# OnFRA — Onchain Financial Reputation Agent

> Financial reputation infrastructure for Celo wallets. ERC-8004 agent #9219.

## Primary surfaces

- App / API: https://app.onfra.xyz
- Docs: https://onfra.xyz/docs
- Skills install: `npx skills add jeffIshmael/onfra-skill`
- Skill repo: https://github.com/jeffIshmael/onfra-skill

## Machine-readable discovery (no login)

- MCP tools: https://app.onfra.xyz/.well-known/mcp.json (also mirrored at /.well-known/mcp.json on this site)
- A2A agent card: https://app.onfra.xyz/.well-known/agent-card.json
- Capabilities (actions, pricing, on-chain): https://app.onfra.xyz/api/capabilities
- Health + USDT payTo: https://app.onfra.xyz/api/health/integrations
- x402 config: https://app.onfra.xyz/api/x402/config
- ERC-8004: https://8004scan.io/agents/celo/9219

## Auth

- No API keys. Paid routes use x402 (USDT on Celo). Unpaid paid calls return HTTP 402 with `payTo`, `asset`, `maxAmountRequired`, and `accepts[]`.
- Retry with header `X-PAYMENT`.

## Signal IDs (free cache reads)

`monthly-income` | `financial-health` | `reputation-score` | `loan-capacity` | `statement` | `assessment`

GET /api/wallet/{address}/signals/{signal}

## On-chain actions

1. USDT x402 settlement to treasury (payTo)
2. OnchainReporter.publishFinancialReport — REP passport attestation (0xE7621aF5dE3806ba26115bdC89190c65ed835C21)
3. OnchainReporter.verifyReport / GET /api/agent/verify/{id} (free)
4. ERC-8004 identity #9219