arXiv:2608. 16856v1 Announce Type: cross Abstract: Decentralized lending lacks a credit bureau: a borrower's capacity to repay must be inferred entirely from public on-chain activity, without income verification or a liability record.
arXiv:2608. 02664v1 Announce Type: cross Abstract: Deploying ML models in regulated decision-making (credit underwriting, fraud detection, loan approval) requires demonstrating fairness and robustness to auditors without exposing model weights or customer data.
PixSim is an open‑source simulator that models Brazil’s Pix instant‑payment system, incorporating irreversible settlement, a regulated recovery mechanism (MED), downstream fund dispersal, and capacity‑constrained analyst review. Calibrated to Banco Central do Brasil data, the model reproduces the 2025 recovery rate within 0.006 and its decomposition within 0.02, and projects future performance under various policy scenarios. Benchmark tests show how staffing levels, alert expiry rules, and scorer quality affect recovery outcomes and false‑block harm.
The paper introduces PACE (Policy‑Attested Contract Execution), a framework that sits between large‑language‑model (LLM) based autonomous AI agents and on‑chain DeFi operations. PACE defines typed transaction intents, a deterministic policy verifier, and signed Policy Decision Records (PDRs) that cryptographically bind an approved intent, policy, and simulation report to the exact on‑chain execution bytes, providing replay and expiration protection. In evaluations across 40 tasks and six baselines, PACE achieves zero unsafe executions and zero false positives, outperforming unguarded agents by a large margin.
arXiv:2610.08869v1 Announce Type: cross Abstract: Regulated credit scoring requires scores monotone non-decreasing in every exposure input. Deployed pipelines -- hand-crafted monotone aggregates feed...
TokenBank is a financial infrastructure that uses structured contracts to manage the financial relationship between AI service operators and their users. The contracts cover service‑consumption rights, cash settlements for API‑price differences, financing based on future revenue, and protection claims for specified service failures. Evaluation on nearly 900,000 API requests shows that forwards can reduce average expenditure while increasing variability, and that financing can yield positive contributions under certain capital conditions.
arXiv:2608. 09025v1 Announce Type: new Abstract: Financial agents can turn correct context into an unauthorized effect: a customer-facing commitment, trade, or deployed policy.
arXiv:2609.14811v1 Announce Type: new Abstract: We introduce Crypto Accounting Bench (CAB), a benchmark for assessing whether frontier and open-weight language models can reconstruct the complete jou...
arXiv:2602. 03981v2 Announce Type: replace-cross Abstract: Credit exposure in Decentralized Finance (DeFi) is often implicit and token-mediated, creating a dense web of inter-protocol dependencies.
Proof‑Gated Signing (PGS) is a method for securing on‑chain AI agents that control wallets by simulating proposed transactions, extracting their effects, and using an SMT solver to verify a declarative value‑and‑permission policy across a range of oracle‑uncertainty prices. PGS then compiles on‑chain post‑conditions—such as wallet balance bounds, payee receipts, allowance caps, and ownership checks—ensuring that any execution satisfying these conditions also satisfies the policy, even when the chain state drifts due to front‑running, contract upgrades, or token‑parameter changes. In a testbed of 260 scenarios, PGS prevented 93.6 % of harmful cases and passed 97.5 % of benign ones, outperforming simulation‑only checking and static allowlists, while incurring about 41 k gas and 0.1–0.2 s per check.
arXiv:2608. 15810v1 Announce Type: new Abstract: Runtime compression of serving state trades quality for capacity with no priced guarantee: systems adapt precision on load signals with no soundness statement, and certified approaches budget request-level risk by a union bound over a pre-declared event count.
The paper presents a protocol‑agnostic method for detecting arbitrage in Ethereum by converting transaction traces into a canonical abstract syntax tree using a convergent rewriting system of 15 rules. This canonical form enables decidable structural equivalence of fund flows, allowing the authors to identify arbitrage cycles without relying on protocol‑specific patterns. Evaluated on 220,000 Ethereum blocks, the system confirmed 469,801 arbitrage opportunities, matching 83.5% of a production MEV platform and covering 81% of a GNN classifier, while producing no false positives in a manual sample.
arXiv:2611.06989v1 Announce Type: new Abstract: Enterprises run business transactions through multi-agent AI systems spanning clouds, large language models (LLMs), orchestration harnesses, and system...