Three macro shifts are converging.

Financial markets are moving onchain. Tokenized equities, commodities, and real-world assets will trade 24/7 on blockchain rails. Autonomous AI agents are entering the economy—trading, providing services, coordinating capital without human intervention. And onchain capital coordination is becoming the default for protocols, DAOs, and institutions operating in decentralized finance.

Each of these shifts requires something that doesn't yet exist at scale: a shared behavioral layer. A way to assess trust, price risk, and allocate incentives based on what wallets and agents actually do—not what they claim.

Today, we're introducing ZeruAI.

Zeru Finance is now ZeruAI.

The rebrand reflects an evolution in scope. We started as a DeFi-native reputation protocol. We're now building behavior intelligence infrastructure—serving not just crypto protocols, but institutions, neobanks, and the emerging agentic economy.

Our product architecture is now simpler:

Two primitives. One infrastructure layer.

• zScore — Universal behavioral reputation. A wallet-level score (0–1000) derived from onchain economic activity across lending, trading, staking, and governance. Queryable via API. Mintable as an onchain credential.

• Zaps — Protocol-specific economic contribution. Measures real usage—swaps, LP, staking, governance—filtered for quality over volume. Powers incentive design, leaderboards, and reward coordination.

zScore tells you who someone is. Zaps tell you what they're doing.

The timing isn't coincidental.

Tokenized markets are inevitable. When equities, commodities, and prediction markets move to 24/7 onchain trading, participants will need reputation infrastructure that works across assets and jurisdictions. Credit bureaus don't cover wallets. ZeruAI does.

Agents are entering the economy. Autonomous AI systems are already trading, providing liquidity, and coordinating capital onchain. They need identity, reputation, and discovery mechanisms to interact trustlessly. We're extending zScore to agents via AgentScan—decentralized reputation for autonomous systems, aligned with ERC-8004.

Incentive design is broken. Protocols distributed over $4 billion in airdrops last year. Research shows 88% of those tokens declined in value within months, with 64% of recipients selling immediately. Behavior-based distribution using zScore could have saved an estimated $7.3 million in wasted value across just three analyzed campaigns. The industry needs better tools.

ZeruAI is built for what's coming—not just what exists today.

zeruai.org — Our new home. Infrastructure positioning, methodology documentation, and enterprise use cases.

zaps.wtf — The user-facing product. Leaderboards, campaigns, and zScore minting. Public launch February 2026.

AgentScan — Agent identity and discovery infrastructure at agentscan.tech. Register agents, build reputation, get discovered.

zScore API — 320M+ wallets scored across 6+ chains. Available now for integration.

If you minted a zPass: Your image is unchanged. It's now called a zScore. Same contract, same credential, same benefits. Nothing to migrate.

If you're using the zPass API: Endpoints remain functional. We'll be updating documentation to reflect the new naming. No breaking changes.

If you bookmarked zeru.finance: It will redirect to zeruai.org. Update your bookmarks when convenient.

• February: zaps.wtf public launch with referral functionality

• March: First protocol Zapperboard campaigns go live

• Ongoing: zScore API expansion, AgentScan enhancements, institutional partnerships

We're building the behavioral intelligence layer for onchain and agentic economies. The infrastructure is live. The primitives are composable. The research is peer-reviewed.

Explore what's new:

→ zeruai.org → Check your zScore → Read the research → Get API access

Three macro shifts are converging.

Financial markets are moving onchain. Tokenized equities, commodities, and real-world assets will trade 24/7 on blockchain rails. Autonomous AI agents are entering the economy—trading, providing services, coordinating capital without human intervention. And onchain capital coordination is becoming the default for protocols, DAOs, and institutions operating in decentralized finance.

Each of these shifts requires something that doesn't yet exist at scale: a shared behavioral layer. A way to assess trust, price risk, and allocate incentives based on what wallets and agents actually do—not what they claim.

Today, we're introducing ZeruAI.

Zeru Finance is now ZeruAI.

The rebrand reflects an evolution in scope. We started as a DeFi-native reputation protocol. We're now building behavior intelligence infrastructure—serving not just crypto protocols, but institutions, neobanks, and the emerging agentic economy.

Our product architecture is now simpler:

Two primitives. One infrastructure layer.

• zScore — Universal behavioral reputation. A wallet-level score (0–1000) derived from onchain economic activity across lending, trading, staking, and governance. Queryable via API. Mintable as an onchain credential.

• Zaps — Protocol-specific economic contribution. Measures real usage—swaps, LP, staking, governance—filtered for quality over volume. Powers incentive design, leaderboards, and reward coordination.

zScore tells you who someone is. Zaps tell you what they're doing.

The timing isn't coincidental.

Tokenized markets are inevitable. When equities, commodities, and prediction markets move to 24/7 onchain trading, participants will need reputation infrastructure that works across assets and jurisdictions. Credit bureaus don't cover wallets. ZeruAI does.

Agents are entering the economy. Autonomous AI systems are already trading, providing liquidity, and coordinating capital onchain. They need identity, reputation, and discovery mechanisms to interact trustlessly. We're extending zScore to agents via AgentScan—decentralized reputation for autonomous systems, aligned with ERC-8004.

Incentive design is broken. Protocols distributed over $4 billion in airdrops last year. Research shows 88% of those tokens declined in value within months, with 64% of recipients selling immediately. Behavior-based distribution using zScore could have saved an estimated $7.3 million in wasted value across just three analyzed campaigns. The industry needs better tools.

ZeruAI is built for what's coming—not just what exists today.

zeruai.org — Our new home. Infrastructure positioning, methodology documentation, and enterprise use cases.

zaps.wtf — The user-facing product. Leaderboards, campaigns, and zScore minting. Public launch February 2026.

AgentScan — Agent identity and discovery infrastructure at agentscan.tech. Register agents, build reputation, get discovered.

zScore API — 320M+ wallets scored across 6+ chains. Available now for integration.

If you minted a zPass: Your image is unchanged. It's now called a zScore. Same contract, same credential, same benefits. Nothing to migrate.

If you're using the zPass API: Endpoints remain functional. We'll be updating documentation to reflect the new naming. No breaking changes.

If you bookmarked zeru.finance: It will redirect to zeruai.org. Update your bookmarks when convenient.

• February: zaps.wtf public launch with referral functionality

• March: First protocol Zapperboard campaigns go live

• Ongoing: zScore API expansion, AgentScan enhancements, institutional partnerships

We're building the behavioral intelligence layer for onchain and agentic economies. The infrastructure is live. The primitives are composable. The research is peer-reviewed.

Explore what's new:

→ zeruai.org → Check your zScore → Read the research → Get API access