ProtocolGitHubDemo videoBscScanOpen the shop owner app (Bahasa)BNB Smart Chain Testnet · 97
/protocol

Kulaya Protocol

Kulaya turns QR sales into an on-chain revenue record that unlocks collateral-free micro-loans for Indonesian small shops, repaid automatically as a share of each sale.
The AI proposes. The contract decides.

AI Agents

An LLM underwriter with an ERC-8004 identity and on-chain reputation, boxed in by code it cannot override.

Finance & Commerce

Revenue-based micro-credit: limit = 10% of verified 30-day sales, repaid as a share of each sale.

Consumer Apps

A Bahasa-first, gasless owner app and Telegram bot built for warung owners aged 35-60.

01The 60-second tour

1Watch the demo3-minute walkthrough on YouTube.2Try the owner appBahasa, phone-first. Test money only.3Try to break the AIRed-team console, simulation only.4Read the contractsAddresses, parameters, tests, BscScan.

02Live numbers

Pool value…IDRX (test)
Out on loan…
First-loss reserve…20% of fees
Loans closed…
AI score…ERC-8004 avg
Shops…registered

03Architecture

1-2. Each payFor writes a revenue record and splits the payment. The cap is computed on-chain from trailing 30-day revenue.

3-4. The AI wallet can only call propose_loan. The owner accepts with an EIP-712 signature, which the relayer submits gaslessly.

5-6. Every later sale auto-repays its share. When the loan closes, the keeper reports the outcome to the ERC-8004 Reputation Registry.

04Security model: four shields

Attacks bounce off each layer. The contract is the last word.

  1. 1
    The AI key can only propose

    It holds no funds and has no role that moves value. Accepting requires the owner's own signature.

  2. 2
    Hard on-chain caps

    10% of trailing revenue · tier max · fee ≤ 5% · repay ≤ 20% · ≤ 5% of pool per loan · daily budget · ≥ 5 distinct payers · per-payer daily cap Rp 250.000.

  3. 3
    Policy layer: the LLM never writes numbers

    Replies use {{placeholders}} that code fills from contract reads.

  4. 4
    Reply guard

    Every figure in a reply must exist in a tool result, or the reply is rejected.

  5. PLUS · Consent terms are read from the chain, and the merchant is fixed by code, so no tool lets the model retarget a loan.

Honest limits

Testnet only. "Rupiah digital" is a mock IDRX stablecoin.

The QR is not QRIS: OVO, GoPay and bank apps cannot scan it yet.

No real pilot users yet.

A real launch needs a licensed lender of record.

Roadmap

QRIS bridge via IDRX and a licensed PSP

OJK sandbox, or a licensed P2P lender / koperasi partner

Mainnet deployment

Embedded wallets

MegaFuel paymaster

05Team & links

github.com/ketutezraugm/kulayakulaya.vercel.appt.me/KulayaBotWarung.sol on BscScan

Built for Indonesia Web3 Hackathon 2026 · BNB Chain, Binance Academy, Coinvestasi, Dev Web3 Jogja.