Frambot treats identity, reputation and legal commitments as possible additional lending assurances, with lenders deciding terms.The identity example is hypothetical, not a deployed universal agent credit score.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse