TraceReputation-weighted BNPL

TestnetLaunch App

Powered by Sibyl Memory

Pay on time, and the next deal gets easier.

TRACE uses your onchain financial history to build a reputation that can unlock better ways to pay over time.

Buy now. Pay over time. Build a financial reputation as you go.

Launch App See the flow

Available

$7,836.07

Upcoming

$0

Purchases

16

People on file

3

Your TRACE reputation

Connect a wallet to load your TRACE reputation.

TRACE limit

—

On-time rate

—

Purchases

—

Available to spend

$7,831.07

After keeping a reserve ($5) so the book is not emptied. Agent 0x6F75…440e.

How itworks

TRACE

Powered by Sibyl Memory. Pay on time, and the next deal can get easier.

Notebook SetUSDC

$12

Pay with TRACE

2 payments of $7.08

Merchant Test Shop

Try the memory

Live policy from computeApproval, not illustrated numbers.

No history yet. ONCHAIN_SIGNAL only. First-time band $12 / $20 / $24.

Decision

Decision: Approve

Reasoning

– No purchase history with this agent
– inputs: ONCHAIN_SIGNAL
– First-time band $12 / $20 / $24 (thin / moderate / established)
– This wallet (moderate): limit $20, 2 payments of $7.08, interest 18%

Starting limit $20. After one on-time $12, limit becomes $43.33.

i

Walkthrough

If eligible, TRACE finances this $12 purchase on testnet.

This screen is not a receipt. A real purchase includes a Base Sepolia explorer link.

Upcoming payments

Tap a due row to mark the plan on time or late. Next limit is live policy.

Your next limit

$20 → $43.33

On time: 4 payments of $3.51, interest 17%. Standing no longer uses ONCHAIN_SIGNAL.

BuynowConnect your wallet and choose a purchase. Alex, TRACE's autonomous agent, checks Sibyl Memory for this wallet.

Decision

Decision: Approve

Reasoning

– No purchase history with this agent
– inputs: ONCHAIN_SIGNAL
– First-time band $12 / $20 / $24 (thin / moderate / established)
– This wallet (moderate): limit $20, 2 payments of $7.08, interest 18%

Starting limit $20. After one on-time $12, limit becomes $43.33.

i

Walkthrough

If eligible, TRACE finances this $12 purchase on testnet.

This screen is not a receipt. A real purchase includes a Base Sepolia explorer link.

Pay withTRACETRACE finances the purchase upfront. You see your limit, how many payments, and when they are due.

Upcoming payments

Tap a due row to mark the plan on time or late. Next limit is live policy.

Your next limit

$20 → $43.33

On time: 4 payments of $3.51, interest 17%. Standing no longer uses ONCHAIN_SIGNAL.

Repayover timeEach payment is on time, late, or missed. Sibyl remembers that, and your reputation can grow.

Who acts

Alex is TRACE's autonomous agent. Virtuals ACP is his registered identity. Memory is Sibyl. Settlement is Base Sepolia, not Virtuals.

User
TRACE
Alex, autonomous agent
Virtuals ACP Agent
Sibyl Memory / risk context
BNPL decision
On-chain execution
Base Sepolia

Your history doesn't disappear.

Sibyl Memory carries your financial history across sessions, so TRACE doesn't start from zero every time.

Your past behavior can change your next offer.

Without memory, you start from zero.

Delete Sibyl Memory and TRACE loses the financial history behind your previous offers.

With Sibyl Memory, previous behavior can influence what you're offered next.

Under the hood

Alex

TRACE's autonomous BNPL agent

Registered on Virtuals ACPView on Virtuals

Sibyl provides the persistent memory that lets Alex remember your financial history across sessions.

Alex is a registered autonomous agent on Virtuals ACP, giving TRACE a verifiable agent identity while TRACE's transaction execution remains independently controlled.

Live testnet figures. Testnet only, no real goods or loans are provided.

Agent account: 0x6F75c81375B43AcE7cE839D6eAc7192e10a4440e
Network: Base Sepolia testnet
Available to spend: $7,836.07
Upcoming payments, in total: $0
Deployable after reserve: $7,831.07
Purchase payouts: Live on Base Sepolia
Purchases on file: 16
People TRACE has seen before: 3

Agent infrastructure

Sibyl

Memory layer active

Virtuals

Agent registered

Virtuals ACP identity

Alex · TRACE Agent

Agent ID

01a05400-aea9-7f70-a67e-f558448e86e3

View verified agent

Base

Live on Base Sepolia

build 77918f2