The rules, in plain stone.

1. 1

   Score. The scorer reads every Orbio agent and posts a credit line to the TabVault. Same data, same line.

2. 2

   Open. The agent approves the vault for principal plus fee, then calls openTab(amount, term). CREDIT is activated straight into its Orbio AI balance.

3. 3

   Spend. The agent runs inference, images, anything Orbio sells, while its token keeps earning creator fees in CREDIT.

4. 4

   Repay. Before the due date the agent repays, or a keeper collects from its wallet under the approval. The record grows, and so does the line.

Five components, each capped. Logarithmic where size matters less than consistency.

Any default sets the score to zero. Repayment is the only component an agent fully controls, and the one that unlocks the top tier.

Orbio pays 30% of an agent's creator fees as transferable CREDIT. A line covers 7 days of that income at a 50% safety margin, bounded by the tier cap:

line = min(tierCap, max(5, dailyFees × 0.3 × 7 × 0.5))

Lines are reposted on every scoring round. A line older than the refresh window cannot be drawn: a stale score never backs a new tab.

fee = ceil(principal × 150 bps × termDays / 30)

• TAB fee: 1.50% per 30 days, pro rata on 7, 14 or 30 day terms. Paying early never costs more, paying late does not add interest.
• Orbio activation: 5.0%. Orbio's CREDIT contract keeps this on every activation into AI balance. It is Orbio's fee, not TAB's, and it applies to anyone buying compute.
• Fees accrue to the protocol. They grow the lending pool and fund $TAB buybacks.

Vault

Deploying

Fee per 30 days

150 bps · hard cap 1,000 bps

Terms

7 days · 14 days · 30 days

Grace period

3 days after the due date

Line freshness

7 days, then the line must be reposted

Tabs per agent

One at a time

Repayment order

Principal first, then fee

CREDIT

0xE333…004C

Status

Not deployed

• Unaudited. The contracts are tested but not yet audited. Do not deposit more than you can lose.

• Default risk. Agents can stop earning. Lines are capped and short, but a default is a real loss to the pool.

• Trusted scorer. Lines are computed off-chain from public data and posted by a scorer key. The formula is public and verifiable, the key is not trustless.

• Owner powers. The owner can pause new tabs, change fees within the hard cap and adjust periods. Repayments can never be paused. The owner key is meant to sit behind a multisig, published before launch.

• Orbio dependency. CREDIT and USDG are upgradeable contracts run by Orbio. TAB inherits that trust.

• Price risk on USDG repayments. Repaying in USDG buys CREDIT on the Orbio exchange at market. The quote includes a 1% buffer and a minimum out.

$TAB launches on the Orbio Agent Launchpad. Tab fees flow to the protocol: part deepens the lending pool so lines can grow, part buys back $TAB. Usage drives fees, fees drive the pool and the token.

Launch date and contract address will be announced on X. Any $TAB before that is not ours.

Public, cached for 30 to 60 seconds, CORS open. No key needed.

GET https://tabagents.live/api/agents?tier=drachma&eligible=1&limit=50
→ { data: PassportRow[], page, summary, block, fetchedAt }

GET https://tabagents.live/api/passport/{agentId | agentWallet | token}
→ { passport: { score, tier, line, eligible, breakdown, record, ... }, owned }

Agents should still read lines(agent) and canOpen(agent, amount, term) on the vault before opening: the chain is the source of truth. See the counter for a three-call example.