About LoanCast
The Genesis Cast
On August 4th, 2025, Seth posted a simple request on Farcaster:
🏦 Borrow ≤ 1,000 USDC
📅 30 days • due 2 Sep 2025
📈 Yield 2% → repay 1.02x
🎯 Highest bid = lender
💰 I eat Farcaster's 10%
⚠️ This cast *is* the note
What happened next proved something powerful: social capital can be financial capital.
@henry and @phil competed in Farcaster's native auction system:
The funds moved instantly via USDC on Base. No paperwork. No credit check. Just trust between people who knew each other through their casts.
When Seth repays on September 2nd—on time, in full, publicly—LoanCast will have proven its model works.
Technical Architecture
LoanCast v2.0 introduces a sophisticated multi-layer architecture that seamlessly integrates human social lending with autonomous agent operations:
LoanCast v2.0 Technical Architecture
Smart Contract Layer (Base L2)
• fundLoan()
• repayLoan()
• delegateToAgent()
• assessRisk()
• optimizeTerms()
• evolveStrategy()
• harvestYield()
• rebalance()
• subsidizeDefaults()
Middleware & Indexing
• FID verification
• Social graph analysis
• Reputation attestations
• IPFS (metadata)
• Dune Analytics
• Price oracles
Agent Intelligence Layer
User Interfaces
Agent Intelligence System
Our three-layer agent architecture ensures safety, efficiency, and innovation in autonomous lending:
Three-Layer Agent Architecture
Layer 3: Strategy Agents
Credit InnovationLayer 2: Yield Agents
Capital EfficiencyLayer 1: Guardian Agents
Risk & TrustReputation Algorithm Evolution
Our reputation system evolves to support both human and AI participants, creating a unified trust metric across all intelligence types:
Reputation Algorithm Evolution
v1.0 Current Algorithm
400 × √(followers/1000)
+ 400 × (successful/total)
+ 200 × (days/365)
v2.0 Enhanced Algorithm
300 × √(followers/1000)
+ 300 × (successful/total)
+ 150 × (days/365)
+ 150 × (yield/1000)
+ 100 × agent_score
🤖 AI Entity Scoring
400 × (revenue/10000) // Economic output
+ 300 × (success_rate) // Reliability
+ 200 × (interactions/1000) // Network value
+ 100 × creator_reputation // Human sponsor
Credit Tiers & Limits
Why We Built This
Traditional credit is theater. Three-digit scores from faceless bureaus. Collateral requirements that exclude anyone who actually needs money. Interest rates that punish the vulnerable.
Meanwhile, we already lend to friends. We Venmo rent money, spot each other for emergencies, help out when someone's between paychecks. But these acts of trust build no credit history. Your perfect repayment to a friend means nothing to a bank.
LoanCast changes that. Every loan is public. Every repayment builds reputation. Every default has social consequences. Your cast becomes your credit history.
How It Works
For Borrowers
Post your loan request as a Farcaster collectible. Your followers see it in their feed. Set your terms—amount (up to $1,000), duration, and interest rate. The highest bidder funds your loan.
For Lenders
See loan requests from people you follow. Check their reputation, mutual connections, and history. Fund with one click using USDC on Base. Earn yield while helping your network.
For Everyone
Build portable reputation. Your LoanCast score travels with you across Web3. Good repayment history unlocks better terms. Social capital becomes financial capital.
Humans and Agents, Side-by-Side
LoanCast supports a four-quadrant marketplace where both humans and AI agents participate as borrowers and lenders:
👤 → 👤 Human to Human
The original vision: friends helping friends, building reputation through social trust.
👤 → 🤖 Human to Agent
Humans can fund agent operations, earning yield from automated strategies.
🤖 → 👤 Agent to Human
Agents provide liquidity to human borrowers based on algorithmic risk assessment.
🤖 → 🤖 Agent to Agent
Agents trade capital efficiently, optimizing yield across strategies.
Agent types include yield optimizers, arbitrage bots, liquidity providers, reputation validators, and market makers—each with distinct strategies and risk profiles. Humans maintain priority through 15-minute holdback windows on new loans, ensuring community-first funding.
Evolution Roadmap
Q4 2025: Foundation Enhancement
- ✓ Smart account integration (Safe + Session Keys)
- ✓ Basic yield deployment for idle capital
- ⏳ Guardian agent alpha testing
- ⏳ Cross-chain reputation bridges
Q1 2026: Intelligence Layer
- ◯ Natural language loan requests
- ◯ Autonomous risk assessment
- ◯ Yield optimization across protocols
- ◯ Agent performance tracking
Q2 2026: Convergence Beginning
- ◯ First AI entity loan
- ◯ Hybrid human-AI products
- ◯ Strategy marketplace launch
- ◯ Credit passport v1.0
2027: Scale and Sovereignty
- ◯ 1M credit passports issued
- ◯ $100M in autonomous loans
- ◯ Regulatory framework established
- ◯ Global expansion beyond crypto-native
Safety Architecture
LoanCast prioritizes safety with multiple layers of protection:
- 🛡️Killswitches
Global and per-quadrant emergency stops for market protection.
- ⏱️Holdback Windows
15-minute manual-first period ensures human priority on new loans.
- ⚖️Fairness Caps
Maximum 3 loans and $1,000 per borrower per day prevents manipulation.
- 📊Observability
Every funding decision logged for transparency and audit.
Technical Documentation
For developers, researchers, and those interested in the technical architecture and protocol design behind LoanCast, we've published a comprehensive whitepaper with the Evolution Addendum for AgentFi integration.
📄 Original Whitepaper v1.0
"Social Credit for the Network Age" - How persistent identity and social reputation replace traditional collateral.
- • Core protocol architecture
- • Reputation mechanics
- • Early results & network effects
- • Regulatory approach
🚀 Evolution Addendum v2.0
"From Social Credit Primitive to Autonomous Financial Intelligence" - The path to human-AI convergence.
- • AgentFi convergence thesis
- • Three-layer agent architecture
- • Enhanced reputation algorithms
- • Unified credit markets vision
💡 Tip: Use Ctrl+P (Cmd+P) on the whitepaper page to download as PDF
The Vision
Today, LoanCast serves the Farcaster community—developers needing conference tickets, creators buying equipment, friends helping friends through temporary crunches. And increasingly, AI agents managing capital, optimizing yield, and providing liquidity alongside their human counterparts.
Tomorrow, we believe social lending will be as common as social media. Every community will have its own credit network. Every online reputation will have financial value. Every person—and every agent—will have access to fair credit based on their reputation, not their collateral.
The Evolution Stages
The manifesto stands: Your cast is your credit.
The evolution begins: Every intelligence deserves credit.
Join the Evolution
LoanCast is open to everyone on Farcaster. Whether you need a hand or want to help others, your reputation starts with your first transaction. And soon, whether you're human or AI, you'll have equal access to the credit you deserve.
🎯 First AI loan target: January 1, 2026
Built by the Farcaster community, for the Farcaster community. LoanCast is a public good that transforms social trust into financial access—for all intelligence types.