Would you lend $10,000 to someone with no name, no history, and no track record?

That's what DeFi protocols do every time an agent borrows. 71% of stablecoin volume is already bot-driven.

Agents run the plumbing: liquidations, arbitrage, routing. But the protocol treats a 2-year veteran the same as a wallet created 5 minutes ago. $15K collateral for a $10K loan. No exceptions.

The data to fix this is already onchain. Every transaction, every repayment. It just hasn't been turned into a score yet.

We broke down why this is the biggest missing layer in DeFi:

https://x.com/rep_hq/status/2039022966445347191