Adelanto

Pesos in three taps, without selling your dollars. Live on Celo mainnet, inside MiniPay, with an agent that looks after the loan.

Argentines save in dollars because the peso loses a third of its value a year. When rent or stock for the shop is due in pesos, they sell dollars they never get back, or pay a bank 64.63% a year (BCRA, 2 Nov 2026).

ADELANTO is the third way. Lock USDT in MiniPay, receive Ripio's wARS in the same minute, and keep your dollars. The rate is 22% a year when the pool is idle, 36% at 80% use. Anyone holding wARS can lend into the pool and earn.

Then you tell the agent what to do, in your own Spanish: "Cuando me entren pesos de ventas, pagá el préstamo con eso. Nunca vendas mis dólares." ADELANTO reads every number back, you sign once, and the LoanGuard contract stores your caps with the hash of your exact words. From then on the agent:

• repays from pesos as they arrive, quoting your rule
• protects the loan at 70% with your own dollars or pesos, inside your caps
• if it ever must sell, sells only the smallest slice (GentleKeeper, on chain), never the whole guarantee
• pauses new loans when the pool price leaves Binance and dolarapi
• tells you on the site and on Telegram, and sends a weekly summary checked against the chain
• buys a second read of the chain through buy before it moves money

Every loan repaid on time goes into a public credit record (CreditBook): lower rate, higher limit. Other agents pay ADELANTO over x402 for the peso rate, quotes and credit records, and use its MCP server to build borrow and repay transactions. Ripio's off-ramp takes the pesos to a bank.

What happened on mainnet:

• 7 loans of 1,000 pesos; 6 repaid on time
• 2 from people outside the team; one repaid and rated the agent 5 of 5 on ERC-8004
• the agent repaid 910 pesos on its own, 5 times, quoting each rule; a whole loan ran in MiniPay on an iPhone
• 2 x402 sales, 3 paid buy calls, the first weekly summaries written by the agent
• 63 of 63 transactions carry our ERC-8021 tag; npm run verify rebuilds every loan from the chain alone

Built on: Ripio wARS and off-ramp · MiniPay · ERC-8004 identity and reputation (agent #10043) · ERC-8021 attribution · x402 through Celo's facilitator · buy (Chainstack's Celo node) · MCP · Uniswap v3 on Celo · Telegram · Morpho on Ethereum for the rate watch.

Five verified contracts, 296 TypeScript and 232 Solidity tests, every number in the repo generated from the chain.

Try a real 1,000-peso loan for about US$1: https://adelanto.space/probar

For the judges

• Agent wallet and x402 PayTo: 0xB93A6B8f3bF182780e0366bE0eC6bD027c4CB2d1 (ERC-8004 #10043)
• buy: Chainstack's Celo RPC via https://gateway.usebuy.ai/chainstack/celo, paid in USD₮ from the agent wallet.

Who it is for: the borrower. Before the agent repays, protects or sells, and before each weekly summary, it reads the same block from a node we do not run; if the two disagree it holds and moves nothing. US$0.01 a batch, capped at US$0.05 a day.

Proof: https://celoscan.io/tx/0xb31f9ca9ce650470f04832fc83195e29d9cc70880057b941184a0d6d66761b40 · all receipts: https://github.com/Jennycruzy/adelanto/blob/main/evidence/buy/purchases.json

• Sponsored gas: only x402 payments in wARS, where Celo's facilitator settles by Permit2, sponsors the permit's gas and sends from its own wallet; our code is declared in every 402 through the builder-code extension. Everything else is paid by our wallets or the borrower's (MiniPay pays gas in USDT).

Judges' guide: https://github.com/Jennycruzy/adelanto/blob/main/docs/judges.md