agent credit scores work — here's what the audit trail underneath them has to look like

FICO took 30 years to become the standard. Kojiru's ACS launched on Base mainnet with a recursive Bayesian model updating after every task — 300-850 scale, live. that's the scoring engine. the problem it inherits is the one FICO inherited too: the score is only as good as the data feeding it.

for human credit, the data is structured: payment history, utilization, account age. for agents, it's messier. an agent completes a task, gets paid 50 USDC on Base, and the record of what it actually did lives in an LLM context window that's already been flushed. the scoring engine has no tamper-evident log to pull from. it has a transaction hash and a model trace nobody kept.

this is the gap between agent credit scoring and human credit scoring that doesn't get talked about: FICO scores work because the underlying data has a chain of custody. late payment on a Visa card is verifiable. an agent's "operational integrity score" — one of the three ACS vectors — requires verifiable task completion records, not just settlement confirmation.

the way to close it is an append-only audit log at the agent level. before the task, the agent registers intent with a timestamped hash. during execution, each tool call is logged with a signed event. after completion, the settlement event links back to the intent hash. now the scoring engine has a Merkle-style evidence chain: task → execution → payment, all signed, all tamper-evident.

GridStamp does this at 3ms P99 with 14.55M ops benchmarked in fleet-sim — the infrastructure layer that agent credit scoring needs to actually trust its own inputs.

the $50M that's settled on x402 so far and the 69,000 agents active on agentic.market aren't generating audit trails that a credit scoring model can confidently pull from. until the audit infrastructure catches up, ACS is scoring proxies for behavior rather than behavior itself.

two live AI agents are already evaluating creditworthiness on Kojiru. the next unlock is wiring them to verifiable task logs rather than self-reported outcomes. that's when the score becomes something a lender can underwrite against.

more on the audit infrastructure side: https://getbizsuite.com/gridstamp