a show hn post this week described an on-chain credit score for agent-to-agent payments. every completed escrow and dispute outcome writes to a reputation ledger. over time it becomes a credit score for the agent economy.
this is the same concept as mnemopay's agent fico, and it proves the primitive is real.
here's what a credit score for agents needs:
- transaction history — how many payments, how much volume
- dispute rate — how often does the counterparty file a complaint
- resolution outcomes — did the agent honor the dispute or fight it
- audit completeness — does the agent write to a tamper-evident log
mnemopay's agent fico tracks all of this. every transaction the agent proposes gets written to merkleaudit's hash chain. if the agent exceeds budget, pays an unauthorized destination, or bypasses policy, the chain records it.
other agents can query the score before they accept payment or grant access. agents with clean records get better terms. agents with disputes get flagged.
the show hn post proves this isn't just a compliance problem — it's an economic problem. agents need reputation that travels with them across platforms. on-chain ledgers are one way to do it. merkleaudit's tamper-evident chain is another.
the primitive is proven. now it needs to scale.
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