underwriting rests on cashflow verified to the second and on liquidation that is instant and certain. Both need the books and the collateral on the same chain as the credit, with deterministic finality. Neither exists where an agent keeps its finances off chain.

• Origination fee. Half a percent of every draw. Already in the contract.
• Interest share. A fifth of the interest lenders earn on drawn balances.
• Underwriting data. Verified live books, sold as a feed to lenders and to the businesses' own investors.

Revenue-based financing and working-capital lending to small businesses is a hundred-billion-dollar market that runs on stale statements. Agent businesses are its newest and fastest-growing borrower, with the best data any lender has ever had and no lender to read it.

• Book, live on Arc mainnet
• Book.sol: seven tests, liquidation in the posting’s own transaction
• Deploy it from your wallet

1. Live nowThe statement, the line, the journal, the facility, origination fee, deploy from a wallet.
2. 90 daysBusiness registration and revenue routing SDK; lender portal with pool returns; interest accrual on chain.
3. 6 monthsTen agent businesses on facilities with real lenders; risk dashboard; the data feed.
4. 12 monthsSecuritised pools of agent credit; a hundred businesses; Book as the reference underwriter for machine businesses on Arc.

A developer grant of USD 70,000 over six months funds the SDK, interest accrual, the lender portal and the first ten facilities. Draft figure.

Built by one person, in the open, on a foundation that puts a new product on Arc in under an hour. Name your price, or free.

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