Cred-Fi

Pay-fi is an income-backed, under-collateralised credit and onchain account layer for humans and their future AI agents. Instead of requiring overcollateralised loans, Pay-fi looks at a user’s recurring onchain income and cashflow history to offer programmable credit lines that better match how people actually earn.

Users connect their wallet, register stablecoin income sources (payroll, grants, streams, contributions), and Pay-fi computes a dynamic credit limit based on inflows and simple risk rules. Approved users receive a smart account where income lands and expenses can be paid either from balance or credit, with repayments automatically scheduled from future cashflows.

All activity is recorded onchain, and the account is designed to be “agent-ready”: in the future, users can safely let AI co-pilots manage bills, subscriptions, and treasury actions under strict policies (spend limits, categories, whitelisted counterparties). Pay-fi aims to become the core credit + account primitive for onchain workers and the emerging AI agent economy.

Pay-fi is an income-backed, under-collateralised credit and onchain account layer. Users connect a wallet, route stablecoin income, and get a dynamic credit line based on cashflow instead of overcollateralised deposits. Funds land in a smart account that can pay from balance or credit, with repayments scheduled from future inflows. The whole system is built to be “agent-ready”, so in the future AI co-pilots can manage bills, subscriptions, and treasury actions under clear limits and policies on the same rails.

How it’s made * We built Pay-fi as a small EVM dapp on Polygon, with smart contracts handling the user account, income tracking, and credit line logic. Vlayer’s web proof stack (client and server) is used to verify and attest to a user’s income and basic risk signals, which our backend then uses to calculate a safe credit limit before writing it onchain. Yellow is integrated as the liquidity and payment rail we tap into for funding and settling credit usage, so repayments can be routed efficiently while keeping UX simple. The “hacky” part is wiring Vlayer proofs directly into our credit engine and contract calls, so a user can go from “prove income” to “spend from credit” in a single flow.