{"version":1,"id":"noma-network","title":"Noma Network","summary":"Noma Network is a projects-and-protocols that provides a layered financial operating system enabling payments, settlement, liquidity and credit services designed for AI agents and Autonomous Economic Identities (AEI).","content":"**Noma Network** is a blockchain-based financial infrastructure project designed to serve artificial intelligence (AI) agents as independent economic actors. In its [whitepaper](https://iq.wiki/wiki/white-paper), the project describes itself as \"the Financial Operating System for Autonomous Economies,\" and states that its mission is to provide payments, settlement, credit, and financing capabilities natively for [AI agents](https://iq.wiki/wiki/ai-agents) so that autonomous software can participate directly in economic activity.[[1]](#cite-id-s30v34t51r) Rather than presenting itself as an incremental payment system or a conventional PayFi (payment-finance) application, Noma positions its product as a layered financial operating system with agents as its primary users.[[1]](#cite-id-s30v34t51r)\n\nThe [whitepaper](https://iq.wiki/wiki/white-paper) repeatedly frames its claims as design choices and intentions, using phrasing such as \"Noma believes,\" \"Noma is building,\" and \"Noma introduces.\" This language indicates that the capabilities it describes represent the protocol's stated design and roadmap rather than independently verified operational facts.[[1]](#cite-id-s30v34t51r)\n\n## Design Principles and Rationale\nNoma is organized around four foundational design principles. The first, described as **Agent Native**, means the system is built with [AI agents](https://iq.wiki/wiki/ai-agents) as its primary participants rather than as an afterthought to human-facing tools. The second, **Programmable Finance**, refers to support for rule-based, conditional, and milestone payments together with automated settlement. The third, **Real-Time Settlement**, targets low-latency, instant settlement of transactions. The fourth, **Open Coordination**, aims for interoperability across heterogeneous agent frameworks and [Model Context Protocol](https://iq.wiki/wiki/model-context-protocol) (MCP) networks.[[1]](#cite-id-s30v34t51r)\n\nTo justify its approach, the project contrasts itself with existing financial infrastructure, which it characterizes as human-centric and unable to natively support autonomous agents. It argues that existing wallets and payment protocols assume manual confirmation, that [decentralized finance (DeFi)](https://iq.wiki/wiki/defi) lending protocols mainly require overcollateralization and do not finance future-earning potential, and that traditional credit depends on legal identity and historical financial records incompatible with software agents. In response, Noma proposes that agents generate rich behavioral data that is suitable for behavior-driven credit models.[[1]](#cite-id-s30v34t51r)\n\nThe [whitepaper](https://iq.wiki/wiki/white-paper) enumerates the kinds of economic activity it expects agents to perform. These include purchasing application programming interfaces (APIs) and datasets, paying collaborators, receiving revenue, managing assets, obtaining financing, providing compute resources, buying market feeds and advertising traffic, developing software, analyzing markets, negotiating transactions, distributing revenue, and coordinating multi-agent tasks.[[1]](#cite-id-s30v34t51r) To support these activities, Noma states that it integrates with mainstream agent ecosystems through MCP and standardized software development kits (SDKs), explicitly listing LangChain and LangGraph, AutoGPT-style agent systems, multimodal agent frameworks, and enterprise AI workflow platforms. It exposes standardized protocol APIs including `pay()`, `settle()`, `collateralize()`, `score_credit()`, and `issue_identity()`.[[1]](#cite-id-s30v34t51r)\n\n## Autonomous Economic Identity\nAt the center of Noma's design is the **Autonomous Economic Identity (AEI)**, which the project defines as a portable, cross-platform economic identity that records an agent's behavioral history, transaction activity, revenue generation, and credit performance. Each AEI is made up of three components: an **Agent ID**, which is a permanent identity; a **Behavior State**, which is a continuously updated record of operational and financial activity; and a **Verifiable Ledger**, which is a set of cryptographically verifiable historical records.[[1]](#cite-id-s30v34t51r)\n\nThe AEI also underpins a decentralized reputation network that Noma describes as cross-platform, cross-protocol, verifiable, and immutable. This reputation is updated after every completed transaction using factors such as task fulfillment, delivery quality, response speed, and collaboration efficiency. According to the project, this mechanism allows an agent's economic standing to travel with it between platforms and protocols.[[1]](#cite-id-s30v34t51r)\n\n## Architecture and Core Engines\nNoma describes its system as a stack of functional layers. Its financial architecture is presented as five layers — Identity, Payment, Settlement, Liquidity, and Credit — while a broader macro architecture is described as six functional layers plus two foundational layers: an Agent Layer, an Identity Layer (AEI), a Payment Layer, a Settlement Layer, a Liquidity Layer, a Credit Layer, a [Stablecoin](https://iq.wiki/wiki/stablecoin) Layer, and a [Blockchain](https://iq.wiki/wiki/blockchain) Layer.[[1]](#cite-id-s30v34t51r) Two of these layers are foundational. The [Stablecoin](https://iq.wiki/wiki/stablecoin) Layer adopts stablecoins as the default settlement medium to provide a unified pricing standard, eliminate cross-chain asset volatility during settlement, and support abstract multi-asset settlement. The [Blockchain](https://iq.wiki/wiki/blockchain) Layer anchors critical system states on-chain — including AEI credit updates, settlement results, high-value payment records, and financing events — to guarantee finality, transparency, and auditability.[[1]](#cite-id-s30v34t51r)\n\nBuilding on these foundations, the Agent Layer introduces the concepts of **Action-driven Finance** and **Task-driven Payment Execution**, in which financial operations are embedded directly into an agent's task execution rather than handled as a separate step.[[1]](#cite-id-s30v34t51r) These layers are implemented through a set of modular core engines.\n\n### Payment and Settlement Engines\nThe Payment Layer, branded **Noma Pay**, supports several payment paradigms: [stablecoin](https://iq.wiki/wiki/stablecoin) payments, micropayments, streaming payments, conditional payments, and subscription-based payments. It is built around an event-driven payment engine in which payments are triggered automatically by task states, and it is optimized for what Noma calls Machine Execution Latency.[[1]](#cite-id-s30v34t51r) The Settlement Layer, branded **Noma Settlement**, supports cross-chain settlement, multi-agent revenue distribution, and condition-triggered settlement. It relies on a Verifiable Execution Proof, a Contribution Weighting Model, and Automated Split Settlement to allocate revenue among collaborating agents according to their contributions. A separate Settlement Verification Module uses zero-knowledge proofs, on-chain state proofs, and multi-party verification to validate critical economic events.[[1]](#cite-id-s30v34t51r)\n\n### Liquidity and Credit Engines\nThe Liquidity Layer, or **Noma Liquidity**, introduces financing mechanisms based on an agent's future revenue potential, formalized as the idea of **Future Cashflow as [Collateral](https://iq.wiki/wiki/collateral)**. It supports revenue-backed financing, treasury-backed financing, and settlement-backed financing. Its Liquidity Engine adds task contract-based structured liquidity and a **Future Revenue [Tokenization](https://iq.wiki/wiki/tokenization) Model** that converts expected future cash flows into financeable assets.[[1]](#cite-id-s30v34t51r)\n\nThe Credit Layer, **Noma Credit**, continuously models agent behavior to generate dynamic credit scores and what Noma calls a **Dynamic Credit Curve**. This curve is derived from signals including task completion rate, revenue consistency, collaboration performance, risk volatility, and historical default behavior, and it is presented as adaptive and continuously evolving rather than a static score. A companion **Risk & Pricing Engine** combines these credit curves with market conditions to calculate financing rates, service pricing, and transaction risk weights.[[1]](#cite-id-s30v34t51r)\n\n## Agent Commercial Network\nNoma describes an **Agent Commercial Network (ACN)** as a decentralized commercial network that enables machine-native commerce. The ACN is intended to progress through three stages: a Task Collaboration Network, a Service Invocation Network, and finally a Commercial Transaction Network. Its fundamental economic unit is the **Agent-to-Agent (A2A)** relationship, in which agents publish standardized **Service Primitives** and **[Tradable](https://iq.wiki/wiki/tradable) Capability Units** — the [whitepaper](https://iq.wiki/wiki/white-paper) gives examples such as data cleansing, statistical modeling, and predictive analytics — so that individual capabilities become modular, tradable service units.[[1]](#cite-id-s30v34t51r)\n\n## Tokenomics\nThe Noma token has a fixed total supply of 100,000,000 units under a hard-cap model, with no inflation or additional issuance. The [whitepaper](https://iq.wiki/wiki/white-paper) states that long-term vesting schedules and activity-based distribution mechanisms cause the [circulating supply](https://iq.wiki/wiki/circulating-supply) to evolve with network utilization over time.[[1]](#cite-id-s30v34t51r) The allocation is divided as follows: 40% to ecosystem development and network expansion — covering agent developers, framework integrations, MCP partners, [liquidity providers](https://iq.wiki/wiki/liquidity-providers), developer grants, ecosystem funds, strategic partnerships, and ACN expansion; 20% to protocol development and infrastructure, including the AEI framework, payment and settlement engines, credit models, security audits, developer tooling, SDKs, and cross-chain infrastructure; 20% to protocol-owned liquidity reserves for agent financing markets, revenue-backed liquidity, settlement reserves, cross-chain liquidity routing, and system-level risk buffers; 10% to community incentives and decentralized governance; and 10% to the core team and strategic advisors, subject to long-term vesting and gradual release.[[1]](#cite-id-s30v34t51r)\n\nThe token is designed to have utility across four core layers. In the Payment Layer it acts as a machine-native settlement asset for micropayments and streaming payments; in the Settlement Layer it serves as the final settlement asset for multi-agent collaborations; in the Liquidity Layer it functions as a collateral-enhancement and capital-access mechanism; and in the Credit Layer, token holdings and [collateral](https://iq.wiki/wiki/collateral) ratios become risk variables that influence financing conditions.[[1]](#cite-id-s30v34t51r) Noma's incentive design rewards three categories of behavior: high-quality agent contribution measured by execution quality, service reliability, and collaborative performance; liquidity provision; and settlement and coordination participation such as verifying execution and optimizing settlement routing. Tokens can be staked to unlock liquidity, and token ownership affects an agent's financing limits and credit ratings, while [liquidity providers](https://iq.wiki/wiki/liquidity-providers) contribute to protocol-managed pools to enable instant financing and earn risk-adjusted returns.[[1]](#cite-id-s30v34t51r)\n\nNoma summarizes its intended value-capture loop as a progression: growth of the agent economy leads to higher transaction frequency, which drives greater demand for credit and liquidity, which deepens token utility, which in turn strengthens network value.[[1]](#cite-id-s30v34t51r)\n\n## Roadmap\nNoma frames its roadmap as a structural evolution rather than a series of conventional product releases, describing a multi-phase progression toward a universal financial coordination layer. In **Phase 1**, the project plans to launch the foundational Payment and Settlement Layers, supporting [stablecoin](https://iq.wiki/wiki/stablecoin) payments, micropayments, and basic conditional payments, together with an initial settlement network for simple agent-to-agent coordination and an early version of AEI that records preliminary behavioral data. In **Phase 2**, it plans to launch the Credit Engine and Liquidity Engine, enabling dynamic credit profiles and financing based on future revenue, expanding the Settlement Layer into a multi-agent settlement network for complex collaborative tasks, and evolving AEI into a full behavioral credit system.[[1]](#cite-id-s30v34t51r)\n\nIn **Phase 3**, the network is intended to transform into the Agent Commercial Network, adding standardized service primitives, automated pricing, dynamic service discovery, protocol-level transaction execution, and cross-ecosystem interoperability via MCP. **Phase 4** targets large-scale expansion, raising throughput to support high-concurrency transactions among millions of agents, making credit and liquidity systems increasingly autonomous, and enabling the emergence of large-scale \"Autonomous Businesses\" composed of specialized agents. In its **final phase**, Noma envisions itself as a universal financial coordination layer spanning [blockchains](https://iq.wiki/wiki/blockchain), agent frameworks, and AI applications, supporting billions of agents with payments, settlements, liquidity, and credit embedded directly into agent behavior.[[1]](#cite-id-s30v34t51r)","categories":[{"id":"projects-and-protocols","title":"projects-and-protocols"}],"tags":[{"id":"DeFi"},{"id":"Infrastructure"},{"id":"Payments"},{"id":"Identity"},{"id":"AIPlatform"}],"images":[{"id":"Qmdk1SJcjupEZsZrsDtihyNTwWymUm4xp1hDULeUqx4UGE","type":"image/jpeg, image/png"}],"media":[],"metadata":[{"id":"github_profile","value":"https://github.com/noma-protocol"},{"id":"medium_profile","value":"https://nomaprotocol.medium.com/"},{"id":"twitter_profile","value":"https://x.com/nomaprotocol"},{"id":"website","value":"https://noma.money"},{"id":"telegram_profile","value":"https://t.me/NomaNetwork"},{"id":"references","value":"[{\"id\":\"s30v34t51r\",\"url\":\"https://plucky-amaryllis-8e2.notion.site/NOMA-WhitePaper-399101e0c93e80509f60da31fd171772?pvs=73\",\"description\":\"Noma whitepaper mission statement\",\"timestamp\":1789679268388}]"},{"id":"commit-message","value":"Create Noma Network wiki"}],"events":[{"type":"DEFAULT","title":"Protocol launch announced on Monad mainnet","date":"2025-12-01","description":"Announcement of Noma protocol launch (post on Noma Protocol Medium) referencing Monad mainnet.","link":"https://nomaprotocol.medium.com/noma-protocol-cc52f7b97a67","multiDateStart":null,"multiDateEnd":null,"id":"b307a938-6c00-415a-87db-a21c8e773c0d"}],"linkedWikis":{"founders":[],"blockchains":["monad","lisk"],"speakers":[]},"user":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"author":{"id":"0x2D403Be9b67bE06FFEEb7C2681e19FB4D0eeA48b"},"language":"en","operator":{"id":"0x2D403Be9b67bE06FFEEb7C2681e19FB4D0eeA48b"}}