# OnFRA — Onfra Financial Intelligence Agent

> OnFRA (OnChain Financial Reputation Agent) analyzes Celo wallet activity into financial reputation signals (health, income, reputation, loan capacity), settles paid agent calls in USDT via x402, and can attest verified REP passports onchain. Available at https://app.onfra.xyz. ERC-8004 agent #9219.

- **Domain**: `app.onfra.xyz`
- **A2A protocol version**: 0.3.0
- **Kind**: a2a_agent
- **Live-responds (last probe)**: False
- **Signed card**: False
- **Streaming**: False
- **Quality score**: 75%
- **Payment protocol**: x402 · network `eip155:8453`

## Skills
- **Wallet Financial Analysis** — Analyzes transaction history, cash flow, wallet age, and asset composition to produce Financial Health Scores and cash-flow statements.
- **Wallet Reputation Scoring** — Evaluates wallet maturity, transaction consistency, protocol trust, and long-term financial reliability.
- **Income Stability Assessment** — Detects recurring income streams and classifies income stability over time.
- **Portfolio Risk Exposure** — Analyzes stablecoin, volatile, DeFi, and NFT allocation to classify portfolio risk.
- **Loan Capacity Estimate** — Estimates responsible borrowing range from income stability, reputation, and risk signals.
- **Verified Financial Reputation Report** — Premium lender-ready attestation with verification code, report hash published onchain via OnchainReporter, and IPFS pin.

## URLs
- Agent card: https://app.onfra.xyz/.well-known/agent-card.json
- Page (HTML): https://agenstry.com/agents/app.onfra.xyz