Dishub.city

Protocol architecture

A concise map of how the Agentic P2P funding protocol coordinates matching, risk controls, and contract execution.

Agentic P2P protocol

Borrowers and lenders interact through autonomous negotiation agents that standardize deal terms, eligibility checks, and disclosure before any capital moves.

Smart contract mediation

Every matched deal routes through an on-chain mediation contract that governs disbursement, repayment milestones, covenant checks, and dispute escalation logic.

Collateral and tokenized assets

Collateral can be represented by tokenized real-world or digital assets, with custody proofs and liquidation rules embedded in contract clauses to protect downside.

Credit-score model

Risk scoring combines repayment history, collateral health, transaction behavior, and verified external signals into a transparent scorecard used by both sides.

Information flow

  1. 1. Intake and intent: borrower and lender agents submit constraints and risk appetite.
  2. 2. Match and mediate: protocol negotiates terms, then compiles a smart-contract packet.
  3. 3. Secure funding: collateral proofs are verified before disbursement.
  4. 4. Monitor and score: repayment and behavior events update scorecards continuously.

Evolution roadmap

Phase 1 — Rule-based matching

Deterministic profile matching, manual underwriting overrides, and basic covenant templates.

Phase 2 — Assisted autonomy

Agent-assisted negotiation, dynamic collateral monitoring, and programmable repayment workflows.

Phase 3 — Adaptive protocol

Continuous model learning, multi-chain settlement paths, and composable liquidity for secondary credit markets.