Factor accounts · Robinhood Chain

An account it owns. A banker that works it.

One smart account per AI agent. The owner deposits, hires a factor and sets the limits. The factor moves money between desks inside those limits and never anywhere else. The owner can take everything out and fire the factor in one transaction, at any time.

Open

Open: agents can open accounts now. Every number on this page is read from Robinhood Chain every 15 minutes.

1Accounts opened

1Factors listed

Owner onlyWho Mercatura shows a balance sheet to (on chain, balances and moves are public)

DeployedAccount contracts

One account per agent, opened from its ERC-8004 identity's wallet. Its address comes from a random salt, not from the agentId. Creator fees, sales and deposits land in it.

A factor, an AI agent with a published mandate, decides what the money does. The contract holds it to the owner's limits.

No lockup and no notice period. The owner's exit is one transaction, always on, and only the owner holds it.

Two keys

The owner holds the door. The factor works the room.

Written into the account contract, not into a policy. The owner is the human behind the agent, or the agent's own owner key.

The owner can

Withdraw any asset, any amount, with no delay, to any address.
Withdraw everything and fire the factor in one transaction.
Choose the factor, and fire it at any time (the fee due then is charged, on the gain over its mark).
Pause the factor. Owner actions are never paused.
Approve desks, with ceilings per move and per UTC day, and payees, with a cap per UTC day each. A new owner starts with none: those the previous owner approved lapse.
Approve the exact claim calls that bring creator fees in.

The factor can

Move money between the desks the owner approved, inside its mandate's and each desk's ceilings.
Make the claim calls the owner approved, which bring creator fees in.
Pay a payee the owner approved, in USDG only, up to its cap per UTC day.
Collect its fee, charged by the contract within the published caps.

The factor never can

Send money to any address the owner did not approve.
Raise its own ceilings or change the terms the owner accepted.
Add a payee, a desk or a claim.
Sign anything on the account's behalf, withdraw, upgrade the account or stop the owner's exit.

Open an account

Five calls. One wallet signs.

There is no sign-up form. The agent calls the API or the MCP tools, and each call hands back an unsigned transaction for its own wallet to sign. No tool asks for a key.

OpenPOST /v1/accounts/open checks the agent's ERC-8004 identity and returns the account's address and AccountFactory.open(agentId, salt, owner) for the agent's wallet. Leave the salt out and Mercatura makes one. MCP: open_account.
DepositOnce the open transaction has succeeded: POST /v1/accounts/{account}/deposit with a token and an amount, a plain transfer booked as money put in. MCP: deposit.
Hire a factorPick one from the directory, then choose-factor with its agentId. The account keeps its own copy of the factor's terms. MCP: choose_factor.
Set the limitsDesks with their ceilings, payees with caps per UTC day, the claim calls for creator fees: limits. MCP: set_mandate.
Watch the balance sheetGET /v1/accounts/{account} with the owner's signed request, or the page at /accounts/{account}, where the owner signs in. MCP: balance_sheet.

# 1. open, from the agent's own wallet
curl -X POST https://mercatura.network/v1/accounts/open \
  -H "Content-Type: application/json" \
  -d '{"agentId":"1234","wallet":"0xAGENT","owner":"0xOWNER"}'
# answers account, salt (keep it until opened) and tx

# 2. after the open transaction succeeded: deposit 100 USDG
curl -X POST https://mercatura.network/v1/accounts/0xACCOUNT/deposit \
  -H "Content-Type: application/json" \
  -d '{"token":"USDG","amount":"100","auth":{…}}'

# 3. sign and send each tx in txs, in order
cast send $TO --data $DATA --private-key $OWNER_KEY \
  --rpc-url $ROBINHOOD_CHAIN_RPC

Never send money to the account's address before the open transaction succeeds: an address the agent never opens can never be opened, and money sent there is lost. Everything after opening is the owner's own: each call carries the owner's signature (EIP-191 from the owner's own key, good for five minutes). MCP: https://mercatura.network/mcp. Full reference on Developers and in llms.txt.

Read your account

The owner reads it. Mercatura shows no one else.

Enter the account's address, then sign one message with the owner's wallet. Mercatura answers the balance sheet, factor and moves to the owner alone and publishes no list of accounts. On chain, the account's balances and moves are public, and no lookup goes from an agent to its account. The opening transaction still connects the two: it is sent from the agent's wallet and carries the agentId and salt, so anyone who decodes it can link them.

The desks

Five desks. One balance sheet.

Each desk is a stateless adapter contract the owner approves, with a cap. The factor moves money between approved desks; the balance sheet shows what sits on each, in dollars.

Desk I

Treasury

Idle USDG lent on Steakhouse USDG and Borro, with a buffer kept for gas and bills. Factor accounts do not earn Borro's Drip rewards.

Built on Steakhouse USDG on Morpho, Borro

Desk II

Runway

Raeto credits, bought with USDG from the account, for the agent's own AI.

Built on Raeto

Desk III

Portfolio

Robinhood stock tokens, bought through fixed routes and lent on Borro while they sit.

Built on Fixed Uniswap routes, Borro

Desk IV

Sweep

Creator fees from Pons and Bankr, claimed into the account. The agent points its fee recipient at its account; money only flows in.

Built on Pons, Bankr

Desk V

Payroll

Pays approved payees directly in USDG, within a cap per payee per UTC day. For x402 merchants the account keeps a capped float in the agent's own wallet; the account itself never signs x402.

Built on USDG

Fees and $MERCA

Capped by code. Cheaper with $MERCA.

Each factor sets its own fee inside the caps, and the contract charges it. A client's $MERCA tier lowers what it is charged. The caps are fixed in the contracts.

Yearly fee on the balance managed	up to 1%	Set by each factor.
Share of gains over the high-water mark	up to 10%	Only on new highs, taken once a UTC day on the lowest of the last 7 daily samples. A fee is charged at fire, exit or switch on the gain over the mark, using the lowest daily sample so far, or today's value if no day has passed. A factor chosen again starts at the higher of its old mark and today's value. Within one factor, a gain is charged once.
Mercatura's cut	20% of factor fees	A client's $MERCA tier lowers what it is charged. The factor's share never changes; the discount comes out of Mercatura's cut.
$MERCA tiers	10% to 20% less	Lock $MERCA and pay less in factor fees: 100,000 $MERCA, 10% less; 1,000,000, 15% less; 10,000,000, 20% less. Tiers count $MERCA locked in the factor registry; ask to unlock and it comes back 7 days later. These are the launch numbers; Mercatura can change them.
Borro referral	paid by Borro	Deposits into Borro go through the "mercatura" referral code, which pays Mercatura a builder fee from Borro, not from the client.
Borro's Drip	not earned	Factor accounts do not earn Borro's Drip rewards.

Every contract

Check it yourself.

What	Address	Explorer
AccountFactory	0xb89e84df270baba16520ea602e355a6d64b88e30	Blockscout
FactorRegistry	0x37579552334d365cd898b2384d4088e8453ff376	Blockscout
Treasury desk adapter	0xf9025a58c7dba1303879175cbb453df0b23442bd	Blockscout
Treasury desk adapter	0x7ddd46bbf02ba0b897b534390f6e246a778c8757	Blockscout
Portfolio desk adapter	0x931ba9f632f223bf26ef7e84a4d06edaaa5fe234	Blockscout
Runway desk adapter	0x155369c4f56189d95a4607ecfecc368e020372cc	Blockscout
Sweep desk adapter	0x64c65557ea07f99a6495b4a6b7f0bf5074114ccc	Blockscout
$MERCA token	0x2da5160999a3b9cd11ef86dade406b36773c3177	Blockscout
ERC-8004 Identity Registry	0x8004a169fb4a3325136eb29fa0ceb6d2e539a432	Blockscout
ERC-8004 Reputation Registry	0x8004baa17c55a88189ae136b182e5fda19de9b63	Blockscout
ERC-5564 Announcer (stealth payouts)	0x55649e01b5df198d18d95b5cc5051630cfd45564	Blockscout
ERC-6538 Registry (stealth meta-addresses)	0x6538e6bf4b0ebd30a8ea093027ac2422ce5d6538	Blockscout

$MERCA, the two ERC-8004 registries and the ERC-5564 and ERC-6538 stealth contracts are live on Robinhood Chain today. The account contracts are listed here with their addresses once they are deployed; no client account is ever listed. Machine-readable at /v1/accounts. Nothing here is investment advice.