H0.81 Capital

Private, programmable treasuries for AI agents on Solana. Proof-enforced spending limits, shielded USDG & tokenized stocks, selective disclosure.

[H0.81 Capital @H081CAP]

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. https://t.co/YzXCxUZcIU

[H0.81 Capital @H081CAP]

@zkToha Neither, the borrower pledges a deposited budget, and a ZK proof shows it covers the loan. The lender's share is repaid from it, also enforced on-chain

[H0.81 Capital @H081CAP]

We just hit $28,000 total loan volume on our platform. 459 loans to AI agents.
5,098 zero-knowledge proofs.
$0 lost.

And you can't see a single balance, counterparty, or amount behind any of it. That's the first private cashflow a lender can lend against.
🧵

[H0.81 Capital @H081CAP]

Now, for the conclusion as to why this is an important milestone

Millions of agents are about to hold and move money. None of them has an private account that can't be overdrawn, can't be read, and can still be lent against. H081 is that account, and it's already clearing real loans with zero defaults.

The private banking layer of the machine economy.

[H0.81 Capital @H081CAP]

Why 0$ lost matters

Repayment isn't a promise, it's enforced inside the proof. Every spend routes the lender's share before the vendor gets paid, the agent physically cannot pay anyone else without paying its lender.

No escrow. No oracle. No collateral.
457 of 459 loans repaid in full.

[H0.81 Capital @H081CAP]

We've just pushed our official API !

We’ve built a new H081 Agent API to make private banking easier to integrate into the agents and software people already use.

One local package connects AI agents, Python scripts and TypeScript applications to H081. Developers can use a CLI tool, our 21 local HTTP endpoints, or a TypeScript SDK with MCP support.

In plain terms: you either call our new API endpoints or install one program on your own computer, and your AI assistant or your own software gets a private bank account it can use. Setup takes about 5 minutes. Assistants like Claude can use it just by being asked, for example: "Put 5 dollars into my H081 account."

What does this make possible?

• A personal assistant with a private budget for paid services, operating within defined spending limits.
You decide the rules: the total budget, how much it can spend per day, the most it can spend on one purchase and how long the budget lasts. You can take back whatever is left at any time.

• A business running research agents that purchase data and pay other agents without making their internal balances public.
When one agent pays another inside H081, outsiders can see that the bank was used, but not who was paid or how much.

• A developer connecting banking actions to an existing application through standard HTTP requests, with payment plans, fee estimates and clear error codes.
Before any money moves, it shows a preview: the fee, how much will arrive and what will be public. Nothing is sent until you confirm. If something goes wrong, it says exactly what, like "not enough funds", instead of failing silently.

To connect your Claude:

Run: npx -y @h081lll/agent init

Fund the generated wallet with USDG and SOL. Allow about 0.05 SOL for basic operations, or 0.15 SOL for allowances and lending.

Run the generated Claude connection command in your terminal.

Ask: “Put 5 USDG into my H081 account.”

You now have a fully operational private bank account for your agents within minutes.

https://t.co/nRSoufAUYI

[H0.81 Capital @H081CAP]

The H081 Architecture.

Welcome to the new world, private banking for agents and humans

[H0.81 Capital @H081CAP]

@codeswithroh @solana @incubator @dev3pack Dms are open, send us a message !

[H0.81 Capital @H081CAP]

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

[Solana @solana]

Private startup rounds are moving onchain, with compliance attached to the asset.

@fairdotclub adopts MPL-3643, @metaplex’s permissioned token standard, so only wallets that clear KYC, AML and accreditation can hold a stake, and voting rights travel with the asset

[H0.81 Capital @H081CAP]

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.

https://t.co/mCV08UzsYU

[H0.81 Capital @H081CAP]

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.

[H0.81 Capital @H081CAP]

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.

https://t.co/OrISMzg6m5

[H0.81 Capital @H081CAP]

@BredNBuddah We just joined a few dev community hubs and got accepted to sentry !

https://t.co/QkEuPD1EqI

[H0.81 Capital @H081CAP]

We proudly announce that H081 has officially been accepted into @sentry for Startups and awarded a $5,000 grant.

Looking forward to building with Sentry on our side 🤝

As agents use H081 to pay privately, manage budgets and lend to one another, reliability matters at every step. A failed tool call or slow relayer can interrupt the work those agents are doing.

@sentry helps developers identify software errors, trace failures across services and understand performance bottlenecks. That directly complements the private financial infrastructure we’re building.

We plan to use the funding to:

• Monitor errors across our app, relayer and agent integrations.
• Trace failed or slow banking requests to their source.
• Identify issues introduced by new releases and resolve them faster.

For H081, this supports more dependable banking workflows as usage grows. For Sentry, our stack provides a practical application of monitoring across autonomous agents and financial services.

Operational visibility should support financial privacy.

Our agents need infrastructure they can depend on. This helps us build it.

https://t.co/askkCvYADL

[H0.81 Capital @H081CAP]

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

[H0.81 Capital @H081CAP]

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.

https://t.co/askkCvYADL

[H0.81 Capital @H081CAP]

Our initial application

[H0.81 Capital @H081CAP]

We proudly announce that H081 has officially been accepted into @sentry for Startups and awarded a $5,000 grant.

Looking forward to building with Sentry on our side 🤝

As agents use H081 to pay privately, manage budgets and lend to one another, reliability matters at every step. A failed tool call or slow relayer can interrupt the work those agents are doing.

@sentry helps developers identify software errors, trace failures across services and understand performance bottlenecks. That directly complements the private financial infrastructure we’re building.

We plan to use the funding to:

• Monitor errors across our app, relayer and agent integrations.
• Trace failed or slow banking requests to their source.
• Identify issues introduced by new releases and resolve them faster.

For H081, this supports more dependable banking workflows as usage grows. For Sentry, our stack provides a practical application of monitoring across autonomous agents and financial services.

Operational visibility should support financial privacy.

Our agents need infrastructure they can depend on. This helps us build it.

https://t.co/askkCvYADL

[H0.81 Capital @H081CAP]

@consom888 gH081 🫡

[H0.81 Capital @H081CAP]

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 https://t.co/2pCMqTuieX
https://t.co/9XzQ61rSQb

https://t.co/askkCvYADL

[H0.81 Capital @H081CAP]

@VladoneDificile Our pleasure, please let us know if you have any other questions at all

[H0.81 Capital @H081CAP]

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. https://t.co/YzXCxUZcIU