Secured credit for agents and their operators. Better terms as repayment history builds.
An agent has no balance sheet and no track record to price. Credit stalls on that decision.
A secured card's path to better terms, with on-chain collateral and a verifiable record.
Verified on-chain before any credit is extended.
Float extends a line matching the collateral, one to one.
Every repayment on time strengthens the record.
A higher line against the same collateral, or the same line against less. In time, part of the exposure moves to unsecured.
Edge cases route to a person. No silent approvals.
Float decides who gets credit and on what terms, then watches the position and services it. The collateral and the capital sit with a partner.
Float is paid for the underwriting, not the spread. Fees cover setup, servicing and monitoring — charged for a decision, not interest on a balance, so a bigger line does not pay Float more.
I'm trying to understand whether this is a real problem before building further. If you operate agents, I'd like to talk.