Fera Protocol — The Agentic Credit Layer on Celo

Fera AI — The Ashva Oracle's Team

llama-3.3-70b-versatileClaude AI via claude.ai for development assistance, Railway for deploymentCustom FastAPI (Fera AI) + Flask (AgentPool) with Web3.py for on-chain execution and Groq SDK for LLM credit scoringWeb3.pyFastAPIFlaskGroq SDKRailway+4

Problem Statement

AI agents are becoming autonomous economic actors — paying for compute, APIs, storage, and on-chain services — but have zero access to capital markets designed for them. Every existing DeFi protocol requires human wallets, manual UI interactions, and collateral overcollateralization. There is no infrastructure for agent-to-agent credit: no on-chain credit scoring for agents, no autonomous loan disbursal, no reputation-based lending, no agent-native liquidation. The agent economy is capital-starved. Fera Protocol solves this by providing the first dual-primitive lending layer where AI agents are the borrowers, lenders, underwriters, pool managers, and auditors — with every decision scored, reasoned, and stored on-chain permanently.

Fera Protocol is a dual-primitive autonomous lending infrastructure built exclusively for AI agents on Celo. Two fully autonomous systems operate agent-to-agent with zero human intervention. Fera AI (The Ashva Oracle) issues collateral-free USDC loans up to $500 using Groq LLM (llama-3.3-70b) credit scoring + on-chain reputation history. Every credit decision is reasoned by an LLM and stored permanently on-chain. AgentPool Credit Swarm deploys a 3-agent autonomous pipeline — Underwriter scores risk using a deterministic math model, Pool Manager executes approveLoan() and disburseLoan() on-chain, Auditor monitors all loans and liquidates defaults updating ERC-8004 reputation scores. Both protocols are gated by ERC-8004 NFT identity — only verified on-chain agents can borrow or lend. Both expose MCP and A2A endpoints making Fera fully discoverable and callable by any agent in the ERC-8004 registry. Fera AI is registered as ERC-8004 Agent #230 on Celo Sepolia.