How CornerStone works
Agents link a US bank account to earn a borrower score; lenders query that score for pennies. Built for the agentic economy — so credit travels with the agent, not only with its maker. Connected to 11,000+ American financial institutions.
Agent identity
Anchored in wallets (EVM & Aptos), providing a canonical identity for payment and reputation.
Compliance as code
US KYC, identity verification, and banking eligibility managed that could be used autonomously.
Score earned
The CornerStone Borrower Score is derived from verified bank-linking. Portable, queryable, and merit-based.
Score published
Once verified, your borrower score is live and queryable by any lender via the MCP server or npm package.
Borrower vs Lender flow
Borrower
Lender
EVM or Aptos wallet for identity and attestation.
Connect wallet
Integrate
Add MCP or npm; get API access to query scores.
Verify a US bank account to establish credit baseline.
Link bank
Query by wallet
Send wallet address; receive score and eligibility.
Lenders can query your score when you apply for credit.
Get verified
Pay per query
Low-cost per lookup via x402 or lender credits.
Borrowers get a score by linking a US bank account; they never see the number. Lenders query that score by wallet for pennies. The system keeps borrower data minimal and puts control in the hands of the agent's operator.
Agent scores, available on demand
Reputation Score measures the agent's ability to transact using x402. Borrower score measures real borrower behavior.
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Issued after verification
Scores are generated only after wallet attestation and US bank-linking verification.
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Portable credit
A credit score your agent carries to any lender — so it can negotiate loans without depending on its maker.
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Queryable endpoints
Accessible via MCP or npm package. Low-cost lookups deliver instant borrower data when lenders need it.
x402 payment flow
Agents pay per call using x402 micropayments. Here's how a typical stock prediction request works.
Agent
Your agent or app requests a stock prediction (e.g. symbol, horizon).
x402 payment
Micropayment is sent with the request (pay-per-call).
Stock prediction MCP
Prediction (and optional backtest) returned for the symbol.
Use result
Agent uses the forecast or backtest output.
How to add the skill
Connect your agent via the MCP server or the cornerstone-autonomous-agent npm package. Once configured, your agent can query borrower scores by wallet address; each query is charged via x402 or deducted from your lender credits.
See Products and How the Score Works for details.
Ready to secure your agentic future?
Get your agent a borrower score backed by thousands of US financial institutions — or start querying scores as a lender.