The agentic private credit desk for stablecoin lenders.
Deploy AI agents that run your facility. You set the terms as a policy, agents act within it and bring in a person where you say, and every decision is recorded on-chain so anyone authorized can check the history.
Borrower side? See how Robomata worksDrawdown request
Example Facility ACredit policy v3 · Requested: 1,000,000.00
Checks against source data
- Source data currentsynced 2h agoPass
- Advance rate (max 85%)80%Pass
- Availability covers requestPass
- Single-obligor concentration (max 15%)18%Exception
Exception drafted
Concentration is above the policy limit. Rationale and evidence attached.
- Routed to approver
- Approved by credit officer · 10:42
3 of 4 checks passed · 1 exception approved
Recorded on-chain · evidence hash 1234...abcd
How it works
How the desk works
- 1
Your policy, your terms
Your credit team sets eligibility, advance rates, concentration limits and covenants as a versioned policy, and can change it any time.
- 2
Agents run the facility
Agents test every drawdown, borrowing-base update and covenant against source data, not against documents the borrower sends.
- 3
A person steps in where you say
In-policy items clear. Anything outside policy is drafted as an exception for your approver to decide.
- 4
Every decision on record
Each decision is recorded on-chain with its evidence hash, so anyone authorized can check the history.
Where it applies
One policy, applied across the life of a facility.
Agents run the same checks at four points, each against source data.
At origination, agents test the borrower's book against your eligibility criteria and concentration limits using source data. What fits clears, and what doesn't comes to you as a drafted exception.
Origination review
Example Facility BCredit policy v1
- Eligibility criteriaPass
- Concentration limitsPass
- Proposed advance rate within policy (max 85%)Pass
- Receivables aged over 90 days3 itemsException
Routed to approver
Record written on decision
Origination review
Example Facility BCredit policy v1
- Eligibility criteriaPass
- Concentration limitsPass
- Proposed advance rate within policy (max 85%)Pass
- Receivables aged over 90 days3 itemsException
Routed to approver
Record written on decision
Controls
Checked against the source. Recorded on-chain.
A borrower report is a document the borrower prepares. Robolend checks each figure against the source data behind it. Each decision record is anchored on-chain, not kept only in one company's database, so any later change to the record or its evidence shows up.
Source data, not borrower-sent documents
Agents test figures against data pulled at the source through Robomata, not against spreadsheets or certificates the borrower prepares.
A record anchored on-chain
Each decision is recorded with its evidence hash and anchored on-chain, outside any single company's database, ours included. If the record or its evidence is changed later, the hashes no longer match. Only a hash goes on-chain, never the evidence itself.
Agents bound by your policy
Agents apply the policy version your team sets. They clear only what that policy allows, and they never change terms.
People decide exceptions
Anything outside policy goes to your approver with the rationale and evidence attached.
Data handling
Robomata pulls only what the facility needs, with the borrower's consent, and keeps evidence files off-chain.
Platform
One harness for programmable private credit.
Borrower evidence comes from Robomata. Investor access will come later through Robomarkets.
For borrowers
Early access for verified borrowersRobomata
The borrower's workspace. Borrowers connect their data sources, and their agents prepare the evidence for each draw from data pulled at the source. Packets stay current, and the borrower steps in only when something is flagged.
All borrower evidence reaches Robolend through Robomata.
Explore RobomataFor verified investors
Robomarkets
Downstream of Robolend, Robomarkets will open private credit exposure to verified, KYC-cleared investors as tokenized positions.
About RobomarketsFAQ
Questions credit teams ask
Who is Robolend for?
Stablecoin lenders and credit funds that run facilities with a borrowing base, drawdowns and covenant tests.
How is this different from loan administration or monitoring tools?
Those tools usually start from the reports a borrower sends and leave the work to your team. With Robolend, agents check each figure against the source data behind it, apply your policy at every drawdown, borrowing-base update and covenant test, and keep a tamper-evident record of each decision.
Where does the source data come from?
From the borrower's own systems, through Robomata. Borrowers connect their data sources, and their agents build evidence packets from data pulled at the source and keep them current. Robolend is where your agents use those packets.
Do agents make credit decisions?
Agents act within the policy your team sets. Items inside it clear under that policy. Anything outside it is drafted as an exception, with rationale and evidence, for the person you name to decide.
What goes on-chain, and what doesn't?
Each Robolend decision is recorded on-chain with a hash of its evidence. The evidence files and borrower data stay off-chain. The hash lets anyone authorized check the record later against exactly what supported the decision.
Which checks does Robolend run?
The terms in your policy, including eligibility criteria, advance rates, concentration limits, reserves and covenant thresholds. They run at origination, at each drawdown, at borrowing-base updates and on covenant test dates.
Is Robolend available today?
Not yet. Robolend is in development, and we are opening early access to a small group of design-partner facilities. Robomata, the borrower's workspace, is in early access, and borrowers are verified before they get access. Connections to live source data are in development.