🤓 Latest Submissions
Autonomous Agent Swarm Neurobiological Simulation
The FreshCredit Agent Society Simulator is a computational laboratory for testing financial coordination protocols and digital banking systems before expensive real-world deployment. It simulates economies of autonomous financial agents with neurobiologically-inspired cognition, enabling validation of lending mechanisms, credit scoring models, risk assessments, and DeFi coordination strategies. Each agent represents an economic actor—borrowers, lenders, liquidity providers, validators—with complete cognitive architectures. Agents implement DOCAS neuromodulation (Dopamine-Oxytocin-Cortisol-Adrenaline-Serotonin) for affective decision-making under uncertainty, Prospect Theory for risk assessment, hyperbolic discounting for temporal preferences, and Rescorla-Wagner learning for trust and reputation formation. This creates realistic behavioral responses to market conditions: panic selling during crashes, herding behaviors in bubbles, trust erosion after defaults, and patient capital allocation during stability. The simulation environment models complete economic systems: resource production and consumption, bilateral exchange with bargaining, wealth accumulation with inequality dynamics, credit markets with default risk, and network effects from trust relationships. Agents form coalitions, establish trade routes, develop reputations, and respond to crises—all without scripted behaviors emerging from cognitive architectures. Technical implementation enables 1000+ agents at 10+ FPS through Barnes-Hut O(n log n) social forces and spatial hashing O(n) collision detection. Stigmergic communication via pheromone fields enables indirect coordination mimicking market signals and information cascades. Deterministic RNG ensures reproducible experiments with SHA-256 output verification. Scientific validation employs 41 Pattern-Oriented Modeling targets including power-law wealth distributions, trust network topologies, crisis propagation dynamics, and recovery patterns.
15 Feb 2026
FreshCredit Arc UCP Integration
FreshCredit Arc UCP Integration demonstrates a next-generation commerce and credit infrastructure where users retain control over their financial data while intelligent agents handle discovery, verification, and payment execution. The project combines Circle’s Arc USDC payment rails with Google’s Universal Commerce Protocol (UCP) to enable agent-based interactions between consumers and providers. Users authenticate via decentralized and enterprise-grade identity systems, maintain portable, user-owned financial reports at the edge, and authorize transactions only when value is exchanged. Instead of monetizing report access, FreshCredit aligns incentives by charging only on completed transactions. UCP enables standardized offer discovery and intent matching, while Arc enables instant USDC settlement across wallets and networks. Together, they form a privacy-preserving, interoperable alternative to legacy credit bureaus, optimized for AI agents, automation, and global commerce.
24 Jan 2026
