OnFRA (OnChain Financial Reputation Agent) is an AI-powered financial intelligence agent that analyzes blockchain wallet activity to generate financial reputation insights, income stability assessments, portfolio risk analysis, and estimated loan capacity. The agent evaluates transaction history, cash flow patterns, wallet age, asset composition, and financial behavior to transform raw onchain data into lender-friendly financial intelligence. Outputs include Financial Health Scores, Wallet Reputation Scores, Income Stability classifications, Portfolio Risk Exposure analysis,transaction statements, AI-generated financial summaries, and borrowing capacity recommendations. OnFRA solves the proof-of-income problem for freelancers, remote workers, creators, DAO contributors, and crypto-native users. Users interact through Onfra at https://app.onfra.xyz to connect a wallet, view their profile, generate statements, receive AI insights, purchase Verified Financial Reputation Reports, or query any wallet address. Currently analyzing Celo blockchain , additional EVM chains planned.
The seven checks, with their evidence
7 recordedRegistered?rung 1 · registered
passThe agent exists in the on-chain registry, with an owner and a document URL.
passed
- block_number
- 74443315
- chain_id
- 42220
- token_id
- 9219
checked at 2026-08-10T07:04:52.368411Z
Reachable?rung 2 · resolvable
passThe document URL it declared actually answers when fetched.
passed
- elapsed_ms
- 91
- gateway_attempts
- {"error":null,"gateway":"https://ipfs.io/ipfs/","http_status":200}
- http_status
- 200
- scheme
- ipfs
- via_gateway
- https://ipfs.io/ipfs/
checked at 2026-08-10T07:04:52.368411Z
Readable?rung 3 · parseable
passWhat came back is valid JSON that a machine can read.
passed
- body_bytes
- 3662
- body_sha256
- 2c3d866401134ac40af216aee0fdfe8da890188bcfcb9e335828b1f9fa03e240
- content_type
- application/json
checked at 2026-08-10T07:04:52.368411Z
Follows the spec?rung 4 · conformant
passThe document meets what ERC-8004 requires of it.
passed
- both_fields_present
- false
- legacy_endpoints_field
- false
- may_gaps
- (empty)
- must_violations
- (empty)
- registrations_checked
- 1
- services_field_source
- services
- services_status
- present
- should_gaps
- (empty)
- spec_commit
- 68fc6765761a10fb26f0692df21c8a6f9d12b1be
checked at 2026-08-10T07:04:52.368411Z
Claims its identity?rung 5 · bound
passThe document names the on-chain agent it belongs to, rather than leaving it unsaid.
passed
- declared_agent_id
- 9219
- declared_chain
- 42220
- declared_registry
- eip155:42220:0x8004A169FB4a3325136EB29fA0ceB6D2e539a432
- match
- true
- registrations_seen
- 1
checked at 2026-08-10T07:04:52.368411Z
Answers?rung 6 · live
passA declared endpoint responds to a probe. Not implemented yet, so nobody passes or fails it.
passed
- endpoints
{"declared":"https://app.onfra.xyz/.well-known/agent-card.json","elapsed_ms":654,"final_url":"https://app.onfra.xyz/.wel… (1,040 chars — expand)
{"declared":"https://app.onfra.xyz/.well-known/agent-card.json","elapsed_ms":654,"final_url":"https://app.onfra.xyz/.well-known/agent-card.json","http_status":200,"index":0,"kind":"https","name":"A2A","outcome":"live","probed":true,"probed_url":"https://app.onfra.xyz/.well-known/agent-card.json"}, {"declared":"https://app.onfra.xyz/.well-known/mcp.json","elapsed_ms":537,"final_url":"https://app.onfra.xyz/.well-known/mcp.json","http_status":200,"index":1,"kind":"https","name":"MCP","outcome":"live","probed":true,"probed_url":"https://app.onfra.xyz/.well-known/mcp.json"}, {"declared":"https://app.onfra.xyz/","elapsed_ms":542,"final_url":"https://app.onfra.xyz/","http_status":200,"index":2,"kind":"https","name":"WEB","outcome":"live","probed":true,"probed_url":"https://app.onfra.xyz/"}, {"declared":"https://github.com/agntcy/oasf/","elapsed_ms":2334,"final_url":"https://github.com/agntcy/oasf/","http_status":200,"index":3,"kind":"https","name":"OASF","outcome":"live","probed":true,"probed_url":"https://github.com/agntcy/oasf/"}- endpoints_answered_not_live
- 0
- endpoints_declared
- 4
- endpoints_live
- 4
- endpoints_our_error
- 0
- endpoints_payment_gated
- 0
- endpoints_probeable
- 4
- endpoints_probed
- 4
- endpoints_refused
- 0
checked at 2026-08-10T07:07:52.226139Z
Has feedback?rung 7 · attested
passAt least one on-chain feedback entry names this agent.
passed
- distinct_authors
- 8
- feedback_count
- 13
checked at 2026-08-10T07:04:52.368411Z
Check it again, now
outside the censusOn-chain snapshot
celo- token id
- 9219
- owner
- 0x4821ced48fb4456055c86e42587f61c1f39c6315
- block
- 74,443,315
- observed
- 2026-08-10T07:04:52.371968Z
What the fetch saw
ipfs- scheme
- ipfs
- http status
- 200
- content type
- application/json
- size
- 3,662 bytes
- sha256
- 2c3d866401134ac40af216aee0fdfe8da890188bcfcb9e335828b1f9fa03e240
- elapsed
- 91 ms
This run
reproducible- run
- 4131a5a1-0461-46ce-b393-bcd825d2113b
- chain
- celo
- pinned block
- 74,443,315
- agents
- 9,765
- started
- 2026-08-10T06:41:13.909696Z
- finished
- 2026-08-10T07:06:42.747601Z
- checker
- 0.7.0 · 55deaa9ce71c025a9199311a53cdc2de236eae53
- spec commit
- 68fc6765761a10fb26f0692df21c8a6f9d12b1be
cargo run -p sweeper -- celo # at block 74443315