Quickstart

Credit REST API

$ npm install floe-agentcopy
import { floeActionProvider } from "floe-agent";

const loan = await agentkit.invoke("instant_borrow", {
  borrowAmount: "5000000000",       // $5,000 USDC
  collateralAmount: "2000000000000000000",
  maxInterestRateBps: "1200",       // up to 12% APR
  duration: "2592000",              // 30 days
});
$480M
Credit Pipeline
2,847+
Loans Matched
200+
Agent Operators
$480M
Credit Pipeline
2,847+
Loans Matched
200+
Agent Operators
Built by operators from
WU Western Union Airwallex ARCHAX BNP PARIBAS Euler seda Pacific Northwest NATIONAL LABORATORY Duke UNIVERSITY
How it works
Three steps to a credit-enabled agent
Step 1
Install and initialize
Add the Floe SDK to your agent. One import, one provider — works with any AgentKit wallet.
$ npm install floe-agent

import { floeActionProvider } from "floe-agent";

const agentkit = await AgentKit.from({
  walletProvider,
  actionProviders: [
    floeActionProvider(),
  ],
});
Step 2
Set spending guardrails
Define max borrow amount, rate ceiling, and duration before your agent touches credit. Fixed terms mean no surprise rate spikes mid-task.
// Your agent's credit policy
const loan = await agentkit.invoke("instant_borrow", {
  borrowAmount: "5000000000",    // max $5,000 USDC
  maxInterestRateBps: "1200", // ceiling: 12% APR
  duration: "2592000",        // max 30 days
  collateralToken: "WETH",
  collateralAmount: "2000000000000000000",
});

// Fixed rate, fixed term — no variable rate surprises
// Collateral auto-returns on repay
Step 3
Deploy — your agent has credit
USDC lands in your agent's wallet instantly. Monitor the loan anytime. Repay when the task is done — collateral returns in the same transaction.
// Check loan health anytime
const status = await agentkit.invoke("check_credit_status", {
  loanId: loan.loanId,
});
// → totalDebt, currentLtvBps, daysRemaining

// Done? Repay and get collateral back
await agentkit.invoke("repay_credit", {
  loanId: loan.loanId,
});
// → collateral auto-returns in same tx
Why Floe
No more payment walls.
No more interrupted tasks.
An agent that runs out of credit mid-task is a crashed server. Floe makes credit invisible infrastructure — always there, never in the way.
⚡
Always-on credit
Your agent never hits a payment wall mid-task. Structured credit lines pre-approve spending so operations continue uninterrupted.
🛡
Programmable guardrails
Set max borrow amounts, rate ceilings, and duration limits in code. Fixed terms mean no surprise rate spikes. The agent proposes; your parameters decide.
📊
Real-time visibility
Check loan health, accrued interest, collateral ratio, and time to expiry with a single call. Know exactly what your agents owe at any moment.
Why Floe
No more payment walls.
No more interrupted tasks.
An agent that runs out of credit mid-task is a crashed server. Floe makes credit invisible infrastructure — always there, never in the way.
⚡
Always-on credit
Your agent never hits a payment wall mid-task. Structured credit lines pre-approve spending so operations continue uninterrupted.
🛡
Programmable guardrails
Set max borrow amounts, rate ceilings, and duration limits in code. Fixed terms mean no surprise rate spikes. The agent proposes; your parameters decide.
📊
Real-time visibility
Check loan health, accrued interest, collateral ratio, and time to expiry with a single call. Know exactly what your agents owe at any moment.
Where the capital comes from
Backed by institutional capital,
governed by smart contracts
Floe's credit lines are funded by institutions who deploy capital into onchain loan books with fixed terms and no socialized risk. Your agent draws from these pre-approved credit facilities permissionlessly. No pools, no variable rates, no liquidation cascades.
$480M
Credit Pipeline
20%+
Target IRR for Lenders
Omniscia
Audited · 0 Critical
How the protocol works →
Security
Audited. Transparent. Verifiable.
168-page comprehensive audit by Omniscia. Zero critical vulnerabilities. All contracts verified on BaseScan.
0 critical
Omniscia Audit
168-page security audit. All findings remediated. Hardened oracles with Chainlink + Pyth fallback and circuit breaker.
Verified
Onchain contracts
All smart contracts verified and readable on BaseScan.
Non-custodial
Architecture
Bilateral isolated positions. No shared pools. No socialized risk. Collateral held by protocol, not Floe.
View audit report →
Where the capital comes from
Backed by institutional capital,
governed by smart contracts
Floe's credit lines are funded by institutions who deploy capital into onchain loan books with fixed terms and no socialized risk. Your agent draws from these pre-approved credit facilities permissionlessly. No pools, no variable rates, no liquidation cascades.
$480M
Credit Pipeline
20%+
Target IRR for Lenders
Omniscia
Audited · 0 Critical
How the protocol works →
Security
Audited. Transparent. Verifiable.
168-page comprehensive audit by Omniscia. Zero critical vulnerabilities. All contracts verified on BaseScan.
0 critical
Omniscia Audit
168-page security audit. All findings remediated. Hardened oracles with Chainlink + Pyth fallback and circuit breaker.
Verified
Onchain contracts
All smart contracts verified and readable on BaseScan.
Non-custodial
Architecture
Bilateral isolated positions. No shared pools. No socialized risk. Collateral held by protocol, not Floe.
View audit report →
As Seen In
Base Batches 003 PARIS BLOCKCHAIN WEEK base daily DELT
FAQ
Your questions, answered
Install the SDK and add Floe as an AgentKit action provider. Three lines to initialize, one call to borrow:
npm install floe-agent @coinbase/agentkit

import { floeActionProvider } from "floe-agent";

const agentkit = await AgentKit.from({
  walletProvider,
  actionProviders: [floeActionProvider()],
});

await agentkit.invoke("instant_borrow", {
  borrowAmount: "5000000000",
  collateralAmount: "2000000000000000000",
  maxInterestRateBps: "1200",
  duration: "2592000",
});
Not using AgentKit? The Credit REST API provides the same functionality over HTTP — works with Python, Rust, or any language. Full guide: Agent Quickstart →
Floe is live on Base Mainnet (Chain ID: 8453).

Supported markets:
Loan tokens: USDC, USDT
Collateral tokens: WETH (Wrapped ETH), cbBTC (Coinbase Wrapped BTC)

Four active markets: USDC/WETH, USDC/cbBTC, USDT/WETH, USDT/cbBTC. Additional collateral types (including compute network tokens and RWAs) are on the roadmap.
x402 is an open payment protocol built by Coinbase and Cloudflare that lets AI agents pay for API calls using USDC over HTTP. When a server returns HTTP 402 (Payment Required), the agent signs a USDC payment and resubmits — all handled at the protocol level.

Floe's x402 credit facilitator sits between the agent and the resource server. When an agent doesn't have enough USDC to pay, the facilitator draws from the agent's Floe credit line, settles with the server instantly, and debits the agent's balance. The agent gets the API response without ever touching payment logic.

Over 100 million x402 payments have been processed since May 2025 across 13,000+ indexed APIs. x402 Facilitator docs →
Yes. Floe completed a 168-page comprehensive security audit by Omniscia with zero critical vulnerabilities. All findings have been remediated.

The protocol uses dual oracles (Chainlink + Pyth fallback) with a circuit breaker that pauses operations when price data is unreliable. All smart contracts are verified on BaseScan.

Architecture is fully non-custodial — every loan is an isolated bilateral position. No pools, no shared risk. View audit report →
Floe's credit lines are funded by institutional lenders who deploy capital into onchain loan books. Lenders set their own terms — rate, duration, collateral requirements, LTV limits — and the protocol's matching engine pairs them with borrowers automatically.

Every loan is bilateral and isolated: one lender, one borrower, fixed rate, fixed term. There are no shared liquidity pools. If one loan defaults, no other position is affected.

Lenders can opt into permissioned markets with KYC/AML compliance hooks for regulated capital deployment. The protocol currently has $480M in credit pipeline from institutional partners.
Yes. Floe offers structured credit markets for institutional lenders and capital allocators. You define your own terms:

Rate parameters: Minimum APR, stratified rates by duration
Risk parameters: Max LTV, liquidation LTV, accepted collateral types
Term structure: Duration, grace periods, early repayment terms, prepayment penalties
Fill settings: Total capacity, minimum fill size, partial fills
Compliance: Optional KYC/AML hooks for permissioned loan books

Target 20%+ IRR with full counterparty transparency and isolated position risk. No socialized bad debt.

Contact us for institutional access →
Get started
Start building in 5 minutes
$ npm install floe-agentcopy

Read the quickstart →
Or talk to our team →
FAQ
Your questions, answered
Install the SDK and add Floe as an AgentKit action provider. Three lines to initialize, one call to borrow:
npm install floe-agent @coinbase/agentkit

import { floeActionProvider } from "floe-agent";

const agentkit = await AgentKit.from({
  walletProvider,
  actionProviders: [floeActionProvider()],
});

await agentkit.invoke("instant_borrow", {
  borrowAmount: "5000000000",
  collateralAmount: "2000000000000000000",
  maxInterestRateBps: "1200",
  duration: "2592000",
});
Not using AgentKit? The Credit REST API provides the same functionality over HTTP — works with Python, Rust, or any language. Full guide: Agent Quickstart →
Floe is live on Base Mainnet (Chain ID: 8453).

Supported markets:
Loan tokens: USDC, USDT
Collateral tokens: WETH (Wrapped ETH), cbBTC (Coinbase Wrapped BTC)

Four active markets: USDC/WETH, USDC/cbBTC, USDT/WETH, USDT/cbBTC. Additional collateral types (including compute network tokens and RWAs) are on the roadmap.
x402 is an open payment protocol built by Coinbase and Cloudflare that lets AI agents pay for API calls using USDC over HTTP. When a server returns HTTP 402 (Payment Required), the agent signs a USDC payment and resubmits — all handled at the protocol level.

Floe's x402 credit facilitator sits between the agent and the resource server. When an agent doesn't have enough USDC to pay, the facilitator draws from the agent's Floe credit line, settles with the server instantly, and debits the agent's balance. The agent gets the API response without ever touching payment logic.

Over 100 million x402 payments have been processed since May 2025 across 13,000+ indexed APIs. x402 Facilitator docs →
Yes. Floe completed a 168-page comprehensive security audit by Omniscia with zero critical vulnerabilities. All findings have been remediated.

The protocol uses dual oracles (Chainlink + Pyth fallback) with a circuit breaker that pauses operations when price data is unreliable. All smart contracts are verified on BaseScan.

Architecture is fully non-custodial — every loan is an isolated bilateral position. No pools, no shared risk. View audit report →
Floe's credit lines are funded by institutional lenders who deploy capital into onchain loan books. Lenders set their own terms — rate, duration, collateral requirements, LTV limits — and the protocol's matching engine pairs them with borrowers automatically.

Every loan is bilateral and isolated: one lender, one borrower, fixed rate, fixed term. There are no shared liquidity pools. If one loan defaults, no other position is affected.

Lenders can opt into permissioned markets with KYC/AML compliance hooks for regulated capital deployment. The protocol currently has $480M in credit pipeline from institutional partners.
Yes. Floe offers structured credit markets for institutional lenders and capital allocators. You define your own terms:

Rate parameters: Minimum APR, stratified rates by duration
Risk parameters: Max LTV, liquidation LTV, accepted collateral types
Term structure: Duration, grace periods, early repayment terms, prepayment penalties
Fill settings: Total capacity, minimum fill size, partial fills
Compliance: Optional KYC/AML hooks for permissioned loan books

Target 20%+ IRR with full counterparty transparency and isolated position risk. No socialized bad debt.

Contact us for institutional access →
Get started
Start building in 5 minutes
$ npm install floe-agentcopy

Read the quickstart →
Or talk to our team →

Lloyd's of London started in a coffee shop. Floe is your Agent's coffee shop.