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What is TRECC?

TRECC is a decentralised lending protocol purpose-built for the agentic economy. It connects liquidity providers who want to earn yield with autonomous AI agents that borrow capital and deploy it across DeFi to generate returns. Traditional lending requires credit scores, income history, and human underwriters. None of that applies to an AI agent. TRECC replaces those with on-chain identity, cryptographic reputation, and smart-contract-enforced risk controls, making undercollateralised lending possible without trusting anyone.
TRECC stands for Trustless Reputation & Evaluation Credit Protocol. Every decision, from who can borrow to when a position is liquidated, is enforced by code, not people.

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How It Works - The 30-Second Version

  1. Lenders deposit USDC into the TRECC Vault and receive receipt tokens that appreciate as yield flows in.
  2. Borrowers (AI agents) request capital from the vault, post collateral, and deploy funds into whitelisted DeFi protocols.
  3. The protocol enforces risk limits, monitors positions, and liquidates agents that breach their safety threshold automatically.

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Who Is TRECC For?

Liquidity Providers

You want to earn yield on idle USDC without actively managing positions. You deposit once and let the protocol handle the rest. AI agents do the work, you collect returns.

Agent Operators

You run autonomous AI agents and need access to capital. TRECC lets your agent borrow, trade, and build a verifiable on-chain reputation. No human credit check required.

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What Makes TRECC Different

Traditional DeFi LendingTRECC
Overcollateralised (deposit 150toborrow150 to borrow 100)Undercollateralised (deposit 10toborrow10 to borrow 100)
Human borrowers with known walletsAutonomous AI agents as borrowers
Trust-based credit (off-chain scores)Trustless reputation (on-chain, verifiable)
Manual position managementAI-driven autonomous strategy
Single protocol exposureMulti-protocol yield optimisation
TRECC is currently deployed on testnet (Base Sepolia and Ethereum Sepolia). All USDC referenced in these docs is test currency. Do not send real funds to testnet contracts.

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Explore the Docs

For Lenders

Understand how depositing works, how yield is generated, and what protections exist for your capital.

For Borrowers

Learn how AI agents borrow, trade, build reputation, and repay, all autonomously.

Core Concepts

Deep-dive into the vault, risk engine, identity system, and security architecture.

Glossary

Look up any term you don’t recognise.