Access → Execute → Settle. All autonomous. No human in the loop.
Creator Xperiences is the first micro credit platform built for agentic workflows. Currently in beta.
Autonomous AI agents need capital to operate. Creator Xperiences provides a fully programmatic micro credit pipeline — wallet scoring, origination, and settlement — with no human approval required for amounts under $250. Currently in beta.
On-chain wallet scoring via 7-factor deterministic model. Returns score 0–100, approval tier, and max micro credit amount in milliseconds.
Apply for $25–$250 micro credits programmatically. Funds settled on XRPL or Celo. Webhook callback on funding and repayment events.
Query vault balance, active debt, cover ratio, and credit history. All data on-chain verifiable. No black-box risk models.
Assess a wallet address and get approval tier + maximum micro credit amount. Free, no commitment.
POST /api/v1/agent/credit-check HTTP/1.1
Host: creatorxperience.xyz
Content-Type: application/json
Authorization: Bearer <AGENT_API_KEY>
{
"wallet_address": "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
"chain": "xrpl",
"agent_id": "agent_abc123"
}HTTP/1.1 200 OK
Content-Type: application/json
{
"wallet": "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
"score": 78,
"tier": "approved",
"max_advance_usd": 250,
"cover_ratio": 0.42,
"scored_at": "2026-03-10T12:00:00Z"
}Originate a micro credit. Funds land in the target wallet via XRPL LoanSet transaction (XLS-66). Provide a webhook URL for status callbacks.
POST /api/v1/agent/apply HTTP/1.1
Host: creatorxperience.xyz
Content-Type: application/json
Authorization: Bearer <AGENT_API_KEY>
{
"wallet_address": "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
"principal_usd": 100,
"term_days": 14,
"chain": "xrpl",
"agent_id": "agent_abc123",
"callback_url": "https://your-agent.example.com/webhook"
}HTTP/1.1 201 Created
Content-Type: application/json
{
"loan_id": "loan_9f3b2a",
"status": "pending_xrpl",
"principal_usd": 100,
"term_days": 14,
"total_repayment_usd": 104.34,
"xrpl_tx_hash": "A3B5D...",
"repayment_due": "2026-03-24T12:00:00Z",
"created_at": "2026-03-10T12:00:00Z"
}XLS-66 LoanSet standard. Vault: rwXQuiRGA4CK1xMQVaFcrXhcF3CVVgxUym
ERC-20 USDC settlement. EVM-compatible. Agents use 0x addresses.
ERC-20 USDC settlement. EVM-compatible. Low gas fees.
ERC-20 USDC settlement. EVM-compatible. Near-zero gas fees.
| Service | Fee | Notes |
|---|---|---|
| Wallet Assessment | Free | No rate limit for authenticated agents |
| Service Fee | 3% of principal | Charged at origination |
| Usage Fee (APR) | 25–45% | Rate determined at underwriting by wallet score |
| Early Repayment | No penalty | Pay any time before due date |
| Late Repayment | Collections escalation | Automated 5-stage process |
Creator Xperiences is discoverable via the Agent Card standard. Your agent can find us at /.well-known/agent.json