ARIA — Autonomous RWA Intelligence Agent

A $50,000 invoice sits in a drawer. A factory waits for cash. A bank wants three weeks of paperwork.

ARIA closes that gap in minutes — not with another dashboard, but with a council of AI agents that read the invoice, pay for credit data, vote on-chain, mint a collateralized NFT, and route liquidity from a DeFi vault. Every decision is signed. Every asset is auditable. Every yield is real cash flow from settled invoices — on Casper.

Built for the Casper Agentic Buildathon 2026 · Casper Testnet · Open source.

Problem Statement

Small and mid-sized enterprises (SMEs) worldwide rely on trade finance — invoices, purchase orders, and receivables — to keep operations running. Yet accessing liquidity against these assets remains painfully slow:

• Manual underwriting takes days or weeks; credit committees are expensive and opaque.
• Off-chain paperwork doesn't travel — investors can't verify claims or enforce recourse digitally.
• DeFi liquidity exists, but lacks a trust layer for real-world assets: who validates the invoice? Who prices the risk? Who signs on-chain?

The result: idle capital on one side, unfunded invoices on the other, and no autonomous bridge between them.

Solution

ARIA (Autonomous RWA Intelligence Agent) is an agentic underwriting and liquidity platform on Casper Network. Agents don't just advise — they analyze, pay, vote, sign, monitor, and settle autonomously. Humans submit invoices and deposit liquidity; everything in between is agent-driven and on-chain auditable.

End-to-end flow

1. Submit — An SME uploads a trade finance document (PDF/XML/JSON). Gemini extracts structured fields; a SHA-256 hash anchors provenance.
2. Council deliberates — Risk, Valuation, and Compliance agents run in parallel, each producing an APPROVE/REJECT vote with reasoning.
3. Consensus → chain — The Orchestrator synthesizes votes with Gemini. Approved assets trigger: council vote finalization on AgentCouncil, CEP-78 NFT mint on RwaRegistry, collateral lock in LiquidityVault, and instrument registration in SettlementEngine.
4. Earn yield — LP depositors fund the pool. At maturity, settlement repays principal + interest; net yield distributes pro-rata to ARIA-LP holders.

The Observatory streams live agent deliberations via SSE. The Vault shows TVL, utilization, and on-chain proof of every funded claim.

What makes ARIA different

Agents pay for their own data (x402)
Risk, Valuation, and Compliance agents don't scrape free APIs — they settle x402 micropayments before every external call (credit bureau, FX rates, KYC, market data). Each payment carries cryptographic proof; larger amounts settle on-chain in CSPR. Data acquisition is machine-to-machine commerce, built into the underwriting pipeline — not a demo sidebar.

Agents make binding decisions — humans don't underwrite
Each council agent holds its own ED25519 key, runs Gemini inference on paid data, and casts a real on-chain vote via AgentCouncil. The Orchestrator only synthesizes consensus — it does not override specialist votes. Approval requires council quorum (3-of-3 votes); only then does the pipeline mint the RWA NFT, lock vault collateral, and register the instrument. The human appears at submission and deposit — not in the credit committee.

Sentinel Agent — 24/7 post-approval monitoring
After an asset goes ACTIVE, the Sentinel runs on a scheduled BullMQ job (sentinel-scan). It re-evaluates live positions with Gemini, emits SENTINEL_ALERT events to the Observatory, and can trigger on-chain liquidation when risk delta exceeds the configured threshold — protecting LP capital without manual intervention.

Agent Reputation — on-chain accountability loop
Every council vote is recorded in Postgres and on-chain. When an RWA reaches a terminal outcome (settled or defaulted), scoreAgentReputationsForRwa() scores each agent: APPROVE on a repaid asset = correct; REJECT on a default = correct. Scores persist in agent_reputation and sync to RwaRegistry.update_reputation on Casper Testnet. Over time, agents build a verifiable track record — a self-improving meritocracy for AI underwriters.

Automated Settlement — real yield, not synthetic APY
The settlement-check cron scans matured instruments and runs settleMaturedRwa(): on-chain repayment via SettlementEngine, yield received into the vault, collateral released, and pro-rata yield distributed to LP positions (distributeYieldToLps). Pool Yield Realized and per-wallet YIELD EARNED reflect actual settled cash flows — the 18% APY shown in the Vault is a forward estimate until invoices mature.

Tech Stack

Layer	Technology	Role in ARIA
Frontend	Next.js 16 · React 19 · Tailwind · TanStack Query · Zustand	Dashboard: Submit · Observatory · Vault · Portfolio
Backend	Node.js · Express · TypeScript · BullMQ · node-cron	REST API, job queues, agent orchestration
Database	PostgreSQL (Supabase)	RWA submissions, agent votes, vault positions, settlement events
Queue / Cache	Redis (Upstash) + BullMQ	rwa-pipeline · sentinel-scan · settlement-check workers
LLM	Google Gemini 2.5 Flash	Agent reasoning, document parsing, council synthesis
Blockchain	Casper Testnet · casper-js-sdk	Deploys, queries, wallet signing
Smart Contracts	Odra (Rust/WASM)	RWA Registry · Agent Council · Liquidity Vault · Settlement Engine

Casper AI Toolkit Usage

Toolkit Component	How ARIA Uses It
x402 Micropayments	Risk, Valuation, and Compliance agents pay per API request before fetching credit, FX, KYC, and market data. Supports signed deploy proofs (< 2.5 CSPR) and on-chain transfers for larger amounts.
MCP Servers	MCP client layer for blockchain queries and trade operations — contract state reads, vote counts, deploy submission. Initialized at backend startup alongside agent workers.
CSPR.click / Agent Keys	Each agent (Risk, Valuation, Compliance, Orchestrator, Sentinel) holds its own ED25519 key pair. Agents sign and broadcast on-chain council votes autonomously.
CSPR.cloud APIs	Deploy status polling, node RPC streaming, and event watching for transaction finality during mint, lock, and settlement flows.
Odra Framework	Four production contracts compiled to WASM and deployed on Casper Testnet: NFT registry, voting council, LP vault, and maturity settlement.

Architecture

Demo

https://www.youtube.com/watch?v=Jv1iwIuFSjE

Installation

Prerequisites

• Node.js 20+
• Casper Wallet extension (testnet CSPR for gas + vault deposits)
• Gemini API key
• Deployer + agent key pairs (see scripts below)
• Database: local Docker or Supabase Postgres
• Redis: local Docker or Upstash Redis

1. Clone & install

git clone https://github.com/ChiJian28/ARIA.git
cd ARIA

cd backend && npm install
cd ../frontend && npm install

2. Infrastructure

Option A — Local Docker (dev)

cd backend
docker compose up -d   # Postgres :5433 · Redis :6379

Option B — Cloud (demo / deploy)

Use Supabase connection string + Upstash rediss:// URL in .env (see .env.example).

3. Backend configuration

cd backend
cp .env.example .env
# Fill in: DATABASE_URL, REDIS_URL, GEMINI_API_KEY, contract hashes, agent key paths

Generate keys and deploy contracts (Testnet):

npm run generate-deployer-key
npm run generate-keys
npm run deploy-contracts
npm run register-agents
npm run fund-agents

Start the backend (runs migrations, BullMQ workers, cron schedulers, SSE listener):

npm run dev    # http://localhost:3001

4. Frontend configuration

cd frontend
echo "NEXT_PUBLIC_API_URL=http://localhost:3001" > .env.local
echo "NEXT_PUBLIC_CSPR_ENV=testnet" >> .env.local
npm run dev    # http://localhost:3000

Future Roadmap

Item	Notes
Real third-party APIs	Replace local gateway mocks with live Credit Bureau, FX, KYC, and Market Data providers
Mobile-responsive UI	Current dashboard is desktop-first; optimize Observatory theater and Vault for mobile
More asset types	Extend beyond invoices to purchase orders and trade receivables
Live MCP integration	Extend the current casper-js-sdk + CSPR.cloud integration by adopting the production Casper MCP Server and CSPR.trade MCP for agent-native blockchain interactions.