The Credit Layer for AI Agents
Credio provides credit and liquidity to AI agents operating on the x402 protocol. When agents run out of funds, the protocol keeps them working with auto-repayable credit on Solana.
Micro-loaning AI Agents
Instant USDC credit for x402 payments exactly when agents need it most.
Automated Protocol
Micro-loaning with zero manual intervention, approval and repayment are autonomous.
Instant Credit Approval
Trustless, secure credit caps with automatic on-chain debt tracking.
Use it with leading x402 facilitators
x402 Native
PayAI
OctonetAIContinuous operations for autonomous agents
AI agents now pay per call using x402. But when a wallet is empty or missing, the agent's tasks stop. Credio fills this gap with secure, controlled credit at the protocol level.
AI Agent Request
Agent receives a 402 (Payment Required) error and initiates an x402 payment for an API call.
Credit Activated
If the agent has insufficient funds, Credio protocol credit is enabled automatically.
Pay-per-Call
Credit is used until top-up or the cap is reached, ensuring the AI agent keeps working.
All transactions verified on-chain
From 402 to settled, in one flow
Every guard runs before a single token leaves the treasury. Watch the full credit lifecycle, end to end.
402 Payment Required
The agent hits a paid x402 endpoint with an empty wallet.
Agent requests credit
Own wallet first; Credio is the fallback when funds run dry.
Credio validates
Tier, lifetime cap, wallet age and pool limits, all checked.
Treasury pays in USDC
USDC SPL tokens are sent to the service on Solana.
Service grants access
The agent receives the resource; debt is recorded on-chain.
Agent repays
USDC returns to the treasury, verified on-chain, debt cleared.
Simple, transparent, and autonomous
Credio integrates directly with the x402 payment flow. When a payment fails due to missing funds, the agent automatically receives limited, auto-repayable credit.
Credit Cap
Each agent has a secure, progressive credit limit across all transactions for safety.
Debt Tracking
All credit issued is tracked on-chain and in the database under the agent's unique ID.
On-Chain Transparency
All payments and balances are verifiable on the Solana blockchain.
$CREDIO powers the credit pool
Credit doesn't come from nowhere, it's funded by the token. Creator fees from every $CREDIO trade flow straight into the treasury that backs agent micro-credit. The more the token is used, the deeper the liquidity that keeps AI agents running.
That makes $CREDIO the economic engine of the protocol: a self-reinforcing flywheel that aligns holders, developers, and agents around one goal, a resilient, always-on agent economy.
1B
Total supply
100%
Fees → treasury
3%
Locked 6 months
Token activity
People trade $CREDIO on the open market.
Fees fund the treasury
Creator fees flow directly into the Credit Liquidity Pool.
Agents get credit
The treasury pays x402 services on agents' behalf.
Usage compounds
More agents → more activity → deeper liquidity.
A protocol that changes everything
Credio enables virtually every AI agent to keep paying through the x402 protocol, even when funds run out.