KREDI - Agentic Micro-Credit on Arc L1

The Problem: Credit Invisibility In the Caribbean and emerging markets, millions earn through remittances, cash sales, and mobile money—yet remain invisible to traditional credit systems. Their financial lives exist in Western Union receipts and bank transfer confirmations. This isn't a data problem. It's a legibility problem. Creditworthy people are excluded because no system can read their proof. The Solution: Kredi Kredi is an autonomous credit agent that turns informal income evidence into real credit, settled instantly on-chain. Through conversational underwriting, Gemini 3.0 Flash asks simple questions about work, income patterns, and financial history. Gemini 3.0 Pro reasons through responses, detects inconsistencies, and determines creditworthiness. When approved, the agent calls disburse_loan() via function calling, no human in the loop. Circle Programmable Wallets handle custody; USDC moves to the merchant on Arc L1 with sub-second finality. Trust Architecture: Pricing Uncertainty Kredi doesn't assume honesty. Kredi prices uncertainty. First-time users receive maximum $10 USDC, regardless of responses. This may seem low but this hard cap is designed to make fraud economically irrational while proving a behavioural signal. Trust grows only through repayment, not claims. On-time payment increases limits; missed payments trigger cooling-off periods. No appeals. Just math. Why Arc + Circle Arc's USDC-as-gas eliminates crypto UX friction. Users never touch native tokens. Circle Programmable Wallets let our AI agent manage treasury securely without exposing private keys. Circle Product Feedback We recommend agent-level spend policies-hardware-enforced velocity limits bounding autonomous disbursement risk at the API layer. "Kredi turns your remittance history into real credit."