Machine Finance

Turn Machine Data into Financial Credit

Transform IoT device operations and on-chain revenue into verifiable credit scores. Enable revenue-backed lending, hashrate tokenization, and data-driven insurance for the machine economy.

Four Layers of Machine Trust

A complete stack from device identity to decentralized finance. Each layer builds on the previous one.

L1

Machine Identity

Live

Ed25519 keypair generated on-chip. Device identity is cryptographically bound to hardware. Keys never leave the device.

Ed25519 / secp256k1 dual keypair
On-device key generation & NVS persistence
Auto-registration with HashAnchor server
DID-compatible device identity
L2

Machine Attestation

Live

Device telemetry is SHA-256 hashed, Ed25519 signed, and anchored to Polygon via Merkle trees. Cryptographic proof of data integrity.

18+ telemetry fields per attestation
SHA-256 hash + Ed25519 signature
Merkle tree batching (1000 hashes/batch)
On-chain anchoring every 15 minutes
L3

Machine Payment

Live

Pay-per-attestation with USDC. Devices pay 0.00001 USDC per submission via Circle x402 protocol. No API key required.

x402 V2 USDC nanopayments
Circle Gateway settlement
EIP-3009 transferWithAuthorization
Sub-cent per attestation
L4

Machine Finance

New

BTC mining revenue + operational attestations = verifiable credit score. On-chain oracle for DeFi protocol consumption.

BTC payout tracking (mempool.space)
5-dimension credit score (0-100)
Deterministic, reproducible formula
CreditOracle smart contract on Polygon

Credit Score Model

A deterministic, reproducible score computed from on-chain revenue and cryptographically attested operational data. Anyone can verify by re-computing from the published inputs.

Revenue Consistency
30%
Operational Stability
25%
Revenue Efficiency
20%
History Length
15%
Hardware Quality
10%

Verification Chain

Input DataSHA-256(sortKeys(JSON))inputHashMerkle ProofPolygon On-Chain

End-to-End Data Flow

From device telemetry to on-chain credit in five steps.

Device Telemetry

Every 2 minutes, Bitaxe collects 20+ metrics including stratum_user (BTC address), hashrate, power, temperature.

Signed Attestation

Telemetry is SHA-256 hashed and Ed25519 signed on-device. BTC address is auto-extracted and stored.

Revenue Tracking

BTC payout tracker queries mempool.space every 30 minutes. On-chain payouts are linked to device.

Credit Score

Daily computation from 30-day revenue + operational data. Score is anchored to Polygon via Merkle tree.

DeFi Ready

CreditOracle contract on Polygon. DeFi protocols call getCredit(deviceId) for lending decisions.

Why BTC Mining + HashAnchor?

Bitaxe's stratum_user field contains the BTC payout address. Pool payouts are on-chain transactions verifiable by anyone — no oracle needed. Combined with HashAnchor's cryptographically attested operational data, this creates a dual-chain verifiable credit profile: BTC chain for revenue, Polygon chain for operational history.

DeFi Products

HashAnchor provides the verifiable credit data layer. DeFi protocols build financial products on top.

Phase 3

Revenue-Backed Lending

Device operators borrow USDC against future BTC mining revenue. Credit score determines loan terms: Score 80+ = 50% of 3-month projected revenue.

Concept

Hashrate RWA Tokenization

ERC-1155 tokens representing device hashrate output over a fixed period. Backed by historical attestations, revenue, and credit score.

Concept

Data-Driven Device Insurance

Dynamic premiums based on operational telemetry. High stability = lower premiums. Attestation gaps trigger auto-claims.

Start Building Machine Credit

Register your devices, connect BTC payout addresses, and watch credit scores build automatically from real operational data.