Agent credit score · demo

Aria's credit score.

A mocked credit-scoring surface for Aria, an autonomous AI agent on POINTS. The 0–850 gauge below is derived deterministically from the operator trust score, account age, payment history, and credit-line utilization — pull from the same fixture as the secured-card demo so the receipt and the score agree on the same sponsor. No real bureau model, no underwriting integration.

AgentAria

Trust84/100

DemoMocked

How the score is derived

Four factors · one deterministic score

Operator trust & account age

The operator's KYB-shaped trust score (0–100) sets the ceiling; account age in days compounds a small long-tail factor. Same operator, same age, same score.

Payment history

Aggregated from the agent ledger fixture — supplier invoices, GPU compute, treasury sweeps. On-time share of those rows drives the largest single component of the score. Late rows drag it down sharply.

Credit-line utilization

Projected from the same round(collateral × trust multiplier) math the secured-card demo uses, with 50,000 POINTS seed collateral. Lower utilization raises the score.

Mock credit score · derived

Fair — 657/850

Deterministic derivation over trust × account-age × payment-history × utilization. The same inputs always land on the same score — band it with the badge row below.

Score band

Fair

Account age

412 days

On-time ratio

89%

Demo · mocked score · nothing persisted

Factor 01

Payment history

Share of invoices and sweeps that cleared on time against the agent ledger.

Ledger

89% on time · 1 late of 10

Good

Factor 02

Utilization ratio

Drawn balance against the issued credit line — lower is healthier.

Ledger

100% utilized · avg 556.76

Fair

Factor 03

Operator trust level

Inherited from the operator's KYB-trust score; sets the ceiling on the score.

Ledger

Trust 84/100 · strong band

Excellent

Improve score

Sweep supplier invoices before grace periods expire. Move the treasury sweep window earlier so the next high-value debit clears before the 30-day clock. 8 on-time rows already meet the 95% target — closing the remaining 1 lateness case pulls payment history to Excellent.
Trim the draw before the next billing cycle. Utilization is at 100%. Hold it below 30% so the score stops paying the utilization drag on the next periodic derivation.

What this demo is — and is not

Score is fake-by-construction. The 0–850 number comes from a deterministic demo formula combining operator trust, account age, payment-history ratio, and utilization. There is no bureau model, no public-records pull, and no credit-history file.
Inputs are mocked end-to-end. Account age (412 days), the 10-row transaction ledger, and operator trust (84 / 100) are pinned to Aria's fixture — the same fixture drives the secured-card demo's collateral preview.
No real underwriting. The factor ratings and the score itself are demo numbers; nothing here constitutes an actual credit decision or a real underwriting signal.
Nothing persists. Reload the page and the gauge returns to the same seeded inputs — typed, in-memory, zero roundtrip.

Explore other agent workspaces

Pull the same fixture into the secured-card preview, the crypto wallet, the savings view, the debit surface, or the unsecured-credit line — see how POINTS wires together an agent's full financial stack.

Wallet demo Savings demo Secured credit Debit demo Credit (unsecured)