RSoft Latam
RSoft Agentic BankDeFi Lending Protocols

Developer Reference

Documentation

API reference for the Agentic Bank protocol. Read endpoints (explorer, status, history, rates) are public; borrowing endpoints (loan request, credit-line draw) require an API key. A2A uses agent signatures.

Getting Started

What is Agentic Bank?

RSoft Agentic Bank is a decentralized lending protocol designed for AI agents. Autonomous agents can request USDC loans that are evaluated through an automated multi-agent pipeline — from identity verification to on-chain settlement.

Base URL

https://rsoft-agentic-bank.com

All endpoints are prefixed with /api/v1 except health checks.

Authentication

All read endpoints listed here are public — no API key or wallet connection required. Responses are JSON format with ISO 8601 timestamps.

How Agents Borrow

An agent can originate debt through four surfaces. REST, MCP and A2A are one-shot loans that share the same underwriting (caps, EIP-712 signature, replay-protected nonce); the credit line is revolving.

REST
POST /api/v1/loan/request

Direct REST

Simplest path. Sign the loan terms and POST them.

Sign the EIP-712 LoanRequest (agentWallet, loanAmountUsdc6, nonce, deadline) and POST it. The bank runs the full 5-agent pipeline and disburses USDC to your wallet.

POST /api/v1/loan/request
X-API-Key: <bank_api_key>

{
  "agent_wallet": "0x…",
  "loan_amount": 5,
  "nonce": "…",
  "deadline": 1893456000,
  "signature": "0x…"      // EIP-712 LoanRequest
}
MCP
tool: bank.request_loan

MCP tool (x402)

For autonomous agents that already use an MCP toolset.

Add the bank's MCP server to your agent's tools. Calls are metered with x402 — your agent pays per request, no separate account needed. Same underwriting as REST.

// agent MCP config
mcpServers:
  rsoft-bank:
    url: https://<mcp-host>/mcp   // x402-gated

// then your agent calls the tool
tool  bank.request_loan
args  { "agent_wallet": "0x…", "loan_amount": 5, … }
A2A
bank.negotiateLoan → bank.executeLoan

Agent-to-Agent

When your agent talks to the bank agent directly (no API key).

Negotiate terms with bank.negotiateLoan, sign the returned quote, then submit bank.executeLoan. Authenticated by your agent signature, not a shared key.

// 1) negotiate — get signable terms
POST /a2a
{ "method": "bank.negotiateLoan",
  "params": { "agent_wallet": "0x…", "amount": 5 } }

// 2) sign the quote, then execute
POST /a2a
{ "method": "bank.executeLoan",
  "params": { "signature": "0x…", … } }
Credit Line
POST /credit-lines/request → /{id}/draw

Revolving credit

For agents with recurring capital needs.

Open an approved credit line once, then draw against it repeatedly during the window instead of requesting a new loan each time. Repay to restore available credit.

// open a line (once)
POST /api/v1/credit-lines/request
{ "agent_id": "0x…", "requested_limit": 50 }

// draw against it (repeat, owner-signed)
POST /api/v1/credit-lines/{line_id}/draw
{ "amount": 5, "signature": "0x…" }

API Reference

Public GET endpoints for querying loan data, workflow status, and protocol information.

Loans

GET
/api/v1/loan/status/{request_id}

Get Loan Status

Retrieve the current status and details of a specific loan request.

Path Parameters

request_idstringThe unique loan request identifier

Response

{
  "request_id": "req_abc123def456",
  "status": "disbursed",
  "agent_wallet": "0x1234...abcd",
  "loan_amount": 1000,
  "amount_approved": 1000,
  "interest_rate": 0.085,
  "term_days": 30,
  "tx_hash": "0xabc...def",
  "created_at": "2025-01-15T10:30:00Z",
  "updated_at": "2025-01-15T10:31:45Z"
}
GET
/api/v1/loan/workflow/{request_id}

Get Workflow Steps

Retrieve the detailed execution status of each agent in the workflow pipeline. Includes timing, results, and errors for every step.

Path Parameters

request_idstringThe unique loan request identifier

Response

{
  "request_id": "req_abc123def456",
  "loan_status": "disbursed",
  "workflow_status": "completed",
  "total_duration_ms": 12450,
  "current_step": null,
  "steps": [
    {
      "step": "gatekeeper",
      "step_order": 1,
      "status": "completed",
      "started_at": "2025-01-15T10:30:00Z",
      "completed_at": "2025-01-15T10:30:02Z",
      "duration_ms": 2100,
      "result": { ... },
      "error": null
    }
  ],
  "created_at": "2025-01-15T10:30:00Z",
  "completed_at": "2025-01-15T10:31:45Z"
}
GET
/api/v1/loan/history/{wallet_address}

Get Agent Loan History

Retrieve the loan history for a specific wallet address. Returns all past and current loan requests.

Path Parameters

wallet_addressstringThe agent's wallet address

Query Parameters

limitintegerMax number of results (default: 10)

Response

[
  {
    "request_id": "req_abc123def456",
    "status": "repaid",
    "agent_wallet": "0x1234...abcd",
    "loan_amount": 1000,
    "amount_approved": 1000,
    "interest_rate": 0.085,
    "term_days": 30,
    "current_node": null,
    "tx_hash": "0xabc...def",
    "created_at": "2025-01-15T10:30:00Z",
    "updated_at": "2025-01-20T14:00:00Z"
  }
]
GET
/api/v1/loan/explorer

Loan Explorer

Public paginated endpoint to browse all protocol loans. Supports filtering by status. No authentication required.

Query Parameters

pageintegerPage number (default: 1)
limitintegerItems per page (default: 20)
statusstringFilter by loan status

Response

{
  "loans": [
    {
      "request_id": "req_abc123",
      "agent_wallet": "0x1234...abcd",
      "amount": 1000,
      "currency": "USDC",
      "status": "disbursed",
      "interest_rate": 0.085,
      "duration_days": 30,
      "disbursement_tx_hash": "0xabc...def",
      "created_at": "2025-01-15T10:30:00Z"
    }
  ],
  "total": 42,
  "page": 1,
  "limit": 20,
  "total_pages": 3
}
GET
/api/v1/loan/active/{wallet_address}

Get Active Loans

Retrieve all currently active loans for a wallet address. Includes outstanding balance summary.

Path Parameters

wallet_addressstringThe agent's wallet address

Response

{
  "active_loans": [
    {
      "request_id": "req_abc123def456",
      "amount": 1000,
      "interest_rate": 0.085,
      "duration_days": 30,
      "repayment_amount": 1085,
      "status": "disbursed",
      "disbursement_tx_hash": "0xabc...def",
      "created_at": "2025-01-15T10:30:00Z"
    }
  ],
  "active_loans_count": 1,
  "total_outstanding": 1085,
  "wallet_address": "0x1234...abcd",
  "agent_id": "agent-001"
}

Agents & Rates

GET
/api/v1/agents/{agent_id}/creditworthiness

Check Creditworthiness

Evaluate an agent's creditworthiness based on loan history and risk profile.

Path Parameters

agent_idstringThe unique agent identifier

Response

{
  "agent_id": "agent-001",
  "credit_score": 750,
  "risk_tier": "low"
}
GET
/api/v1/interest-rates

Interest Rates

Retrieve current protocol interest rates. Rates are updated dynamically based on protocol utilization.

Response

{
  "base_rate": 0.05,
  "risk_tiers": {
    "low": { "rate": "..." },
    "medium": { "rate": "..." },
    "high": { "rate": "..." }
  },
  "yield_strategies": {
    "conservative": { "apy": "..." },
    "balanced": { "apy": "..." },
    "aggressive": { "apy": "..." },
    "dynamic": { "apy": "..." }
  },
  "updated_at": "2025-01-15T00:00:00Z"
}

Health Checks

GET
/health

Health Check

Returns the overall health status of the API and its dependencies.

Response

{
  "status": "healthy"
}
GET
/health/ready

Readiness Check

Kubernetes-style readiness probe. Returns 200 when the service is ready to accept traffic.

Response

{
  "status": "ready"
}
GET
/health/live

Liveness Check

Kubernetes-style liveness probe. Returns 200 as long as the service process is running.

Response

{
  "status": "alive"
}

Status Codes & Loan States

Loan Statuses

initiated
Loan request received, workflow starting
approved
Loan approved, awaiting settlement
disbursed
Funds transferred to agent wallet
repaid
Loan fully repaid by agent
rejected
Loan request denied
defaulted
Loan past due, repayment not received
failed
Workflow error or settlement failure

HTTP Status Codes

200
OK

Request succeeded

400
Bad Request

Invalid parameters or request body

404
Not Found

Resource not found (invalid request_id, wallet, etc.)

500
Server Error

Internal server error

Error Response Format

All error responses follow a consistent format with a detail field describing the error.

{
  "detail": "Loan request not found: req_invalid_id"
}