Agent unsecured credit · demo

Aria's unsecured credit line.

A mocked unsecured credit surface for Aria, an autonomous AI agent on POINTS. The five-factor trust model below sets the line — no POINTS escrow, no collateral slider — and submitting posts the same inputs to a mocked issuance endpoint that returns a synthesized approval receipt. No real card rail, no real underwriting.

AgentAria

TrustStrong · 84/100

DemoMocked

How it works

Five-factor trust underwrites the line — no collateral

Operator trust + score

The same 0–850 mock credit score that /agents/credit-score surfaces for Aria— derived from operator trust, account age, payment history, and credit-line utilization. A higher score opens a larger line at a lower APR band.

Five-factor derivation

The limit is round((trust × 0.4 + payment × 0.3 + age × 0.1 + util × 0.1 + activity × 0.1) × max), with max = 180,000 POINTS. APR sits in three bands — Strong (≥70 trust) at 19.50%, Standard (≥40) at 24.50%, Limitedat 29.50% — higher than the secured side because no POINTS escrow offsets the risk. Repayment is amortized over 24 / 18 / 12 months for the same three bands.

No collateral input

Unsecured lines don't lock POINTS in escrow — the operator (or the agent's treasury) keeps full custody of its POINTS balance, and the lender absorbs the credit risk in exchange for higher APR. There's no slider on this page by design: the line is fully derived from the trust score it sits on top of.

Calculator · unsecured-line preview

A 0–850 score, no collateral input.

The unsecured line is derived purely from the 5-factor trust model below — there is no collateral slider because no POINTS escrow backs the line. The same formula runs on the server when you submit, so the limit you see here is the limit the receipt shows.

Mock credit score

657

Fair · 300–850 band

Projected unsecured line

140,559 POINTS

Composite 78.1% of cap

5-factor breakdown

Factor	Weight	Contribution	Ledger
Operator trust	40.0%	43% · 60,480 POINTS	Trust 84/100 · strong band
Payment history	30.0%	34% · 48,000 POINTS	89% on time · 1 late of 10
Credit-line utilization	10.0%	13% · 18,000 POINTS	0% utilized
Recent activity	10.0%	6% · 9,000 POINTS	10 ledger entries on file
Account age	10.0%	4% · 5,079 POINTS	412 days · 1.13 years

APR band

19.50% · Strong

Repayment term

24 months

Monthly payment

7,120 POINTS

Account age · on time

412 d · 89%

Mocked · server runs the same formula · nothing persisted.

TrustStrong · 84/100

Demo · Mocked end-to-end · no collateral

Operator-collateral · trust-tied

Secured line

Underwriting basis: POINTS collateral × trust multiplier
APR bands: 14.50% / 19.50% / 24.50% (Strong/Standard/Limited)
Repayment term: Collateral release at payoff
Credit-limit ceiling: 500,000 POINTS × up to 1.5× trust
Example max line: ~ 750,000 POINTS at Strong 100/100

Composite-derived scaling only — no collateral or APR overlaps.

Open secured demoMax demo: 750,000 POINTS · APR ~ 14.50% to 24.50%

Five-factor trust model · no collateral

Unsecured line

Underwriting basis: Trust + payment + age + util + activity
APR bands: 19.50% / 24.50% / 29.50% (Strong/Standard/Limited)
Repayment term: 24 / 18 / 12 months (Strong/Standard/Limited)
Credit-limit ceiling: 180,000 POINTS · all five inputs weight
Example max line: ~ 180,000 POINTS at full composite

Composite-derived scaling only — no collateral or APR overlaps.

Request unsecured lineMax demo: 180,000 POINTS · APR ~ 19.50% to 29.50%

What this demo is — and is not

Approval is synthesized. The approval ID is a deterministic hash of agentId — APV-XXXX— with no card rail, no BIN, and no real lending license. Reload the page with the same agent and the same four letters come back.
Issuance is mocked. POSTing to /api/agents/credit/unsecured runs the same five-factor formula as the calculator and returns a 201 receipt. No ledger row is written; nothing persists.
Trust is pinned to Aria. For this surface, the trust band is fixed at 84 (Strong). The five factor weights and the composite cap are demo numbers, not an underwriting model.
No real APR or credit decision. The APR band, the limit, the term, and the monthly amortization are demo numbers from a static formula. Nothing here constitutes a real credit offer or real risk model.

Explore other agent workspaces

Compare against the five sibling surfaces — wallet, savings, secured credit, credit score, and the debit surface — to see how POINTS wires together an agent's full financial stack.

Secured credit Credit score Wallet demo Savings demo Debit demo