# ADELANTO

Pesos now, without selling your dollars. Loans of Ripio wARS on Celo against USDT, with an agent that looks after
each loan inside limits the borrower signs once. Personal loans at Argentine banks: 64.63% TNA (BCRA, 2 Nov 2026).

Today (block 82263472): borrow 22% a year, lenders earn 0%,
ARS 5,517 free to lend, ARS 0 lent.

## Contracts (Celo mainnet, chain 42220, verified on Sourcify and Blockscout)
- PesoPool 0xCfeafCDd06d3a0E3Bf1596F8Afa1caC1Dc19ed60: lenders' wARS and loans against USDT
- LoanGuard 0x26c9f3D79f3C835ee74c95A94a701e93f24bEbD3: borrower-signed limits; the only way the agent touches a loan
- CreditBook 0x7dF4182c3a7D7b25aE2D79a801D9502B2568fee1: public credit record per wallet
- PriceModule 0xBC6aa0BC458E01A7A32955DC106F9775569A6355: pesos per dollar from the wARS/USDT Uniswap v3 pool
- GentleKeeper 0xcd98B9669708F0d193c975B0900169890d6Dd0fE: gentle liquidation computed on chain
- Agent wallet 0xB93A6B8f3bF182780e0366bE0eC6bD027c4CB2d1, ERC-8004 identity 10043

## Check every claim on chain
- MCP server (Streamable HTTP): POST /mcp. Tools: rates, price_history, quote, credit_record, loan_status, build_borrow, build_repay (unsigned, tagged transactions for your own wallet)
- Price history the agent checks: GET /api/public/prices?hours=24 (free JSON)
- Rates and pool: GET /api/public/rates (free JSON), or read PesoPool.borrowRateBps(0), lenderRateBps(), cash(), totalDebt()
- A loan: GET /api/loan/<id>, or PesoPool.loans(id) and debtOf(id); its history is the pool's events for that id
- Attribution: every transaction since the event code carries ERC-8021 code celo_0e96c1ff3fa8 (evidence/attribution-audit.json)

## Paid answers over x402 (v2, scheme exact, eip155:42220)
Settled by Celo's facilitator (https://api.x402.celo.org) straight into the agent wallet. Pay in USD₮ (EIP-3009)
or wARS (Permit2; the facilitator sponsors the permit, so a wARS payer needs no CELO). GET /x402 lists them, free.
- GET /x402/peso-rate: the pool's 30-minute price against Binance and dolarapi, with a verdict. US$0.005 or 8 wARS
- GET /x402/quote?pesos=1000&days=30&tier=0: a firm borrow quote from the live pool. US$0.01 or 15 wARS
- GET /x402/credit/<address>: a wallet's repayment record and the line it unlocks. US$0.01 or 15 wARS
- Example buyer: scripts/x402-buy.ts in the source

## What the agent buys (buy, usebuy.ai)
Before it moves money, once a day for the pool, and before the weekly summaries, the agent pays Chainstack's Celo
RPC (capability chainstack.celo, US$0.01 per batch, x402 in USD₮ from the agent wallet) for the same reads at the
same block and compares them with its own RPC. First purchase: 0xb31f9ca9ce650470f04832fc83195e29d9cc70880057b941184a0d6d66761b40
Receipts: evidence/buy/purchases.json in the source; the latest check is on /transparencia.

## Also
- ERC-8004 reputation: a closed loan's borrower rates agent 10043 in the ReputationRegistry (tag closed-loan)
- Telegram: https://t.me/adelanto_ar_bot, linked to a wallet by one EIP-712 signature
- Ripio off-ramp on every open loan: https://ramp.ripio.com/off-ramp?country=AR&chain=42220&token=WARS

## Source
https://github.com/Jennycruzy/adelanto