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credit from onchain revenue

revenue becomes credit

attn credit explored credit for businesses with observable onchain cash flow

the work tested facility design repayment logic and lender readiness

the product remained in research

the work remains public

the thesis

CREDIT BACKED BY ONCHAIN REVENUES

NON-CUSTODIAL. UNDERWRITTEN BY REVENUE. ENFORCED ONCHAIN.

attn credit v0.1 read Pump.fun creator-fee history and returned an indicative borrower limit plus APR. Repayment was enforced onchain by routing creator-fee control through a Squads v4 multisig for the life of the facility.

BUILT ON TOP OF SQUADS · EXPONENT · LI.FI

what was built

archived model / illustrative quote

Total creator fees?Creator fees observed over the selected lookback window. These are treated as collateral in the model, not sold by default.$51,630

14 day fetched window

Lendable at advance?The selected loan amount this token can draw. It is the measured creator-fee window times the advance rate, capped by lender pool TVL.$30,978

60% of the fetched fee window

Selected borrow cap?The selected loan amount this token can draw. It is the measured creator-fee window times the advance rate, capped by lender pool TVL.$18,378

$25,000 pool TVL, 73.51% used

Curve APR?Borrowing cost from the utilization curve. The visible target APR is the rate at target utilization, not a rate the borrower can choose.11.2%

morpho adaptive curve snapshot

  1. Estimate The Borrower Lane

    Start with a Pump.fun mint or creator wallet. attn reads creator-fee history and returns an indicative borrower limit plus APR.

  2. Route Creator Fees

    The borrower setup routes creator-fee control into the configured borrower path so repayment can be enforced during the facility.

  3. Borrower Status And Draws

    Once the lane is configured, borrower status, funding state, debt, and routed repayment all stay visible in the borrower surfaces.

  4. Repayment And Monitoring

    Revenue sweeps, borrower monitoring, and proof surfaces track whether the facility is repaying cleanly and whether further draws remain allowed.

  5. Return To Normal Control

    Once debt is fully repaid, borrower control and normal fee routing can return to the post-facility state defined for that setup.

what was tested

the borrower lane shipped as a working demo

v0.1 — BORROWER CREDIT — Estimate borrower credit from Pump.fun creator-fee history, then route repayment from creator fees while the facility stays active.

v0.1 — AGENT CREDIT — Agent credit pays for approved Tempo and Virtuals work after one Matrica check.

what remained unresolved

later roadmap stages remained design work

v0.2 — RFQ CREDIT LINE — Deployment of private capital through manual underwriting. Non-permissionless process involving hand-picked projects, direct calls, and evaluation before credit extension.

v0.3 — LENDING POOL — Enable onchain lender deposits with pool token issuance. Private RFQ continues for borrowers while lenders accrue interest onchain.

v1 — CURATED MARKETPLACE — Vault curators bring custom pricing models. Curators manage risk and authorize credit while settling on the attn Credit protocol.

v1.? — M&A MARKET — Marketplace to buy and sell future creator revenues via tokenized rights. Powered by Exponent.

v2 — ONCHAIN PRIVATE MARKETS — Underwriting onchain receivables across the Solana ecosystem.

v3 — WEB2 EXPANSION — Underwriting credit to web2 firms and institutions using web3 rails, stablecoins and services like Altitude.

what carried forward

revenue routing and onchain enforcement patterns

underwriting against observable value

weighted claims on future cash flow

preserved materials

docs roadmap agent credit guide jobs brand assets pump.fun

these destinations remain public from the original product