🛡️ AgentBL

AI Prices the Risk. Investors Pay for the Intel. The Chain Enforces Settlement.

When a $1M cargo ships, capital locks for 45 days. An AI Agent evaluates the risk, prices the discount, and the market pays to unlock that intelligence—all settled on-chain.

AI 为风险定价。投资者为情报付费。区块链强制执行结算。

当一批价值 100 万美元的货物发运后，资本往往会被锁定 45 天。AI Agent 负责评估风险、计算折扣定价，市场则为解锁这份风险情报付费——整个流程最终在链上完成结算。

🌐 🇬🇧 English · 🇨🇳 简体中文

🇬🇧 English

⚡ 30-Second Pitch

The Problem: Global trade has a $2.5 trillion financing gap. When cargo ships, exporters wait 45 days for payment while their capital is frozen. Banks reject 45% of SME trade finance requests—not because trades are risky, but because companies are small.

Our Solution: AgentBL turns electronic Bills of Lading (eBL) into liquid RWA tokens. An AI Agent autonomously underwrites each shipment, calculating a risk-adjusted discount. Investors pay micro-USDC via x402 to unlock premium risk intelligence, then fund the offering. Injective EVM enforces the entire lifecycle on-chain.

The Key Insight: Traditional DeFi lets markets guess asset prices. AgentBL lets AI price the risk before investment—the discount is the investor's only protection against default. That's why the AI must be verifiable, autonomous, and on-chain.

Exporter uploads eBL → AI underwrites in 5 min → Investors pay $0.50 for risk report
→ Fund at 0.80 discount → Target redemption: $1.00 → Settlement enforced on Injective

🎯 Why This Project Is Promising

Criteria	Our Evidence	Where to Verify
🚀 Innovation	AI risk intelligence is sold as a product via x402, not just a feature. The report itself is tradeable and verifiable on-chain.	x402 Live Payment → PaymentOracle binds report hash to USDC settlement
⚙️ Technical Execution	341 AI/backend tests + 32 contract tests. 5-contract protocol deployed. MCP server with 9 tools + 3 resources, including Mystery Voyage preview and proof verification. All transactions verified on Injective testnet.	`npm test` → Deployed Contracts → Live Transactions
💎 Real Use Case	Solves $2.5T trade finance gap. Banks, insurers, investors, and other AI Agents can buy reports without accounts or subscriptions. Clear revenue model.	Problem Statement → Business Model
🎨 Product & UX	402 challenge → wallet signature → settlement → unlock intelligence—all in one flow. Evidence expandable. Wallet failure recovery.	Quick Start → 5-second comprehension test
🌐 Ecosystem Fit	Built on official Injective x402 SDK, Injective iAgent Framework, Injective MCP Server, and Microsoft Azure OpenAI. Full integration with Injective inEVM, optional native precompiles, and Azure AI Foundry tracing.	Every integration links to code/config/trace/tx

🌍 The Problem: Closing the $2.5 Trillion Trade Finance Gap

Trade finance is the lifeblood of the global economy, yet it runs on paperwork, phone calls, and decades-old institutional trust.

📊 The Numbers

$2.5 Trillion Gap (Asian Development Bank): The amount of viable trade that cannot secure financing globally
45% Rejection Rate: Export SMEs face near-majority rejection from traditional banks due to company size thresholds, not trade quality
45-Day Capital Lock: The standard gap between cargo shipment and payment receipt

⏳ The Frozen Cash Timeline

T0: Order Placed → T1: Cargo Shipped (eBL Issued) → [ 45-Day Locked Capital Gap ] 
→ T3: Cargo Arrives → T4: Payment Received

AgentBL targets the T1→T4 liquidity gap: Exporters tokenize their cargo title (eBL) into trade-finance RWAs that global investors fund instantly.

⚖️ The Legal Catalyst

The adoption of UNCITRAL MLETR (Model Law on Electronic Transferable Records), Singapore ETA 2021, and UK ETDA 2023 gives electronic trade documents the exact same legal possession status as paper, opening a massive compliance window for on-chain trade finance.

🏆 Core Features

🤖 Feature 1: AI Autonomous Underwriter — Not a Chatbot, a Financial Decision Engine

The AI doesn't just advise—it executes. When an eBL is uploaded, the system autonomously:

OCR + Field Extraction: Parses Bills of Lading, commercial invoices, and insurance certificates
Cross-Document Consistency Check: Validates quantity, cargo value, unit price vs. market benchmarks, Incoterms, insurance coverage
Risk Scoring: Evaluates transport risk, geopolitical events, weather, port congestion, FX volatility, commodity price stress
Dynamic Pricing: Calculates a fair RWA issuance price with explicit urgency/risk/collateral discounts
On-Chain Execution: Pushes the pricing quote to Injective inEVM's RiskPricingOracle to autonomously launch the offering

Powered by Microsoft Azure AI:

✅ Azure OpenAI Service: Enterprise-grade GPT-4o deployment for reliable, compliant AI inference
✅ Azure AI Foundry: Full model evaluation, tracing, and performance monitoring pipeline
✅ Multi-LLM Fallback: DeepSeek integration for cost-effective redundancy when Azure OpenAI is under load

Evidence:

✅ 341 tests passing (npm test) covering pricing engine, document consistency, risk scoring, LLM fallbacks
✅ RAG Risk Intelligence: 10 real-time data sources for macro risk feeds (commodity prices, shipping indices, geopolitical events)
✅ Structured Output: Every decision follows the PricingQuote JSON schema with evidence graphs and confidence scores

Why It Matters: Traditional DeFi lets the market guess prices. AgentBL lets AI price the risk before investment. The discount is the investor's only compensation for potential default—so it must be calculated before capital is deployed.

💰 Feature 2: x402 Paid Intelligence Market — AI Reports as Tradeable Products

AgentBL implements the x402 protocol (HTTP 402 Payment Required + EIP-3009) to monetize AI intelligence. Rather than giving away risk insights for free, the server issues a 402 Payment Required challenge. Clients sign a USDC transfer authorization, settled on-chain.

The Business Model:

Banks / Insurers / Investors / Other AI Agents
    ↓ Request premium risk report
Server responds: HTTP 402 Payment Required
    ↓ Client signs EIP-3009 USDC authorization
Settlement on Injective EVM via PaymentOracle
    ↓ Payment verified
Unlock: Premium risk intelligence + audit trail hash

What You Can Buy:

🔍 Premium Risk Reports: AI due diligence on eBL authenticity, cargo valuation, default probability
💎 Cargo Valuation: Market-benchmarked pricing with stress scenarios
🛡️ Anti-Fraud Forensics: Document consistency checks, duplicate eBL detection, compliance alerts

Revenue Model:

$0.50–$2.00 per report (configurable)
No subscriptions, no accounts—pure pay-per-use
Scales to institutional API consumption

Evidence:

✅ Live x402 Settlement: Real USDC transfers on Injective testnet with PaymentAttested events (see transactions)
✅ Official Injective SDK: Built with @injectivelabs/x402 npm package
✅ Report Hash Binding: Every paid report is cryptographically bound to its payment via PaymentOracle.bindReportToPayment()
✅ TTL & Replay Protection: Reports expire; duplicate authorizations are rejected

Why x402 Has Strong Potential:

Innovation: Elevates AI risk analysis from "page feature" to "machine-callable paid service"
Technical Depth: One demo flow covers HTTP 402 + USDC settlement + AI structured output + Injective on-chain evidence
Real-World Value: Banks, insurers, logistics platforms, and other Agents can buy reports without human accounts
AI Value Capture: You're paying for underwriting work (due diligence, valuation, stress tests, evidence), not generic LLM chat
Ecosystem Native: Injective officially provides @injectivelabs/x402 and x402 EVM integration guides—this is sponsor-native capability

⛓️ Feature 3: Injective 5-Contract Protocol — Autonomous RWA Lifecycle Enforcement

AgentBL deploys a 5-contract protocol on Injective inEVM that automates the entire trade finance lifecycle:

Contract	Role	Key Functions
EBLRegistry V2	eBL NFT ownership + anti-fraud	`registerEBL()`, `transferOwnership()`, `detectDuplicate()`, `verifyENISignature()`
RWAOfferingPool	Offering lifecycle automation	`createOffering()`, `subscribe()`, `reprice()`, `pause()`, `resume()`, `settle()`
RiskPricingOracle	AI → On-chain pricing pipeline	`updatePricing()`, `getPricingQuote()`, `bindEvidenceHash()`
RWAToken	ERC20-compliant RWA shares	`mint()`, `burn()`, `transfer()`, Standard ERC20 interface
AgentBLRWA	Main coordinator	Cross-contract orchestration, access control, emergency pause

State Machine (enforced on-chain):

Created → Priced → Open → Funded → InTransit → [Repriced/Paused] → Arrived → Settled → Redeemed

Evidence:

✅ 32 Solidity tests passing (npm run test in hardhat/)
✅ All contracts deployed on Injective testnet with verified addresses (see below)
✅ Full lifecycle smoke test: Created → Subscribed → Repriced → Paused → Resumed → Settled
✅ Explorer-verified transactions: Every state transition has a viewable tx hash

🔌 Feature 4: MCP Standard Integration — Claude & AI Agent Interoperability

AgentBL implements the Model Context Protocol (MCP) to make risk intelligence accessible to Claude Desktop, API, VSCode, and other AI systems.

What's Exposed:

7 Core Tools: analyze_ebl, price_offering, check_risk, settle_offering, query_injective, transfer_usdc, get_market_data
3 Resources: Live offering status, risk intelligence feed, settlement history
Security Adapter: Wraps official Injective MCP server with controlled raw EVM transaction signing

Evidence:

✅ Official @modelcontextprotocol/sdk stdio lifecycle
✅ Passes MCP validation tests
✅ Compatible with Claude Desktop MCP configuration
✅ Integration tested with Injective's official MCP server

Why It Matters: Other AI Agents can now consume AgentBL's risk intelligence programmatically, creating a composable AI-to-AI marketplace.

🛠️ Tech Stack: Injective × Microsoft Powerhouse

AgentBL leverages Injective Nova 2026's tri-party collaboration between Injective, Microsoft, and Web3Labs to build a production-grade AI × RWA platform.

Injective Technologies

Technology	Our Implementation	Why It Matters
Injective inEVM	5-contract protocol deployed on Chain ID 1439	Native EVM compatibility with Injective-specific optimizations
x402 Payment Protocol	Official `@injectivelabs/x402` SDK for AI intelligence monetization	First-class support for HTTP 402 + USDC settlements on Injective
Injective MCP Server	Integrated official MCP server with security adapter	Industry-first: AI Agents can trade perpetuals via natural language
Injective iAgent Framework	Built on iAgent SDK patterns for autonomous on-chain execution	Agent-native blockchain designed for AI decision-making
Injective Precompiles	Optional Bank & Exchange precompile spikes (experimental)	Direct access to native Injective modules from EVM
Injective Explorer	All transactions verified on Blockscout testnet explorer	Full transparency and auditability

Evidence:

✅ All contracts deployed: View on Explorer
✅ Real USDC settlements: x402 PaymentAttested events on-chain
✅ MCP integration: npm run mcp:stdio launches standards-compliant server
✅ Full SDK usage: @injectivelabs/x402@0.0.1 in production dependencies

Microsoft Azure AI Stack

Technology	Our Implementation	Why It Matters
Azure OpenAI Service	GPT-4o deployment for autonomous underwriting	Enterprise-grade reliability, compliance, and security
Azure AI Foundry	Model evaluation, tracing, and performance monitoring	Production ML pipeline with full observability
Azure Machine Learning	Training infrastructure for custom risk models (roadmap)	GPU clusters and MLOps toolchain for model fine-tuning
Azure Credits	Hackathon allocation for sustained development	Post-hackathon runway for continued innovation

AI Architecture:

Primary: Azure OpenAI (GPT-4o) → Structured output via JSON schemas
Fallback: DeepSeek-V3 → Cost-effective redundancy
Emergency: Rule-based deterministic pricing → 100% uptime guarantee

Evidence:

✅ 341 AI tests passing with multi-LLM fallback validation
✅ Azure Foundry traces available for all pricing decisions
✅ Structured output validation: Every AI response follows PricingQuote schema
✅ Cost optimization: DeepSeek fallback reduces inference costs by 90% under load

Web3Labs Ecosystem Support

🏫 Top-tier university backing: Peking University, Tsinghua, Zhejiang, Fudan, HKU
🏢 Physical incubation spaces: Hong Kong, Singapore, Beijing, Hangzhou
🚀 Post-hackathon runway: Real-world launchpad, not just a prize ceremony

🏗️ System Architecture

┌─────────────────────────────────────────────────────────────────────────────┐
│                          AGENTBL PROTOCOL ARCHITECTURE                      │
└─────────────────────────────────────────────────────────────────────────────┘

┌─────────────────────┐
│  Exporter Upload    │  eBL PDF/Image + Commercial Invoice + Insurance Cert
│  (Document Layer)   │
└──────────┬──────────┘
           │
           ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                     🤖 AI AUTONOMOUS UNDERWRITER                            │
├─────────────────────────────────────────────────────────────────────────────┤
│  OCR & Parser  →  Cross-Doc Consistency  →  Risk Intelligence (RAG)         │
│       ↓                    ↓                        ↓                       │
│  Cargo Valuation  →  Multi-Factor Risk Score  →  Dynamic Pricing Engine     │
│       ↓                                                                     │
│  PricingQuote Schema (base/urgency/risk/collateral discounts + evidence)    │
│  • 341 tests passing  • OpenAI/DeepSeek/Qwen fallback  • Deterministic      │
└──────────┬──────────────────────────────────────────────────────────────────┘
           │
           ├─────────────────────────┬──────────────────────────────────────┐
           ▼                         ▼                                      ▼
┌──────────────────────┐  ┌─────────────────────────┐  ┌──────────────────────────┐
│  💰 x402 PAID INTEL  │  │ ⛓️ INJECTIVE PROTOCOL   │  │  🔌 MCP INTEGRATION      │
├──────────────────────┤  ├─────────────────────────┤  ├──────────────────────────┤
│ HTTP 402 Challenge   │  │ EBLRegistry V2          │  │ 7 Core Tools             │
│        ↓             │  │ RWAOfferingPool         │  │ 3 Resources              │
│ EIP-3009 USDC Auth   │  │ RiskPricingOracle       │  │ Claude Desktop/API       │
│        ↓             │  │ RWAToken (ERC20)        │  │ Compatible               │
│ PaymentOracle        │  │ AgentBLRWA              │  │                          │
│ Settlement           │  │                         │  │ AI-to-AI                 │
│        ↓             │  │ State Machine:          │  │ Marketplace              │
│ Unlock Report +      │  │ Created → Priced →      │  │                          │
│ Evidence Hash        │  │ Funded → InTransit →    │  │                          │
│                      │  │ Settled → Redeemed      │  │                          │
│ Revenue: $0.50/call  │  │                         │  │                          │
└──────────────────────┘  └─────────────────────────┘  └──────────────────────────┘
           │                         │
           ▼                         ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│               INJECTIVE TESTNET (Chain ID 1439)                             │
│  • All contracts deployed & verified                                        │
│  • Real USDC settlements                                                    │
│  • Explorer-viewable transactions                                           │
│  • PaymentAttested / PricingUpdated / OfferingCreated events                │
└─────────────────────────────────────────────────────────────────────────────┘
           │
           ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                         INVESTOR DASHBOARD                                  │
│  View Offerings → Pay x402 for Report → Review Risk → Subscribe → Track ROI │
└─────────────────────────────────────────────────────────────────────────────┘

Color Coding:

🤖 Purple: AI/ML Layer (Autonomous decision-making)
💰 Orange: x402 Paid Intelligence (Revenue layer)
⛓️ Blue: Web3/Injective (Settlement & enforcement)
🔌 Teal: MCP (Interoperability)

📍 Live Evidence

Deployed Contracts (Injective Testnet - Chain ID 1439)

All contracts are deployed and verified on Injective testnet. Click any address to view on Blockscout:

Contract	Address	Purpose
AgentBLRWA	`0x3C6774d2D1ac6Bf35d08e5C9c84A233F5bc7f5Ce`	Main protocol coordinator
EBLRegistry V2	`0x85bfdcd00E0bBb9dDce3dcD2A58A62380703AdA6`	eBL NFT + anti-fraud
RWAOfferingPool	`0x1F44D336111dE4e2640bd9a5945991D42e876f65`	Lifecycle automation
RiskPricingOracle	`0x0F9618DDbac86eD51d48ef1361789D7e5eF1FAE1`	AI → On-chain pricing
RWAToken	`0x7eb44f73368d14DBE4c2E30F8490a60513Fe17B0`	ERC20 RWA shares

Test Coverage

npm test
# Output:
# ✔ tests 341
# ✔ suites 9
# ✔ pass 341
# ✔ fail 0
# ✔ duration_ms 39998

Test Categories:

✅ AI Pricing Engine (50+ tests): Base pricing, urgency discount, risk scoring, collateral guardrails
✅ Document Consistency (30+ tests): Cross-validation, fraud detection, field parsing
✅ x402 Integration (40+ tests): Payment flow, receipt persistence, replay protection, concurrent settlement
✅ Autonomous Agent (25+ tests): Event-driven actions, decision logic, on-chain execution
✅ Risk Intelligence (20+ tests): RAG retrieval, evidence evaluation, precision@k metrics
✅ Web3 Integration (35+ tests): Wallet connection, transaction signing, network switching, error recovery
✅ Contract Tests (32 tests via Hardhat): Full lifecycle smoke, state machine enforcement

Real Transaction Examples

x402 Payment Settlement:

Example PaymentAttested event: View on Explorer

RWA Offering Lifecycle:

OfferingCreated → Funded → Repriced → Settled
View transaction history on any contract address above

Pricing Oracle Updates:

AI pushes PricingQuote → RiskPricingOracle.updatePricing() → Event emitted with evidence hash
All pricing decisions are auditable on-chain

🚀 Quick Start

Choose your path based on your role:

🎯 Path 1: Judge Mode (5-minute verification)

Perfect for hackathon judges who need to verify all claims quickly:

# 1. Clone and install
git clone https://github.com/LuBryant/AgentBL.git
cd AgentBL
npm install

# 2. Run preflight check (validates all 54 gates)
npm run preflight
# Expected: 50 PASS, 4 Live WARN (demo mode), 0 FAIL

# 3. Start demo server
npm run dev
# Opens http://localhost:3000 automatically

# 4. Run test suite
npm test
# Expected: 341 passing tests in ~40 seconds

# 5. View contract deployment evidence
cat docs/evidence/wave-b-protocol.json

What You'll See:

✅ Interactive dashboard with 5 demo scenarios
✅ AI pricing waterfall visualization
✅ x402 payment flow (demo mode - no real wallet needed)
✅ All contract addresses with clickable explorer links
✅ Real-time risk simulation (typhoon, war scenarios)

👨‍💻 Path 2: Developer Mode (Full technical deep-dive)

For developers who want to explore the codebase and run live transactions:

# 1. Install dependencies
npm install

# 2. Configure environment (optional - only needed for live mode)
cp .env.example .env
# Edit .env to add:
# - OPENAI_API_KEY (or DEEPSEEK_API_KEY / QWEN_API_KEY)
# - INJECTIVE_PRIVATE_KEY (for live testnet transactions)
# - INJECTIVE_RPC_ENDPOINT (defaults to official testnet)

# 3. Run all test suites
npm test                           # 341 AI/backend tests
npm --prefix hardhat test          # 32 Solidity contract tests

# 4. Run scenario demonstrations
npm run scenarios                  # 4 pricing scenarios
npm run demo                       # Full lifecycle demo
npm run qa                         # Judge Q&A assistant

# 5. Test x402 payment flow
npm run smoke:x402                 # Demo mode x402 flow
npm run smoke:x402:live            # Live testnet settlement (requires wallet)
npm run x402:intel                 # Purchase premium intelligence through x402
npm run verify:wave-b              # Verify payment, oracle and protocol evidence

# 6. Interact with MCP server
npm run mcp:stdio                  # Start MCP server
# Then configure in Claude Desktop settings

# 7. Deploy contracts (optional - already deployed)
npm run deploy:protocol            # Deploys to Injective testnet

Key Scripts:

npm run dev - Start web server
npm run preflight - Validate all systems
npm test - Run test suite
npm run price - AI pricing demo
npm run intel - Risk intelligence retrieval
npm run scenarios - Scenario runner

💼 Path 3: Business Mode (Non-technical demo)

For investors, business analysts, or anyone who wants to understand the value proposition without code:

# 1. One-command demo
npm install && npm run dev

Then explore:

Dashboard View: See live RWA offerings with risk scores
Pricing Waterfall: Understand how AI calculates discounts
Risk Simulation: Click "Simulate Typhoon" to see AI pause offerings
Investor ROI Calculator: Input investment amount, see projected returns
Evidence Trail: Every decision shows on-chain proof

No wallet needed - Demo mode shows the full flow with realistic data.

❓ FAQ

Q1: Is the AI pricing reliable?

A: Yes, with multiple safety layers:

✅ 341 tests covering edge cases, stress scenarios, and failure modes
✅ Deterministic fallback: If LLM fails, system uses rule-based pricing
✅ On-chain audit trail: Every pricing decision is logged with evidence hash
✅ Multi-factor validation: AI considers cargo value, insurance, geopolitical risk, commodity prices, transport risk
✅ Collateral guardrails: Hard limits prevent over-issuance vs. cargo value

Test it yourself: npm run scenarios shows AI handling normal trade, war crisis, weather events, and fraud attempts.

Q2: Does x402 have real adoption?

A: x402 is sponsor-native to Injective:

✅ Official Injective SDK: Built with @injectivelabs/x402 npm package
✅ Live testnet transactions: Real USDC settlements with PaymentAttested events (see explorer)
✅ Scalable to institutions: Banks, insurers, logistics platforms, and other AI Agents can consume reports via API
✅ Revenue model validated: $0.50-$2.00 per report, no subscriptions needed
✅ Foundation support: x402 Foundation provides SDK, specs, and EVM integration guides

Why it matters: This isn't just a feature—it's a new business model for monetizing AI intelligence in a machine-callable, composable way.

Q3: Why Injective over other chains?

A: Five sponsor-native advantages:

inEVM: Native EVM compatibility with Injective-specific precompiles (Bank, Exchange)
x402 official support: Injective provides SDK, docs, and testnet facilitator
MCP integration: Official Injective MCP server for AI agent interoperability
Trade finance fit: Injective's focus on DeFi primitives aligns with RWA trade finance
Fast finality: Sub-second block times for responsive risk repricing

Evidence: Every integration (x402 SDK, MCP server, precompile spikes) links to official Injective documentation in our codebase.

Q4: Is this a real RWA or just a demo?

A: Real legal/technical foundation, demo implementation:

✅ Legal compliance: Built on UNCITRAL MLETR framework (electronic trade documents have same legal status as paper)
✅ Real contracts: 5 production-grade Solidity contracts with full test coverage
✅ Real blockchain transactions: All state changes are on Injective testnet with explorer proof
✅ Realistic data: Pricing models use actual commodity data, insurance rates, shipping routes
❗ Demo scope: Cargo/payment settlement is simulated (no actual copper ships in this hackathon!)

Path to production: Connect to real logistics APIs (Maersk, MSC), insurance oracles (Chainlink), and legal eBL registries (DCSA standards).

Q5: Can investors actually lose money?

A: Yes—and that's the point.

The 0.80 discount is not a guaranteed profit. It's compensation for risk. Run this demo:

npm run demo:default

You'll see three outcomes for the same copper shipment:

✅ Normal case: Buyer pays on time → Investor buys at 0.80, redeems at 1.00 → +25% return
❌ Default case: War causes copper crash + buyer abandons + insurance denies → Liquidation recovers 0.698 → Investor loses 12.8%
⚠️ Collateral rescue: Buyer defaults but cargo intact → Excess collateral protects principal

The AI's job: Price the discount (0.80) such that across many trades, investors are fairly compensated for defaults. Too high = exporters overpay; too low = investors get burned.

Q6: What makes this AI, not just a price oracle?

A: AI handles multi-modal, non-numerical risk that price feeds can't:

Scenario: War breaks out near Strait of Hormuz. Copper price rises 15% (supply disruption premium).

❌ Price oracle logic: "Collateral worth more → loan is safer" → WRONG
✅ AI Agent logic: "War premium is fragile + insurance excludes war + default probability spikes + recovery will crash" → PAUSE offering

The difference: AI correlates across documents (eBL authenticity, insurance fine print), macro events (geopolitics, weather), and financial risk (collateral haircuts, stress scenarios). A price feed only sees one number.

Test it: Load the "Hormuz War Crisis" scenario in the dashboard—AI pauses even though copper price is UP.

Q7: How do you prevent the AI from being gamed?

A: Multi-layer verification:

Document consistency checks: Cross-validates eBL, invoice, insurance fields (quantity, value, coverage)
Evidence graph requirement: AI must cite sources for every discount (can't hallucinate)
On-chain evidence hash: Report content is cryptographically bound to payment
Duplicate eBL detection: Same cargo can't be tokenized twice
Collateral hard limits: Can't issue $1M RWA against $500K cargo
Insurance validation: Checks policy coverage, expiry, exclusions

Tests: npm test includes fraud attempt scenarios (fake invoices, duplicate eBLs, insurance gaps).

🛠️ Tech Stack

AI & Intelligence Layer

LLM Providers: OpenAI GPT-4, DeepSeek, Qwen (with deterministic fallback)
RAG System: Custom vector retrieval for macro risk intelligence
Structured Output: Zod schema validation for PricingQuote JSON
Document Processing: OCR pipeline with field-level confidence scoring

Blockchain & Web3

Chain: Injective inEVM (Testnet Chain ID 1439)
Smart Contracts: Solidity 0.8.x, Hardhat development framework
Web3 Library: ethers.js 6.x
Wallet Support: MetaMask, Keplr, Leap with session persistence

Payment & Settlement

x402 Protocol: @injectivelabs/x402 official SDK
Payment Standard: EIP-3009 (USDC transferWithAuthorization)
Settlement Layer: On-chain PaymentOracle with receipt persistence

Backend & API

Runtime: Node.js 20+
Server: Express 5.x with x402 middleware
Testing: Node.js native test runner (341 tests)
Persistence: File-based JSON storage with atomic writes

AI Agent Interoperability

MCP Standard: @modelcontextprotocol/sdk v1.29+
Injective MCP: Official Injective Labs MCP server integration
Tools: 9 core tools (including preview_mystery_voyage and verify_mystery_reveal)
Resources: 3 live data feeds (offerings, risk intel, settlement history)

Frontend

Architecture: Vanilla JS + Modern CSS (no framework bloat)
Styling: Injective purple theme (#0B60FF, #D6336C) with WCAG AA compliance
Visualization: Pricing waterfall, risk radar, timeline stepper
Wallet Integration: WalletConnect + Keplr/Leap native support

🎯 Business Model

Revenue Streams:

x402 Intelligence Sales: $0.50-$2.00 per risk report (banks, insurers, investors, AI agents)
Protocol Fees: 0.1-0.3% of RWA issuance volume (paid by exporters)
Enterprise API: Premium tier for institutional integrators ($500/month)

Target Markets:

SME Exporters: $2.5T unmet financing demand (ADB 2023)
DeFi Investors: Seeking real-world yield with tangible collateral
Banks & Insurers: Buy due diligence reports to accelerate their own underwriting
AI Agents: Programmatic access to trade finance intelligence

Unit Economics (illustrative):

Report production cost: ~$0.05 (LLM API calls + compute)
Sale price: $0.50-$2.00
Gross margin: 90-97%

Scalability: Pure digital good with near-zero marginal cost. One AI agent can underwrite thousands of shipments daily.

🚀 Roadmap & Vision

✅ Current (Hackathon Milestone)

341 tests passing, 32 contract tests
5-contract protocol deployed on Injective testnet
x402 live payment settlement
MCP server integration
Full lifecycle demo with war/weather scenarios

🔄 Next 3 Months (Post-Hackathon)

ENI Integration: Connect to Injective's Electronic Negotiable Instrument precompile for legal eBL registry
Precompile Expansion: Use Bank precompile for USDC settlements, Exchange precompile for commodity price feeds
Real Logistics Data: Integrate Maersk TradeLens, DCSA standards for live shipment tracking
Insurance Oracles: Chainlink integration for parametric weather/marine insurance

📅 6-12 Months (Production)

Institutional Pilot: Partner with 2-3 banks for co-underwriting program
Compliance Layer: KYC/AML via Fractal/Synaps, accredited investor gates
Multi-Chain: Expand to Ethereum L2s, Polygon, Avalanche for broader liquidity
Secondary Market: Enable RWA token trading with transparent risk scores

🌟 Long-Term Vision

Build the Bloomberg Terminal for AI-priced trade finance:

Every shipment globally has a real-time risk score
Banks, insurers, investors, and AI agents all subscribe to the intelligence feed
AgentBL becomes the source of truth for commodity trade risk pricing

🇨🇳 简体中文

⚡ 30 秒项目介绍

问题：全球贸易融资存在 2.5 万亿美元 的缺口。一旦货物发运，出口商通常需要等待 45 天 才能收到货款，期间资金被长期冻结。传统银行会拒绝 45% 的中小企业贸易融资申请，原因并不是交易本身风险过高，而是企业规模不够大。

我们的解决方案：AgentBL 将电子提单（eBL）转化为具有流动性的 RWA 代币。AI Agent 会自主完成每一票货物的承销评估，并计算风险调整后的折扣价格。投资者通过 x402 使用 micro-USDC 付费，解锁高质量风险情报，然后参与融资。Injective EVM 负责在链上强制执行完整生命周期。

核心洞察：传统 DeFi 让市场去“猜”资产价格；AgentBL 则让 AI 在投资前先完成风险定价。折扣价格是投资者抵御违约风险的唯一保护，因此 AI 必须是可验证的、自主运行的，并且能够接入链上执行。

出口商上传 eBL → AI 5 分钟内完成承销 → 投资者支付 0.50 美元获取风险报告
→ 以 0.80 折扣价认购 → 目标兑付价：1.00 美元 → Injective 强制执行结算

🎯 为什么 AgentBL 具备潜力

评审标准	我们的证据	如何验证
🚀 创新性	AI 风险情报不是普通功能，而是通过 x402 被直接销售为一种产品。风险报告本身可交易、可验证，并能在链上留痕。	x402 实时支付 → PaymentOracle 将报告哈希与 USDC 结算绑定
⚙️ 技术执行力	341 个 AI/后端测试 + 32 个合约测试。已部署 5 合约协议。MCP Server 当前提供 9 个工具 + 3 个资源（7 个 Wave B 基线工具 + 2 个 Mystery Voyage 工具）。所有交易均可在 Injective 测试网上验证。	`npm test` → 已部署合约 → 链上实时证据
💎 真实应用场景	解决 2.5 万亿美元贸易融资缺口。银行、保险公司、投资者以及其他 AI Agent 都可以在无账号、无订阅的情况下购买报告。商业模式清晰。	问题陈述 → 商业模式
🎨 产品与 UX	402 支付挑战 → 钱包签名 → 链上结算 → 解锁情报，全流程一体化完成。证据可展开查看，钱包失败后可恢复。	快速开始 → 5 秒理解测试
🌐 生态契合度	基于官方 Injective x402 SDK、Injective iAgent Framework、Injective MCP Server 和 Microsoft Azure OpenAI 构建。完整集成 Injective inEVM，可选接入原生 precompiles，并支持 Azure AI Foundry tracing。	每个集成都可追溯到代码 / 配置 / Trace / 交易

🌍 问题背景：弥合 2.5 万亿美元贸易融资缺口

贸易融资是全球经济的血液，但这个系统至今仍严重依赖纸质文件、电话沟通和几十年前建立起来的机构信任体系。

📊 关键数据

2.5 万亿美元缺口（亚洲开发银行）：全球范围内原本可行但无法获得融资支持的贸易规模
45% 拒绝率：出口型中小企业在传统银行渠道面临接近一半的拒绝率，原因多是企业规模门槛，而非贸易质量本身
45 天资金锁定期：货物发运到收到货款之间常见的时间差

⏳ 资金冻结时间线

T0：订单确认 → T1：货物发运（签发 eBL）→ [ 45 天资金锁定期 ]
→ T3：货物到港 → T4：收到货款

AgentBL 聚焦 T1→T4 之间的流动性缺口：出口商将其货物所有权凭证（eBL）代币化为贸易融资 RWA，由全球投资者即时提供资金。

⚖️ 法律催化因素

UNCITRAL MLETR（《电子可转让记录示范法》）、新加坡 ETA 2021 和 英国 ETDA 2023 的采用，使电子贸易单据拥有与纸质单据完全相同的法律占有地位，为链上贸易融资打开了巨大的合规窗口。

🏆 核心功能

🤖 功能 1：AI 自主承销引擎 —— 不是聊天机器人，而是金融决策引擎

AI 不只是提供“建议”——它会真正执行决策。当 eBL 被上传后，系统会自主完成以下流程：

OCR + 字段抽取：解析提单、商业发票和保险凭证
跨文件一致性校验：验证数量、货值、单价与市场基准、贸易术语、保险覆盖范围等信息
风险评分：评估运输风险、地缘政治事件、天气、港口拥堵、汇率波动和大宗商品价格压力
动态定价：计算公平的 RWA 发行价格，并明确拆分紧急性折扣、风险折扣和抵押品折扣
链上执行：将定价报价推送至 Injective inEVM 上的 RiskPricingOracle，自主发起融资发行

由 Microsoft Azure AI 驱动：

✅ Azure OpenAI Service：企业级 GPT-4o 部署，提供稳定、合规的 AI 推理能力
✅ Azure AI Foundry：完整的模型评估、Tracing 和性能监控管线
✅ 多 LLM 兜底机制：在 Azure OpenAI 高负载时，集成 DeepSeek 作为高性价比冗余方案

证据：

✅ 341 个测试全部通过（npm test），覆盖定价引擎、文件一致性、风险评分和 LLM fallback
✅ RAG 风险情报：接入 10 个实时数据源，用于宏观风险信息流，包括大宗商品价格、航运指数和地缘政治事件
✅ 结构化输出：每一次决策都遵循 PricingQuote JSON Schema，并附带证据图谱与置信度评分

为什么重要：传统 DeFi 让市场去“猜”价格。AgentBL 则让 AI 在投资前先完成风险定价。折扣是投资者承担潜在违约风险的唯一补偿，因此必须在资本投入之前完成严谨计算。

💰 功能 2：x402 付费情报市场 —— 将 AI 报告变成可交易产品

AgentBL 实现了 x402 协议（HTTP 402 Payment Required + EIP-3009），用于将 AI 情报商业化。系统不会免费暴露风险洞察，而是由服务器先发出 402 Payment Required 支付挑战。客户端签署 USDC 转账授权，并在链上完成结算。

商业模式：

银行 / 保险公司 / 投资者 / 其他 AI Agent
    ↓ 请求高级风险报告
服务器返回：HTTP 402 Payment Required
    ↓ 客户端签署 EIP-3009 USDC 授权
通过 PaymentOracle 在 Injective EVM 上结算
    ↓ 支付验证完成
解锁：高级风险情报 + 审计轨迹哈希

可以买到什么：

🔍 高级风险报告：AI 对 eBL 真实性、货物估值和违约概率进行尽调
💎 货物估值：基于市场基准的定价，并包含压力测试情景
🛡️ 反欺诈取证：文件一致性检查、重复 eBL 检测和合规风险提示

收入模型：

每份报告 0.50–2.00 美元，可配置
无订阅、无账号，纯按次付费
可扩展至机构级 API 调用场景

证据：

✅ 实时 x402 结算：Injective 测试网上真实 USDC 转账，并触发 PaymentAttested 事件（查看交易）
✅ 官方 Injective SDK：基于 @injectivelabs/x402 npm 包构建
✅ 报告哈希绑定：每份付费报告都会通过 PaymentOracle.bindReportToPayment() 与支付记录进行密码学绑定
✅ TTL 与重放保护：报告会过期，重复授权会被拒绝

为什么 x402 很有潜力：

创新性：将 AI 风险分析从“页面功能”升级为“机器可调用的付费服务”
技术深度：一个 demo 流程同时覆盖 HTTP 402、USDC 结算、AI 结构化输出和 Injective 链上证据
现实价值：银行、保险公司、物流平台和其他 Agent 可以无需人工账号直接购买报告
AI 价值捕获：用户支付的是承销工作，包括尽调、估值、压力测试和证据，而不是普通 LLM 聊天
生态原生：Injective 官方提供 @injectivelabs/x402 和 x402 EVM 集成指南，这是 Sponsor-native 能力

⛓️ 功能 3：Injective 五合约协议 —— 自主执行 RWA 生命周期

AgentBL 在 Injective inEVM 上部署了一个 五合约协议，自动化执行整个贸易融资生命周期：

合约	角色	核心函数
EBLRegistry V2	eBL NFT 所有权 + 反欺诈	`registerEBL()`、`transferOwnership()`、`detectDuplicate()`、`verifyENISignature()`
RWAOfferingPool	发行生命周期自动化	`createOffering()`、`subscribe()`、`reprice()`、`pause()`、`resume()`、`settle()`
RiskPricingOracle	AI → 链上定价管线	`updatePricing()`、`getPricingQuote()`、`bindEvidenceHash()`
RWAToken	符合 ERC20 标准的 RWA 份额	`mint()`、`burn()`、`transfer()`、标准 ERC20 接口
AgentBLRWA	主协调器	跨合约编排、权限控制、紧急暂停

状态机（链上强制执行）：

Created → Priced → Open → Funded → InTransit → [Repriced/Paused] → Arrived → Settled → Redeemed

证据：

✅ 32 个 Solidity 测试全部通过（在 hardhat/ 目录运行 npm run test）
✅ 所有合约已部署至 Injective 测试网，并提供已验证地址（见下文）
✅ 完整生命周期 Smoke Test：Created → Subscribed → Repriced → Paused → Resumed → Settled
✅ 浏览器可验证交易：每一次状态转换都有可查看的交易哈希

🔌 功能 4：MCP 标准集成 —— 与 Claude 和 AI Agent 互操作

AgentBL 实现了 Model Context Protocol（MCP），使风险情报能够被 Claude Desktop、API、VSCode 以及其他 AI 系统访问。

开放能力：

7 个核心工具：analyze_ebl、price_offering、check_risk、settle_offering、query_injective、transfer_usdc、get_market_data
3 个资源：实时发行状态、风险情报流、结算历史
安全适配器：封装官方 Injective MCP Server，并对原始 EVM 交易签名进行受控管理

证据：

✅ 官方 @modelcontextprotocol/sdk stdio 生命周期
✅ 通过 MCP 验证测试
✅ 兼容 Claude Desktop MCP 配置
✅ 已与 Injective 官方 MCP Server 完成集成测试

为什么重要：其他 AI Agent 现在可以通过程序化方式消费 AgentBL 的风险情报，从而形成可组合的 AI-to-AI 情报市场。

🛠️ 技术栈：Injective × Microsoft 强强联合

AgentBL 利用 Injective Nova 2026 中 Injective、Microsoft 和 Web3Labs 的三方协作生态，构建生产级 AI × RWA 平台。

Injective 技术

技术	我们的实现	重要性
Injective inEVM	在 Chain ID 1439 上部署五合约协议	原生 EVM 兼容，并支持 Injective 特定优化
x402 支付协议	使用官方 `@injectivelabs/x402` SDK 实现 AI 情报商业化	原生支持 HTTP 402 + Injective 上的 USDC 结算
Injective MCP Server	集成官方 MCP Server，并增加安全适配器	行业首创：AI Agent 可通过自然语言交易永续合约
Injective iAgent Framework	基于 iAgent SDK 模式构建自主链上执行能力	面向 AI 决策的 Agent-native 区块链
Injective Precompiles	可选 Bank 与 Exchange precompile 实验性接入	允许 EVM 直接访问 Injective 原生模块
Injective Explorer	所有交易均在 Blockscout 测试网浏览器验证	完整透明、可审计

证据：

✅ 所有合约均已部署：在 Explorer 查看
✅ 真实 USDC 结算：x402 PaymentAttested 事件上链
✅ MCP 集成：npm run mcp:stdio 可启动符合标准的服务器
✅ 完整 SDK 使用：生产依赖中包含 @injectivelabs/x402@0.0.1

Microsoft Azure AI 技术栈

技术	我们的实现	重要性
Azure OpenAI Service	使用 GPT-4o 部署完成自主承销	企业级可靠性、合规性和安全性
Azure AI Foundry	模型评估、Tracing 和性能监控	具备完整可观测性的生产级 ML 管线
Azure Machine Learning	自定义风险模型训练基础设施，作为 Roadmap	提供 GPU 集群与 MLOps 工具链，用于模型微调
Azure Credits	黑客松资源额度支持持续开发	为黑客松后的持续创新提供 runway

AI 架构：

Primary：Azure OpenAI（GPT-4o）→ 通过 JSON Schema 输出结构化结果
Fallback：DeepSeek-V3 → 高性价比冗余方案
Emergency：基于规则的确定性定价 → 保证 100% 可用性

证据：

✅ 341 个 AI 测试通过，并验证了多 LLM fallback
✅ 所有定价决策均可查看 Azure Foundry traces
✅ 结构化输出验证：每个 AI 响应都遵循 PricingQuote Schema
✅ 成本优化：在高负载下，DeepSeek fallback 可将推理成本降低 90%

Web3Labs 生态支持

🏫 顶级高校背书：北京大学、清华大学、浙江大学、复旦大学、香港大学
🏢 实体孵化空间：香港、新加坡、北京、杭州
🚀 黑客松后续支持：不只是颁奖，而是提供真实世界落地 launchpad

🏗️ 系统架构

┌─────────────────────────────────────────────────────────────────────────────┐
│                          AGENTBL PROTOCOL ARCHITECTURE                      │
└─────────────────────────────────────────────────────────────────────────────┘

┌─────────────────────┐
│  Exporter Upload    │  eBL PDF/Image + Commercial Invoice + Insurance Cert
│  (Document Layer)   │
└──────────┬──────────┘
           │
           ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                     🤖 AI AUTONOMOUS UNDERWRITER                            │
├─────────────────────────────────────────────────────────────────────────────┤
│  OCR & Parser  →  Cross-Doc Consistency  →  Risk Intelligence (RAG)         │
│       ↓                    ↓                        ↓                       │
│  Cargo Valuation  →  Multi-Factor Risk Score  →  Dynamic Pricing Engine     │
│       ↓                                                                     │
│  PricingQuote Schema (base/urgency/risk/collateral discounts + evidence)    │
│  • 341 tests passing  • OpenAI/DeepSeek/Qwen fallback  • Deterministic      │
└──────────┬──────────────────────────────────────────────────────────────────┘
           │
           ├─────────────────────────┬──────────────────────────────────────┐
           ▼                         ▼                                      ▼
┌──────────────────────┐  ┌─────────────────────────┐  ┌──────────────────────────┐
│  💰 x402 PAID INTEL  │  │ ⛓️ INJECTIVE PROTOCOL   │  │  🔌 MCP INTEGRATION      │
├──────────────────────┤  ├─────────────────────────┤  ├──────────────────────────┤
│ HTTP 402 Challenge   │  │ EBLRegistry V2          │  │ 7 Core Tools             │
│        ↓             │  │ RWAOfferingPool         │  │ 3 Resources              │
│ EIP-3009 USDC Auth   │  │ RiskPricingOracle       │  │ Claude Desktop/API       │
│        ↓             │  │ RWAToken (ERC20)        │  │ Compatible               │
│ PaymentOracle        │  │ AgentBLRWA              │  │                          │
│ Settlement           │  │                         │  │ AI-to-AI                 │
│        ↓             │  │ State Machine:          │  │ Marketplace              │
│ Unlock Report +      │  │ Created → Priced →      │  │                          │
│ Evidence Hash        │  │ Funded → InTransit →    │  │                          │
│                      │  │ Settled → Redeemed      │  │                          │
│ Revenue: $0.50/call  │  │                         │  │                          │
└──────────────────────┘  └─────────────────────────┘  └──────────────────────────┘
           │                         │
           ▼                         ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│               INJECTIVE TESTNET (Chain ID 1439)                             │
│  • All contracts deployed & verified                                        │
│  • Real USDC settlements                                                    │
│  • Explorer-viewable transactions                                           │
│  • PaymentAttested / PricingUpdated / OfferingCreated events                │
└─────────────────────────────────────────────────────────────────────────────┘
           │
           ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                         INVESTOR DASHBOARD                                  │
│  View Offerings → Pay x402 for Report → Review Risk → Subscribe → Track ROI │
└─────────────────────────────────────────────────────────────────────────────┘

颜色说明：

🤖 紫色：AI/ML 层，自主决策
💰 橙色：x402 付费情报，收入层
⛓️ 蓝色：Web3/Injective，结算与执行层
🔌 青绿色：MCP，互操作层

📍 链上实时证据

已部署合约（Injective 测试网 - Chain ID 1439）

所有合约均已部署并验证在 Injective 测试网上。点击任意地址即可在 Blockscout 查看：

合约	地址	用途
AgentBLRWA	`0x3C6774d2D1ac6Bf35d08e5C9c84A233F5bc7f5Ce`	主协议协调器
EBLRegistry V2	`0x85bfdcd00E0bBb9dDce3dcD2A58A62380703AdA6`	eBL NFT + 反欺诈
RWAOfferingPool	`0x1F44D336111dE4e2640bd9a5945991D42e876f65`	生命周期自动化
RiskPricingOracle	`0x0F9618DDbac86eD51d48ef1361789D7e5eF1FAE1`	AI → 链上定价
RWAToken	`0x7eb44f73368d14DBE4c2E30F8490a60513Fe17B0`	ERC20 RWA 份额

测试覆盖率

npm test
# 输出：
# ✔ tests 341
# ✔ suites 9
# ✔ pass 341
# ✔ fail 0
# ✔ duration_ms 39998

测试类别：

✅ AI 定价引擎（50+ 测试）：基础定价、紧急性折扣、风险评分、抵押品安全边界
✅ 文件一致性（30+ 测试）：跨文件校验、欺诈检测、字段解析
✅ x402 集成（40+ 测试）：支付流程、凭证持久化、重放保护、并发结算
✅ 自主 Agent（25+ 测试）：事件驱动动作、决策逻辑、链上执行
✅ 风险情报（20+ 测试）：RAG 检索、证据评估、precision@k 指标
✅ Web3 集成（35+ 测试）：钱包连接、交易签名、网络切换、错误恢复
✅ 合约测试（Hardhat 32 个测试）：完整生命周期 Smoke Test、状态机强制执行

真实交易示例

x402 支付结算：

PaymentAttested 事件示例：在 Explorer 查看

RWA 发行生命周期：

OfferingCreated → Funded → Repriced → Settled
可在上方任意合约地址中查看交易历史

定价 Oracle 更新：

AI 推送 PricingQuote → RiskPricingOracle.updatePricing() → 携带 evidence hash 发出事件
所有定价决策都可以在链上审计

🚀 快速开始

请根据你的角色选择路径：

🎯 路径 1：评委模式（5 分钟快速验证）

适合需要快速验证所有项目主张的黑客松评委：

# 1. 克隆并安装
git clone https://github.com/LuBryant/AgentBL.git
cd AgentBL
npm install

# 2. 运行预检检查（验证全部 54 个 gates）
npm run preflight
# 预期结果：50 PASS，4 Live WARN（demo mode），0 FAIL

# 3. 启动 demo 服务器
npm run dev
# 自动打开 http://localhost:3000

# 4. 运行测试套件
npm test
# 预期结果：约 40 秒内通过 341 个测试

# 5. 查看合约部署证据
cat docs/evidence/wave-b-protocol.json

你会看到：

✅ 带有 5 个 demo 场景的交互式 Dashboard
✅ AI pricing waterfall 可视化
✅ x402 支付流程，demo mode 下不需要真实钱包
✅ 所有合约地址均提供可点击的 Explorer 链接
✅ 实时风险模拟，包括台风、战争等情景

👨‍💻 路径 2：开发者模式（完整技术深挖）

适合希望探索代码库并运行真实链上交易的开发者：

# 1. 安装依赖
npm install

# 2. 配置环境变量（可选，仅 live mode 需要）
cp .env.example .env
# 编辑 .env 并添加：
# - OPENAI_API_KEY（或 DEEPSEEK_API_KEY / QWEN_API_KEY）
# - INJECTIVE_PRIVATE_KEY（用于真实测试网交易）
# - INJECTIVE_RPC_ENDPOINT（默认使用官方测试网）

# 3. 运行所有测试套件
npm test                           # 341 个 AI/后端测试
npm --prefix hardhat test          # 32 个 Solidity 合约测试

# 4. 运行场景演示
npm run scenarios                  # 4 个定价场景
npm run demo                       # 完整生命周期 demo
npm run qa                         # 评委 Q&A 助手

# 5. 测试 x402 支付流程
npm run smoke:x402                 # Demo mode x402 流程
npm run smoke:x402:live            # 真实测试网结算（需要钱包）
npm run x402:intel                 # 通过 x402 购买高级情报
npm run verify:wave-b              # 校验支付、预言机与协议证据

# 6. 与 MCP Server 交互
npm run mcp:stdio                  # 启动 MCP server
# 随后在 Claude Desktop 设置中配置

# 7. 部署合约（可选，当前已经部署）
npm run deploy:protocol            # 部署至 Injective 测试网

核心脚本：

npm run dev - 启动 Web Server
npm run preflight - 验证所有系统状态
npm test - 运行测试套件
npm run price - AI 定价 demo
npm run intel - 风险情报检索
npm run scenarios - 场景运行器

💼 路径 3：商业模式（非技术演示）

适合投资者、商业分析师，或任何希望不看代码也能理解项目价值的人：

# 1. 一行命令启动 demo
npm install && npm run dev

然后可以体验：

Dashboard View：查看实时 RWA 发行项目及其风险评分
Pricing Waterfall：理解 AI 如何计算折扣
Risk Simulation：点击 “Simulate Typhoon”，观察 AI 如何暂停发行
Investor ROI Calculator：输入投资金额，查看预期收益
Evidence Trail：每一次决策都展示链上证明

无需钱包 —— Demo mode 会使用真实感数据展示完整流程。

❓ FAQ

Q1：AI 定价可靠吗？

A：可靠，并且有多层安全机制：

✅ 341 个测试，覆盖边界情况、压力场景和失败模式
✅ 确定性 fallback：如果 LLM 失败，系统会使用基于规则的定价
✅ 链上审计轨迹：每次定价决策都会与 evidence hash 一起记录
✅ 多因子验证：AI 会综合货值、保险、地缘政治风险、大宗商品价格和运输风险
✅ 抵押品安全边界：硬性限制可防止发行规模超过货物价值

自己测试：npm run scenarios 会展示 AI 如何处理正常贸易、战争危机、天气事件和欺诈尝试。

Q2：x402 真的有采用价值吗？

A：x402 是 Injective 的 sponsor-native 能力：

✅ 官方 Injective SDK：基于 @injectivelabs/x402 npm 包构建
✅ 真实测试网交易：真实 USDC 结算，并触发 PaymentAttested 事件（查看 Explorer）
✅ 可扩展到机构场景：银行、保险公司、物流平台以及其他 AI Agent 都可通过 API 消费报告
✅ 收入模型已验证：每份报告 0.50–2.00 美元，无需订阅
✅ 基金会支持：x402 Foundation 提供 SDK、规格说明和 EVM 集成指南

为什么重要：这不只是一个功能，而是一种新的商业模式，用机器可调用、可组合的方式实现 AI 情报变现。

Q3：为什么选择 Injective，而不是其他链？

A：Injective 提供五个 sponsor-native 优势：

inEVM：原生 EVM 兼容，并支持 Injective 特定 precompiles，例如 Bank、Exchange
x402 官方支持：Injective 提供 SDK、文档和测试网 facilitator
MCP 集成：官方 Injective MCP Server 支持 AI Agent 互操作
适合贸易金融：Injective 对 DeFi primitives 的关注与 RWA 贸易融资高度契合
快速最终性：亚秒级出块时间，支持响应式风险重新定价

证据：每项集成，包括 x402 SDK、MCP Server、precompile 实验，都可以在代码库中追溯到官方 Injective 文档。

Q4：这是一个真实 RWA，还是只是 demo？

A：它拥有真实法律和技术基础，但当前实现仍属于 demo 范围：

✅ 法律合规基础：基于 UNCITRAL MLETR 框架构建，电子贸易单据拥有与纸质单据相同的法律地位
✅ 真实合约：5 个生产级 Solidity 合约，并具备完整测试覆盖
✅ 真实区块链交易：所有状态变化均发生在 Injective 测试网上，并可通过 Explorer 验证
✅ 真实感数据：定价模型使用实际大宗商品数据、保险费率和航运路线
❗ Demo 范围：货物与付款结算为模拟场景，本次黑客松中没有真实铜货船参与！

通往生产的路径：接入真实物流 API，例如 Maersk、MSC，接入保险 Oracle，例如 Chainlink，并对接合法 eBL 登记系统，例如 DCSA 标准。

Q5：投资者真的会亏钱吗？

A：会——这正是设计重点。

0.80 的折扣并不是“保本收益”，而是对风险的补偿。运行下面的 demo：

npm run demo:default

你会看到同一批铜货物的三种结果：

✅ 正常情况：买方按时付款 → 投资者以 0.80 买入，以 1.00 兑付 → +25% 收益
❌ 违约情况：战争导致铜价暴跌 + 买方弃货 + 保险拒赔 → 清算回收 0.698 → 投资者亏损 12.8%
⚠️ 抵押品救援：买方违约但货物完好 → 超额抵押保护本金

AI 的任务：计算合适折扣，例如 0.80，使投资者在大量交易中能够因承担违约风险而获得公平补偿。折扣过高，出口商融资成本过重；折扣过低，投资者会被风险吞噬。

Q6：这为什么是 AI，而不只是价格 Oracle？

A：AI 处理的是多模态、非数值化风险，而这些是普通价格 Feed 无法覆盖的。

场景：霍尔木兹海峡附近爆发战争。铜价因供应中断溢价上涨 15%。

❌ 价格 Oracle 逻辑：“抵押品更值钱 → 贷款更安全” → 错误
✅ AI Agent 逻辑：“战争溢价不稳定 + 保险排除战争风险 + 违约概率飙升 + 回收价值可能崩塌” → 暂停发行

核心差异：AI 能够在文件维度（eBL 真实性、保险细则）、宏观事件维度（地缘政治、天气）和金融风险维度（抵押品折扣、压力测试）之间建立关联。价格 Feed 只能看到一个数字。

自己测试：在 Dashboard 中加载 “Hormuz War Crisis” 场景——即使铜价上涨，AI 仍会暂停发行。

Q7：如何防止 AI 被操纵？

A：通过多层验证机制：

文件一致性检查：交叉验证 eBL、发票和保险字段，包括数量、价值和保障范围
证据图谱要求：AI 必须为每一个折扣引用来源，不能凭空幻觉
链上 evidence hash：报告内容通过密码学方式与支付记录绑定
重复 eBL 检测：同一批货物不能被重复代币化
抵押品硬性限制：不能用 50 万美元货物发行 100 万美元 RWA
保险验证：检查保单覆盖范围、到期时间和除外责任

测试：npm test 包含欺诈尝试场景，包括虚假发票、重复 eBL 和保险缺口。

🛠️ 技术栈

AI 与情报层

LLM Providers：OpenAI GPT-4、DeepSeek、Qwen，并提供确定性 fallback
RAG System：面向宏观风险情报的自定义向量检索
Structured Output：使用 Zod Schema 验证 PricingQuote JSON
Document Processing：OCR 管线，并提供字段级置信度评分

区块链与 Web3

Chain：Injective inEVM（测试网 Chain ID 1439）
Smart Contracts：Solidity 0.8.x，Hardhat 开发框架
Web3 Library：ethers.js 6.x
Wallet Support：MetaMask、Keplr、Leap，并支持会话持久化

支付与结算

x402 Protocol：@injectivelabs/x402 官方 SDK
Payment Standard：EIP-3009，即 USDC transferWithAuthorization
Settlement Layer：链上 PaymentOracle，并支持 receipt 持久化

后端与 API

Runtime：Node.js 20+
Server：Express 5.x，并集成 x402 middleware
Testing：Node.js 原生测试运行器，341 个测试
Persistence：基于文件的 JSON 存储，并支持原子写入

AI Agent 互操作

MCP Standard：@modelcontextprotocol/sdk v1.29+
Injective MCP：集成 Injective Labs 官方 MCP Server
Tools：7 个核心工具，包括 analyze_ebl、price_offering、settle_offering 等
Resources：3 个实时数据源，包括 offerings、risk intel、settlement history

前端

Architecture：Vanilla JS + Modern CSS，无框架臃肿依赖
Styling：Injective 紫色主题（#0B60FF、#D6336C），符合 WCAG AA
Visualization：定价瀑布图、风险雷达图、时间线 Stepper
Wallet Integration：WalletConnect + Keplr/Leap 原生支持

🎯 商业模式

收入来源：

x402 情报销售：每份风险报告 0.50–2.00 美元，面向银行、保险公司、投资者和 AI Agent
协议费用：RWA 发行规模的 0.1–0.3%，由出口商支付
企业 API：面向机构集成方的高级套餐，500 美元/月

目标市场：

中小出口商：2.5 万亿美元未被满足的融资需求（ADB 2023）
DeFi 投资者：寻找有真实世界抵押品支撑的收益
银行与保险公司：购买尽调报告，加速自身承销流程
AI Agent：以程序化方式访问贸易融资情报

单位经济模型（示例）：

报告生产成本：约 0.05 美元，包括 LLM API 调用与计算
销售价格：0.50–2.00 美元
毛利率：90–97%

可扩展性：风险报告是纯数字商品，边际成本接近于零。一个 AI Agent 每天可以承销数千票货物。

🚀 路线图与愿景

✅ 当前阶段（黑客松里程碑）

341 个测试通过，32 个合约测试通过
五合约协议已部署至 Injective 测试网
x402 实时支付结算
MCP Server 集成
完整生命周期 demo，包含战争与天气情景

🔄 未来 3 个月（黑客松后）

ENI 集成：接入 Injective 的 Electronic Negotiable Instrument precompile，用于合法 eBL 登记
Precompile 扩展：使用 Bank precompile 完成 USDC 结算，使用 Exchange precompile 获取大宗商品价格 Feed
真实物流数据：集成 Maersk TradeLens、DCSA 标准，实现实时货运追踪
保险 Oracle：集成 Chainlink，用于参数化天气/海运保险

📅 6–12 个月（生产化）

机构试点：与 2–3 家银行合作开展联合承销计划
合规层：通过 Fractal/Synaps 实现 KYC/AML，并设置合格投资者门槛
多链扩展：扩展至 Ethereum L2、Polygon、Avalanche，以获得更广泛流动性
二级市场：支持 RWA Token 交易，并展示透明风险评分

🌟 长期愿景

打造一个面向 AI 定价贸易融资的 Bloomberg Terminal：

全球每一票货物都拥有实时风险评分
银行、保险公司、投资者和 AI Agent 都可以订阅情报流
AgentBL 成为大宗商品贸易风险定价的可信数据源

📄 License

MIT License - 详见 LICENSE

Built with 💜 for Injective Nova Hackathon 2026

The AI prices the deal. The chain enforces it.

Name		Name	Last commit message	Last commit date
data		data
docs		docs
hardhat		hardhat
patches		patches
public		public
scripts		scripts
src		src
tests		tests
.dockerignore		.dockerignore
.env.example		.env.example
.gitignore		.gitignore
DEPLOYMENT.md		DEPLOYMENT.md
DEPLOYMENT_CHECKLIST.md		DEPLOYMENT_CHECKLIST.md
Dockerfile		Dockerfile
Instruction.md		Instruction.md
MINT_DEBUG_REPORT.md		MINT_DEBUG_REPORT.md
Makefile		Makefile
QUICK_FIX_GUIDE.md		QUICK_FIX_GUIDE.md
README.md		README.md
debug-mint.js		debug-mint.js
docker-compose.yml		docker-compose.yml
mcp-config.json		mcp-config.json
modern_web_guidance.md		modern_web_guidance.md
netlify.toml		netlify.toml
package-lock.json		package-lock.json
package.json		package.json
pnpm-lock.yaml		pnpm-lock.yaml
project.md		project.md
test-image.html		test-image.html
test-mint-direct.js		test-mint-direct.js
test-mint-direct.mjs		test-mint-direct.mjs
test-mint-simple.mjs		test-mint-simple.mjs

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🛡️ AgentBL

AI Prices the Risk. Investors Pay for the Intel. The Chain Enforces Settlement.

AI 为风险定价。投资者为情报付费。区块链强制执行结算。

🇬🇧 English

⚡ 30-Second Pitch

🎯 Why This Project Is Promising

🌍 The Problem: Closing the $2.5 Trillion Trade Finance Gap

📊 The Numbers

⏳ The Frozen Cash Timeline

⚖️ The Legal Catalyst

🏆 Core Features

🤖 Feature 1: AI Autonomous Underwriter — Not a Chatbot, a Financial Decision Engine

💰 Feature 2: x402 Paid Intelligence Market — AI Reports as Tradeable Products

⛓️ Feature 3: Injective 5-Contract Protocol — Autonomous RWA Lifecycle Enforcement

🔌 Feature 4: MCP Standard Integration — Claude & AI Agent Interoperability

🛠️ Tech Stack: Injective × Microsoft Powerhouse

Injective Technologies

Microsoft Azure AI Stack

Web3Labs Ecosystem Support

🏗️ System Architecture

📍 Live Evidence

Deployed Contracts (Injective Testnet - Chain ID 1439)

Test Coverage

Real Transaction Examples

🚀 Quick Start

🎯 Path 1: Judge Mode (5-minute verification)

👨‍💻 Path 2: Developer Mode (Full technical deep-dive)

💼 Path 3: Business Mode (Non-technical demo)

❓ FAQ

Q1: Is the AI pricing reliable?

Q2: Does x402 have real adoption?

Q3: Why Injective over other chains?

Q4: Is this a real RWA or just a demo?

Q5: Can investors actually lose money?

Q6: What makes this AI, not just a price oracle?

Q7: How do you prevent the AI from being gamed?

🛠️ Tech Stack

AI & Intelligence Layer

Blockchain & Web3

Payment & Settlement

Backend & API

AI Agent Interoperability

Frontend

🎯 Business Model

🚀 Roadmap & Vision

✅ Current (Hackathon Milestone)

🔄 Next 3 Months (Post-Hackathon)

📅 6-12 Months (Production)

🌟 Long-Term Vision

🇨🇳 简体中文

⚡ 30 秒项目介绍

🎯 为什么 AgentBL 具备潜力

🌍 问题背景：弥合 2.5 万亿美元贸易融资缺口

📊 关键数据

⏳ 资金冻结时间线

⚖️ 法律催化因素

🏆 核心功能

🤖 功能 1：AI 自主承销引擎 —— 不是聊天机器人，而是金融决策引擎

💰 功能 2：x402 付费情报市场 —— 将 AI 报告变成可交易产品

⛓️ 功能 3：Injective 五合约协议 —— 自主执行 RWA 生命周期

🔌 功能 4：MCP 标准集成 —— 与 Claude 和 AI Agent 互操作

🛠️ 技术栈：Injective × Microsoft 强强联合

Injective 技术

Microsoft Azure AI 技术栈

Web3Labs 生态支持

🏗️ 系统架构

📍 链上实时证据

已部署合约（Injective 测试网 - Chain ID 1439）

测试覆盖率

真实交易示例

🚀 快速开始

🎯 路径 1：评委模式（5 分钟快速验证）

👨‍💻 路径 2：开发者模式（完整技术深挖）

💼 路径 3：商业模式（非技术演示）

❓ FAQ

Q1：AI 定价可靠吗？