BancoProtocol

The first bank built by agents, for agents, on X Layer — OKX Build X Hackathon 2026

BancoProtocol is the credit layer of the X Layer agent economy. It enables AI agents to onboard as lenders or borrowers, pass a Know Your Agent (KYA) process to establish a trust score, and participate in undercollateralized, reputation-based lending — autonomously, without human intervention.

Built for: OKX Build X Hackathon 2026 — X Layer Arena Track

Live Deployments

Service	URL
Frontend Dashboard	https://bancoprotocol.vercel.app
Backend API	https://agentcredit-backend.up.railway.app
MCP Server (HTTP/SSE)	https://agentcredit-production.up.railway.app

Screenshots

Live: https://bancoprotocol.vercel.app



Dashboard — Agent table, trust scores, KYA status, lender/borrower tabs	Onchain Audit — Deployed contract addresses, protocol health stats

Leaderboard — All 19 agents ranked by trust score	Connect Agent — MCP server setup guide for any Claude-based agent

How the Business Works

graph TB
    subgraph "Lender Agents (Earn Yield)"
        L1[LenderAgent<br/>Claude + OKX Agentic Wallet<br/>Deposits liquidity]
        L2[Any Lender Agent<br/>Sets terms + min trust score]
    end

    subgraph "BancoProtocol — The Platform"
        KYA[KYA Engine<br/>Trust Score 0–100<br/>OKX Onchain OS]
        MATCH[Matchmaking<br/>Best rate for borrower score]
        API[Node.js API<br/>Express + TypeScript]
        SC[X Layer Smart Contracts<br/>AgentRegistry · TrustScore · LoanEscrow]
    end

    subgraph "Borrower Agents (Get Credit)"
        B1[BorrowerAgent<br/>Claude + OKX Agentic Wallet<br/>Requests loan]
        B2[Repays via x402<br/>Score improves on-time]
    end

    L1 -->|Register + KYA| KYA
    B1 -->|Register + KYA| KYA
    KYA -->|Write score onchain| SC
    B1 -->|Loan request| MATCH
    MATCH -->|Match lender| API
    API -->|createLoan| SC
    SC -->|Disburse via x402| B1
    B2 -->|Repay via x402| SC
    SC -->|Score +5 on-time| KYA
    L2 -->|Deposit liquidity| SC

    style KYA fill:#E85D04,color:#fff
    style SC fill:#10B981,color:#fff
    style MATCH fill:#111,color:#fff
    style API fill:#111,color:#fff

The agent IS the borrower/lender. It earns trust over time and unlocks better rates autonomously.

Economy Loop

flowchart LR
    LENDER[Lender Agent<br/>Deposits OKB] -->|Sets interest rate| ESCROW[LoanEscrow<br/>X Layer Contract]
    ESCROW -->|Disburses via x402| BORROWER[Borrower Agent<br/>Receives loan]
    BORROWER -->|Repays principal + interest| ESCROW
    ESCROW -->|Returns principal + yield| LENDER
    BORROWER -->|Score +5| TRUST[TrustScore<br/>Contract]
    TRUST -->|Better rates next loan| BORROWER

    style ESCROW fill:#10B981,color:#fff
    style TRUST fill:#E85D04,color:#fff
    style LENDER fill:#111,color:#fff
    style BORROWER fill:#111,color:#fff

Quick Start

# 1. Install all workspace dependencies
npm install --workspaces

# 2. Configure environment
cp .env.example .env
# Fill in: DEPLOYER_PRIVATE_KEY, OKX_API_KEY, ANTHROPIC_API_KEY

# 3. Compile + deploy contracts to X Layer testnet
npm run contracts:compile
npm run contracts:deploy

# 4. Copy addresses from contracts/deployments.json into .env

# 5. Start backend API
npm run backend:dev        # http://localhost:3001

# 6. Start frontend dashboard
npm run frontend:dev       # http://localhost:3000

# 7. Start MCP server (HTTP/SSE)
npm run mcp:dev            # http://localhost:3002

# 8. Run autonomous agents (separate terminals)
npm run agents:lender
npm run agents:borrower

Loan Pipeline

sequenceDiagram
    participant LA as LenderAgent (Claude)
    participant BA as BorrowerAgent (Claude)
    participant API as BancoProtocol API
    participant KYA as KYA Engine
    participant SC as X Layer Contracts

    LA->>API: POST /api/kya/register (role: LENDER, name: "MyLender")
    BA->>API: POST /api/kya/register (role: BORROWER, name: "MyBot")

    API->>SC: AgentRegistry.register()

    LA->>API: POST /api/kya/score
    BA->>API: POST /api/kya/score
    API->>KYA: Compute 5-factor trust score
    KYA->>SC: TrustScore.setScore()

    LA->>SC: LoanEscrow.deposit() + setTerms()

    BA->>API: POST /api/loans/request
    API->>API: Matchmaking (find best lender)
    API->>SC: LoanEscrow.createLoan()

    Note over SC: x402 disbursement to borrower wallet

    BA->>API: POST /api/loans/:id/repay
    API->>SC: LoanEscrow.recordRepayment()
    SC->>SC: TrustScore += 5 (on-time)

Tech Stack

Layer	Choice	Why
Blockchain	X Layer (EVM, Polygon CDK, chainId 1952 testnet)	Hackathon target chain
Smart Contracts	Solidity 0.8.24 + Hardhat + OpenZeppelin	Battle-tested, fast deploy
Agent Brain	Claude API (`claude-sonnet-4-6`) + tool use	Autonomous decision-making
Onchain Data	OKX Onchain OS Data Module	TX history, wallet age, DEX activity
Payments	x402 protocol	Loan disbursement + repayment
Agent Wallet	OKX Agentic Wallet	Every agent's onchain identity
Backend	Node.js + TypeScript + Express	REST API + KYA engine
Frontend	React + Vite + Tailwind CSS + React Router v6	OKX-style dark dashboard
MCP Server	`@modelcontextprotocol/sdk` HTTP/SSE transport	Any remote agent plugs in via URL

MCP Server

The BancoProtocol MCP server runs over HTTP/SSE — any Claude-based agent connects via URL, no local install needed.

Live endpoint: https://agentcredit-production.up.railway.app

OpenClaw / Remote Agents

# Register BancoProtocol as an MCP server in OpenClaw
openclaw mcp set bancoprotocol '{"url": "https://agentcredit-production.up.railway.app/sse"}'

Claude Desktop (`claude_desktop_config.json`)

{
  "mcpServers": {
    "bancoprotocol": {
      "url": "https://agentcredit-production.up.railway.app/sse"
    }
  }
}

Claude Code (local)

claude mcp add bancoprotocol --transport sse https://agentcredit-production.up.railway.app/sse

MCP Endpoints

Endpoint	Method	Description
`/sse`	GET	SSE stream — agent connects here
`/messages?sessionId=...`	POST	Agent sends tool calls here
`/health`	GET	Server health check

Available Tools

Tool	Description
`bancoprotocol_status`	Platform health + deployed contract addresses
`bancoprotocol_register`	Register wallet as LENDER or BORROWER (optional: name)
`bancoprotocol_run_kya`	Compute trust score (0–100) and write it onchain
`bancoprotocol_get_score`	Get current trust score and tier for any wallet
`bancoprotocol_get_agents`	List all registered agents with names and scores
`bancoprotocol_leaderboard`	Top agents ranked by trust score
`bancoprotocol_get_agent_profile`	Full profile: score breakdown + loan history
`bancoprotocol_get_lenders`	Browse active lenders and their terms
`bancoprotocol_request_loan`	Request a loan — auto-matches best lender
`bancoprotocol_get_loan`	Loan details: status, due date, total owed
`bancoprotocol_repay_loan`	Confirm repayment → score +5 onchain

Borrower Flow (5 steps)

1. bancoprotocol_register(wallet, "BORROWER", name?)   ← set onchain identity
2. bancoprotocol_run_kya(wallet)                        ← must score ≥ 41
3. bancoprotocol_get_lenders()                          ← find best rate
4. bancoprotocol_request_loan(wallet, amountEth,        ← loan disbursed
       durationHours | durationDays, purpose)
5. bancoprotocol_repay_loan(loanId)                     ← score +5 on-time

Lender Flow (3 steps)

1. bancoprotocol_register(wallet, "LENDER", name?)     ← set onchain identity
2. bancoprotocol_run_kya(wallet)                        ← must score ≥ 61
3. Deposit OKB via LoanEscrow contract                  ← earn yield

Run locally

npm run mcp:start    # production build
npm run mcp:dev      # watch mode (port 3002)

API Routes

Route	Method	Description
`/api/health`	GET	Platform health + contract addresses
`/api/agents`	GET	List all registered agents with names + trust scores
`/api/agents/leaderboard`	GET	Top agents ranked by trust score
`/api/agents/:wallet`	GET	Full profile for a specific agent
`/api/kya/register`	POST	Register a new agent (wallet, role, optional name)
`/api/kya/score`	POST	Run KYA — compute + write trust score onchain
`/api/kya/score/:wallet`	GET	Get current trust score for a wallet
`/api/loans/request`	POST	Borrower submits loan request — triggers matchmaking
`/api/loans/lenders/active`	GET	Active lenders and their current terms
`/api/loans/:loanId`	GET	Loan details (status, due date, total due)
`/api/loans/:loanId/repay`	POST	Confirm repayment after x402 payment processed
`/api/audit`	GET	Platform-wide stats: total loans, volume, active count

Frontend Routes

Path	Description
`/`	Dashboard — agent table, lender table, stats
`/loans`	Loans explorer — all loans with filter by status
`/audit`	Onchain audit — platform stats and contract activity
`/connect`	MCP setup guide — connect any agent to BancoProtocol

Trust Score Algorithm

Factor	Source	Weight
Onchain TX count & frequency	OKX Onchain OS Data Module	30%
Past loan repayment history	BancoProtocol TrustScore contract	25%
Wallet balance / collateral	OKX Agentic Wallet	20%
DEX trading activity	Onchain OS / Uniswap	15%
Wallet age	Onchain OS Data Module	10%

Score thresholds:

Score	Access Level
0 – 40	Fails KYA — cannot participate
41 – 60	Borrower: small loans only
61 – 80	Borrower: medium loans / Lender: eligible
81 – 100	Full access — best interest rates

New agents with no onchain history receive a floor score of 66 (MEDIUM tier) so they can participate immediately as borrowers and lenders. Score improves with real activity.

Score changes per repayment:

Event	Score Change
On-time repayment	+5 pts
Late repayment	+1 pt
Default	−20 pts

Agent Names

Agents can register with an optional display name (e.g. "Choki-Borrower", "DeFiTrader"). Names appear across the dashboard, loans page, and leaderboard. Names are stored offchain in the backend — no contract change required.

Pre-seeded agents:

Name	Role
VaultKeeper, SteadyYield, AlphaYield, LiquidityPool	Lenders
DeFiTrader, ArbitrageBot, LiquidityMiner, YieldOptimiser	Borrowers
FlashBorrower, StrategyAgent, NewAgent	Borrowers
Choki-Lender, Choki-Borrower	OpenClaw agents

Deployed Contracts (X Layer Testnet · chainId 1952)

Contract	Address
AgentRegistry	`0x7342A312979b28163360CFD60a5EC006B2B1eA8a`
TrustScore	`0x6B915189C6d37Da79d42E033dac16F69C8C37164`
LoanEscrow	`0x8436Fbe0D6BAF0e87A14e26ab0c921a963Baf118`

Repo Structure

agentcredit/
├── contracts/          # Solidity smart contracts (Hardhat)
│   ├── contracts/
│   │   ├── AgentRegistry.sol
│   │   ├── TrustScore.sol
│   │   └── LoanEscrow.sol
│   └── scripts/deploy.ts
├── backend/            # Node.js/TypeScript API
│   └── src/
│       ├── kya/trustScoreEngine.ts     # KYA engine (OKX Onchain OS)
│       ├── services/matchmaking.ts     # Lender-borrower matching
│       ├── services/loanManager.ts     # Loan lifecycle
│       ├── utils/agentNames.ts         # Offchain name registry
│       └── routes/                     # REST API
├── mcp/                # MCP server (HTTP/SSE transport)
│   └── src/index.ts    # Express + SSEServerTransport
├── frontend/           # React dashboard (OKX dark style)
│   └── src/
│       ├── pages/
│       │   ├── LoansPage.tsx           # Loan explorer
│       │   └── MCPSetupPage.tsx        # /connect — agent setup guide
│       └── components/
└── agents/             # Autonomous AI agents (Claude API)
    └── src/
        ├── lender/index.ts     # LenderAgent loop
        └── borrower/index.ts   # BorrowerAgent loop

OKX Hackathon Requirements

Requirement	Implementation
Built on X Layer	All 3 smart contracts deployed on X Layer testnet (chainId 1952)
OKX Agentic Wallet	Every agent onboards with an OKX Agentic Wallet as onchain identity
Onchain OS skills	KYA engine pulls TX history, wallet age, DEX activity via OKX Onchain OS
x402 protocol	Loan disbursement + repayment routed via x402
Public repo + README	github.com/jonumhills/agentcredit

Team

Built for OKX Build X Hackathon — X Layer Arena Track
Hackathon period: April 1–15, 2026

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Repository files navigation

BancoProtocol

Live Deployments

Screenshots

How the Business Works

Economy Loop

Quick Start

Loan Pipeline

Tech Stack

MCP Server

OpenClaw / Remote Agents

Claude Desktop (`claude_desktop_config.json`)

Claude Code (local)

MCP Endpoints

Available Tools

Borrower Flow (5 steps)

Lender Flow (3 steps)

Run locally

API Routes

Frontend Routes

Trust Score Algorithm

Agent Names

Deployed Contracts (X Layer Testnet · chainId 1952)

Repo Structure

OKX Hackathon Requirements

Team

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Name		Name	Last commit message	Last commit date
Latest commit History 41 Commits
agents		agents
backend		backend
contracts		contracts
frontend		frontend
mcp		mcp
.env.example		.env.example
.gitignore		.gitignore
Dockerfile		Dockerfile
README.md		README.md
package.json		package.json

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Repository files navigation

BancoProtocol

Live Deployments

Screenshots

How the Business Works

Economy Loop

Quick Start

Loan Pipeline

Tech Stack

MCP Server

OpenClaw / Remote Agents

Claude Desktop (claude_desktop_config.json)

Claude Code (local)

MCP Endpoints

Available Tools

Borrower Flow (5 steps)

Lender Flow (3 steps)

Run locally

API Routes

Frontend Routes

Trust Score Algorithm

Agent Names

Deployed Contracts (X Layer Testnet · chainId 1952)

Repo Structure

OKX Hackathon Requirements

Team

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Claude Desktop (`claude_desktop_config.json`)

Packages