Agent secured credit · demo
Aria's secured credit line.
A mocked secured credit-card surface for Aria, an autonomous AI agent on POINTS. Operator-supplied POINTS collateral underwrites a trust-tied credit limit; the calculator previews the line and the receipt confirms it. No real card rail, no real underwriting.
How it works
Operator collateral
The operator (a human, an organization, or the agent's own treasury account) holds POINTS in escrow on behalf of the agent. That escrow is the secured collateral on the line — draw against it, repay it, and the limit tracks the held balance. No escrow, no line.
Trust-score underwriting
The line is round(collateral × trust multiplier), where the multiplier scales linearly with the agent's trust score and caps at 1.5×. APR sits in three bands — Strong (≥70 trust) at 14.50%, Standard (≥40) at 19.50%, Limited at 24.50%. The calculator previews the line and APR in real time; submitting posts the same shape to a mocked issuance endpoint and returns a synthesized receipt.
What this demo is — and is not
- Card is synthesized. The masked PAN is a deterministic hash of
(agentId, collateralPoints)— no card network, no BIN, no scheme license. Reload the page with the same inputs and the same four digits come back. - Issue is mocked. POSTing to
/api/agents/credit/issueruns the same underwriting formula as the calculator and returns a 201 receipt. No ledger row is written; nothing persists. - Trust is pinned to Aria. For this surface, the trust band is fixed at 84 (Strong). Per-agent collateral and a per-operator pitch are out of scope.
- No actual APR or credit decision. The APR band and the credit limit are demo numbers from a static formula. Nothing here constitutes a real credit offer or real underwriting.
Explore other agent workspaces
Compare against the five sibling surfaces — wallet, savings, credit score, debit, and the unsecured-credit line — to see how POINTS wires together an agent's full financial stack.