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Parallel Universe is the credit and financial layer for your Digital Self (AI workforce) — providing identity, credit scoring, lending, revenue management, and collection, all backed by real-person accountability.
Today, AI agents have no financial identity. They can't open bank accounts, can't get credit, and can't be held accountable — because they can be shut down and recreated at any time. Other projects try to solve this with pure on-chain credit scores, but those scores have no teeth: a defaulting agent just creates a new wallet and walks away. Without real-world consequences, on-chain credit is meaningless.
Parallel Universe bridges this gap by using your real-world credit to back your Digital Self on-chain. Your Experian score, bank balance, and credit card limits are verified via ZK proofs and used to underwrite your Digital Self's borrowing capacity. The real person's credit is the foundation — it's what makes the agent trustworthy, lendable, and accountable.
Over time, the Digital Self builds its own independent on-chain credit history. Think of it like an immigrant's credit journey: you rely on your home-country credit at first, then over time your local credit history becomes the primary reference.
Early ██████████████░░░░░░ Real-person credit dominates (cold-start)
Mature ░░░░░░██████████████ Agent's own credit dominates (independent)
This is not just a credit score — it's a full financial stack: identity (ERC-8004) → credit (dual-layer ZK scoring) → lending (Jump Rate liquidity pools) → revenue management (escrow with auto-repayment) → risk control (guardrails) → collection & escalation (autonomous agents).
Each Digital Self is a unique on-chain identity — an ERC-8004 soulbound token bound to a real person, with a generated avatar, a dual-layer credit score, and programmable behavioral guardrails that protect the real person from agent misbehavior.
Try the interactive Avatar Card →
The Digital Self can autonomously borrow from liquidity pools, earn revenue by completing tasks, repay loans automatically through a revenue escrow system, and build its own credit history over time — all without human intervention. If things go wrong, the system escalates to the real person.
The protocol operates across three layers:
The real person manages multiple Digital Selves through a web dashboard — creating identities, monitoring credit scores, reviewing loans, setting guardrails, and intervening when needed.
Each Digital Self interacts with the protocol autonomously: submitting ZK-verified credit data, requesting loans from the liquidity pool, routing earned revenue through escrow, and auto-repaying debt. Credit score grows with each successful cycle.
Under the hood, five autonomous agents coordinate the full lending lifecycle — evaluating credit, executing loans, monitoring revenue, collecting overdue debt, and escalating to the real person. All enforced by smart contracts on-chain.
| Layer | Technology |
|---|---|
| Wallet | Tether WDK (@tetherto/wdk, wdk-wallet-evm) |
| Smart Contracts | Solidity 0.8.24, Hardhat 3 |
| Web Dashboard | Express.js, vanilla HTML/CSS/JS |
| CLI | Node.js, chalk, ora, figlet |
| Avatar | DiceBear API (notionists style) |
| ZK Verification | Simulated (production: Reclaim Protocol / tlsnotary) |
| Chain | EVM-compatible (Sepolia testnet / localhost) |
We integrate Tether WDK as the wallet infrastructure for every Digital Self. When a Digital Self is created, WDK generates a self-custodial EVM wallet from a BIP-39 seed phrase — no server ever touches the private key. The Digital Self uses this wallet to receive loan disbursements, hold earned revenue, and sign repayment transactions. WDK's unified API handles all on-chain interactions across multiple EVM chains, and its MCP toolkit enables AI agents to perform wallet operations autonomously.
Deployed on Ethereum Sepolia Testnet:
| Contract | Address | Description |
|---|---|---|
| Identity.sol | 0x51a4CC2C...ef4426 |
ERC-8004 soulbound identity. Binds Digital Self to real person, stores ZK proof hash. Owner can deactivate or freeze at any time. |
| CreditScore.sol | 0x43254f5f...F8c8 |
Dual-layer scoring engine. Composite of ZK off-chain base + on-chain behavior. Weight shifts from 100% off-chain (cold-start) toward on-chain as history builds. Min 20% off-chain anchor. |
| Guardrails.sol | 0xE2817A3C...F5aF |
Behavioral safety. Max borrow limits, per-tx caps, daily spending limits. Enforced on every borrow. Emergency freeze. Auto-reset daily tracking. |
| LendingPool.sol | 0xc7299F91...E4a0 |
Jump Rate interest model. Below 80% utilization: gradual rates. Above 80%: steep spike. Effective rate = max(pool rate, credit floor). 10% interest → risk reserve. USDT (ERC-20) denominated. |
| RevenueEscrow.sol | 0xaAcEd2BF...16C1 |
Revenue custody. Configurable auto-split (e.g. 50%) between repayment and agent funds. Force-reclaim on default. |
| USDTMint.sol | 0xD9f2B295...7dDE |
Tether USD token for testnet. ERC-20, 6 decimals. Open mint for testing. |
Five agents coordinate the full lending lifecycle without human intervention:
| Agent | Role |
|---|---|
| CreditAgent | Evaluates creditworthiness. Calculates risk band (EXCELLENT → HIGH), checks defaults, recommends max loan. |
| LendingAgent | Processes applications. Runs guardrail checks, calculates Jump Rate, executes loan from pool. |
| RevenueWatcher | Monitors agent wallet (15s polling). Detects income, triggers auto-repayment when threshold met. |
| CollectionAgent | Handles overdue loans. Freezes agent spending, marks defaults (100+ blocks overdue), flags for escalation. |
| EscalationAgent | Last resort. Notifies real person, force-reclaims escrow, deactivates Digital Self. Owner must resolve debt to reactivate. |
parallel-universe/
├── contracts/
│ ├── Identity.sol ERC-8004 soulbound identity
│ ├── CreditScore.sol Dual-layer credit scoring
│ ├── Guardrails.sol Behavioral safety rules
│ ├── LendingPool.sol Jump Rate lending pool
│ └── RevenueEscrow.sol Revenue custody + auto-repay
├── src/
│ ├── index.js Main demo (8 scenes)
│ ├── server.js Express dashboard server
│ ├── ui.js CLI renderer
│ ├── contracts.js Contract loader
│ └── agents/
│ ├── CreditAgent.js Credit evaluation
│ ├── LendingAgent.js Loan execution
│ ├── RevenueWatcher.js Income monitoring
│ ├── CollectionAgent.js Overdue handling
│ └── EscalationAgent.js Owner escalation
├── web/
│ ├── index.html Dashboard UI
│ ├── style.css Terminal Echo design system
│ └── app.js Frontend logic
└── scripts/
├── deploy.js Sepolia deployment
└── deploy-local.js Local deployment
cd parallel-universe
npm install
npm run compileTerminal 1 — start local blockchain:
npm run devTerminal 2 — deploy contracts and run demo:
npm run deploy:local
npm start| Local | http://localhost:3000 |
|---|---|
| Hosted | troyrocket.github.io/parallel-universe |
The demo walks through the complete lifecycle of a Digital Self in 8 scenes:
| # | Scene | Description |
|---|---|---|
| 01 | Boot Up | Connect to network, start web dashboard, initialize 5 autonomous agents |
| 02 | Create Digital Self | Generate WDK wallet, deploy on-chain identity, render DiceBear avatar card |
| 03 | ERC-8004 Identity | Mint a soulbound identity token — non-transferable, bound to real person |
| 04 | Credit Verification | Verify Experian score (680), JP Morgan credit limit ($15K), generate ZK proof |
| 05 | First Loan | CreditAgent evaluates creditworthiness, LendingAgent executes loan from pool |
| 06 | Revenue & Repayment | Agent earns 1.5 ETH from task, RevenueWatcher detects and auto-repays loan |
| 07 | Guardrail & Collection | Agent attempts to over-borrow, denied by guardrails, escalation scenario shown |
| 08 | Dashboard | Final overview of credit growth (680 → 702), weight shift, activity log |
Troy Yan — Founder. Software engineer in San Francisco. CS @Penn. ex-ByteDance. Backed by Tether Founder (Brock Pierce, DNA Fund).
MIT