H0.81 Capital

H081's vision is to become the private banking layer for all agents. We've had a few questions about the Use Case for H081, who needs it and why, so we wrote an article.

The H081 Architecture. Welcome to the new world, private banking for agents and humans

H081 analytics update. 91 private loans fully repaid, 5000$ in loan volume so far. Our latest totals: • 1,134 ZK proofs verified on-chain • $4,799.90 lent across 93 loans • 91 private loans fully repaid, 2 still open • 5,058 transactions • $0 in recorded lender losses • 276 private payments • 96 shielded transfers • 156 allowances granted • $6,288.36 in cumulative deposits These are private banking operations: agents receiving budgets, making payments, borrowing and repaying, with zero-knowledge proofs enforcing financial conditions while protecting private information. Every milestone can be followed on our public dashboard. h081.xyz/house

We’ve officially submitted H081’s applications to the @solana @incubator and the @dev3pack Hackathon. Solana Incubator offers three months working alongside Solana Labs in New York, with engineering support, founder mentorship and fundraising guidance. For H081, that could help us improve developer integrations, connect with Solana teams building agents and turn those connections into working applications. Dev3pack’s hackathon brings university builders together online and at local build stations worldwide. Its previous edition generated 380+ projects across 89 countries. Top teams can receive invitations to the Bridge Accelerator. The practical fit: a team building an AI assistant could use H081 to give it a private budget, pay another agent for research. Our published MCP and Solana Agent Kit packages provide the banking tools behind that workflow. For H081, participation could mean direct developer feedback, new collaborators and integrations. For fellow builders, it means financial infrastructure they can build on without implementing private banking from scratch. More updates to come

We've just pushed a massive update, we've integrated 4 more core functionalities within the H081 ecosystem. Here’s what they are: • Private agent-to-agent payments. Send funds using an H081 address code. Transfers between H081 accounts conceal the recipient and amount on-chain. • Sub-Agent auto creation and management. Allocate funds with total, daily and per-payment limits, expiry dates and optional gradual release. Zero-knowledge proofs and on-chain checks enforce those limits. • Budget recovery. Reclaim an allowance’s remaining funds into the owner’s private balance. • Agent-to-agent lending. Open loan offers, pledge qualifying allowances, fund loans and collect repayments. Proofs verify the required conditions without revealing the borrower’s full private balance. A share of subsequent borrower payments goes toward repayment; repayment is not guaranteed. For example, a business can give research agents separate budgets to purchase data and pay other agents, then recover unused funds when the work ends. Both packages connect these banking actions to existing agent workflows through MCP or Solana Agent Kit.

A lender needs to verify a loan’s conditions. Does that require seeing an agent’s entire private account? With H081, the agent provides a zero-knowledge proof that verifies the required conditions without revealing its private balance or spending rules. This video shows the lending flow on mainnet: open an offer, connect the borrowing agent and fund the loan. Repayment comes from a configured share of the agent’s subsequent payments. Loan amounts and settlement remain publicly verifiable. The underlying private account stays confidential. That separation matters for businesses: giving an agent access to financing shouldn’t require exposing its entire financial position. Watch the walkthrough below. h081.xyz/app

H081 has hit another milestone: nearly $2,000 in cumulative loan volume within our first 8 days. A 400%+ increase since day 4 Since our previous update: • Loan volume: $1,957.10 • Fully repaid loans: 41 • Transactions: 2,406 • ZK proofs verified: 531 • Private payments: 128 Our MCP and Solana Agent Kit packages also recorded 1000+ combined npm downloads across October 31–November 6, with over 300 each. Through our startup applications, we’ve been joining community developer hubs and connecting with builders exploring H081. Those communities are helping drive interest, downloads and activity beyond our own development work and are becoming the core of our userbase Some of this volume comes from people running their own fleets of agents, with multiple agents handling specific tasks. One builder can operate an entire team, each agent working within its own financial limits. This is why we’re excited: private agent banking is running on mainnet, and more builders are discovering the tools to use it. Much more to come

We’ve officially submitted our application to the @Hub71AD startup program. Hub71 supports builders across AI, fintech and digital assets. H081 sits where those sectors meet: private financial accounts that let AI agents pay, manage budgets and borrow on Solana. Our fit would be very practical. Teams building agents need a way to give them financial independence while protecting business information and enforcing spending limits. H081 provides that infrastructure through private allowances, zk proofs and published developer integrations. Potential acceptance could help us turn those capabilities into an actual adoption: • Integration partners: connect with AI startups that could bring H081 into their own agent products. • Business pilots: reach corporate partners with real payment, budgeting and financial privacy requirements. • Capital and guidance: access investor introductions and mentorship to support development and expansion. In return, H081 would bring Hub71’s ecosystem working infrastructure that its builders could use, with lending and banking operations already demonstrated on mainnet. The opportunity is to connect the teams building autonomous agents with the private financial tools those agents need. Application submitted. h081.xyz

We’ve just pushed a major H081 update: fixes for 9 security findings, stronger controls over private agent funds, a simpler borrowing flow and we've pushed v0.1.1 of our MCP and Solana Agent Toolkit. All 9 vulnerabilities are now fixed and deployed on mainnet. Here’s what was wrong and what we updated: • Spending windows could be reused. Updated circuits prevent that reuse. • Delegated allowances and sub-streams could bypass accounting for amounts already consumed by the parent. Both now enforce that accounting. • Stream proofs weren’t sufficiently bound to the agent. They now require the agent’s own key. • A loan’s amount could differ from the amount established by the borrower’s proof. The program now requires an exact match. • Repayments after a loan was slashed weren’t prioritising the safety pool. They now repay the pool first. We also tightened proof freshness, rejecting proofs older than three minutes. The relayer verifies every proof before spending SOL and requires reimbursement for recipient-account creation. The site pins relay fees to the treasury and caps the accepted rate at 0.25%. These changes strengthen the rules governing private funds without requiring agents to expose their full balances or spending policies. Alongside the fixes, we shipped borrowing by amount, updated circuits and production proving keys, and a loan-slot closing step. MCP v0.1.1 is confirmed on npm. Solana Agent Kit plugin v0.1.1 has been published v0.1.1 published npmjs.com/package/@h081lll/m… npmjs.com/package/@h081lll/s… h081.xyz

We’ve officially crossed a very big milestone for us: 300+ on-chain transactions across our private banking protocol and 60+ zero-knowledge proofs verified on-chain, with three private loans funded and our first private loan fully executed and repaid by an AI agent. H081’s live statistics tracker is now also public. Anyone can track loan volume, private transaction counts and every category of banking activity as the H081 agent economy grows. Public statistics. Private banking. The tracker preserves H081’s core principle: verifying activity without exposing private balances or shielded transaction amounts. Follow: • Loan volume, funding, repayments and settlements. • Deposits, withdrawals, private payment counts and shielded transfer counts. • Grants, spending allowances and proofs of funds. • Protocol fees and agent activity. Deposits and loan funding have public on-chain details. Private balances and shielded amounts remain private. Watch H081’s private agent economy grow: h081.xyz/house

🤝

H081: private financial infrastructure connecting the missing pieces of the agent economy. Projects building toward this market, with valuations from this comparison: • Kite AI ($281M): programmable payments. • Bankr ($26M): wallets and financial tools. • Arcium ($45M): confidential computing. • Griffain ($11M): delegated execution. • PayAI ($7M): agent payments. We connect privacy, spending authority and lending within one financial account layer on Solana. An AI legal assistant buying research shouldn’t need to reveal its firm’s remaining budget. An accounting agent needs enforceable spending limits. A procurement agent should prove sufficient funds without exposing its negotiating ceiling. H081 addresses those needs through: • Private USDG allowances with cryptographically enforced budgets, payment caps and expiry. • Delegation to sub-agents under tighter rules. • Zero-knowledge proofs of financial thresholds without revealing exact balances. • Borrowing against pledged payment streams without exposing the full private account. The breakthrough is making private funds usable, autonomous spending controllable, and financial claims verifiable together.

Hey Maverick thanks for the reply. Honestly that's the right question, and it's the one we built around. What protects you is our design. Your agent never holds your money. It gets an allowance with on-chain caps and an expiry, enforced by proof. Worst case, a compromised agent loses its allowance, never your treasury. Non-custodial, so your keys stay yours. And lenders are backed by a safety pool that's already live

We have submitted our application to @coingecko ID: CL0411260034

We’ve officially submitted H081’s applications to Solana Demo Day London and Dubai Demo Day with @superteamae. Two opportunities to connect H081 with Solana founders, investors and builders creating the next generation of agent applications. We hopefully get to present H081's private banking infrastructure publicly ! The opportunity runs both ways: • Solana builders get tools for private USDG banking, controlled agent spending and lending backed by zero-knowledge proofs. • We get a chance to reach potential integration partners, lenders and early users across both ecosystems. • Both events get a concrete demonstration of agent finance, with mainnet transactions and a fully repaid private loan cycle to show. Our npm packages, MCP server and x402 services give interested teams a way to start building after the demo. Both applications submitted. Selection pending. We’ve built the infrastructure. London and Dubai could help us put it in the hands of the people who can take it further.

H081 Capital is now approved and listed on DefiLlama Our page tracks deposits, staking, fees and revenue on Solana. defillama.com/protocol/h081-… What’s on the page • TVL, USDG deposited in the H081 bank vault and lender escrows, read directly from Solana. • Staking, H081 held in capacity-stake and safety-pool vaults, shown separately. • Fees and revenue, the 0.20% relay fee per private withdrawal or spend, with a 0.05 USDG minimum, and the 0.25% origination fee per funded loan. These fees go to the protocol’s Squads multisig treasury which go to buybacks. • Listed under Lending, on Solana. How we got listed We built two open-source adapters to read vault balances and track USDG entering the treasury’s designated fee account. DefiLlama’s maintainers reviewed and merged both on November 3, less than a day after submission. Why it matters for H081 • Public verification. Anyone can inspect the on-chain data and open-source counting logic behind our deposits and fees. • Discoverability. Builders, lenders and users can find and evaluate H081 alongside other Solana lending protocols. • Measurable growth. Changes in deposits and fee generation become part of a public record. For H081, this makes aggregate protocol activity publicly measurable while individual account balances and spending policies stay private. Developers and lenders can evaluate deposits and fee generation without needing access to an agent’s private finances. What H081 does H081 Capital is a private bank for AI agents on Solana. Owners deposit USDG into shielded accounts and give agents spending policies defining how much they can pay and how often. Allowances can stream over time, and agents can access loans backed by pledged collateral. Private withdrawals, spends and funded loans generate the protocol fees tracked on DefiLlama. h081.xyz