Behavior Intelligence Infrastructure

The Trust Layer
for Machine
Economies

ZeruAI builds the behavioral data and inference layer that powers trust, capital allocation, and coordination across onchain and agentic economies - collectively referred to as machine economies.

The Shift

Context

Every Economy Evolves Around Behavior

Financial systems have always depended on behavioral intelligence. TradFi built credit bureaus to price trust. Internet platforms built engagement graphs to allocate attention.

Onchain economies are still missing a shared behavioral layer. Wallets are anonymous, incentives are inefficient, and credit remains locked behind overcollateralization.

Activity is visible onchain. It just isn't interpreted. ZeruAI exists to solve that.

Technology

A Universal Behavior Intelligence Layer

ZeruAI transforms raw transaction activity into structured economic intelligence.

Layer 1

Behavior Data Infrastructure

Continuous ingestion and normalization of multi-chain transaction activity, capital flows, governance participation, and agent interactions.

  • 6+ chains indexed, 320M+ wallets
  • Longitudinal capture across DeFi verticals: lending, DEXs, perps, staking, LRTs, governance
Layer 2

Behavior Inference Engine

Neural network modeling that clusters wallet behavior and infers trustworthiness, economic skill, and risk patterns. Accuracy compounds as behavioral history deepens.

  • 94% predictive accuracy on extractive behavior
  • Behavioral persistence: past actions predict future actions at r > 0.89
Layer 3

Programmable Primitives

Behavior exposed as composable outputs: zScore for universal reputation, Zaps for protocol-specific economic contribution.

  • Composable across protocols and chains
  • Agent-ready APIs for autonomous systems

How it works

01

Ingestion

Continuous monitoring of onchain economic activity across supported networks.

z(f, ℓ)=L[ℓ]∑i=1kaifi

(Weighted aggregation of behavioral features across protocols)

02

Feature Construction

Transactions are decoded into behavioral features like capital deployment and risk patterns.

maxf(D, ℓ, n)=10sil_score(D, ℓ)+n

(Optimization of feature salience across behavioral clusters)

03

Modeling

ML inference translates features into structured intelligence and longitudinal fingerprints.

minφ(1/N)∑j=1N(ẑφ(xj)−z̃j)2

(Minimizing prediction error across the wallet dataset)

04

Output

Behavior is exposed through public scores (zScore), Zaps, and Enterprise APIs.

si=σ(wTfi)∈[0, 1]

(Final score as a bounded value between 0 and 1)

Peer-Reviewed Methodology

Our behavior intelligence layer is underpinned by peer-reviewed research published on arXiv—covering our scoring methodology, DeFi vertical analysis, and predictive accuracy validation. Read the papers.

Zeru’s Behavior Primitives

zScore

A universal wallet-level reputation score (0–1000) derived from behavioral inference across DeFi activity. Queryable via API, mintable as an onchain credential.

  • Underwrite credit risk beyond collateral ratios
  • Filter airdrop recipients by behavioral quality
  • Assess agent reliability for autonomous coordination
Explore zScore

Zaps

Protocol-specific economic contribution scores that measure real usage—trading, liquidity provision, staking, governance—filtered for quality over volume.

  • Design incentive campaigns based on actual behavior
  • Rank and reward users by economic contribution
  • Target cross-ecosystem users with proven engagement
Explore Zaps

Enterprise Use Cases

Credit Infrastructure

Onchain credit scoring and RWA borrower evaluation beyond simple collateral ratios.

Incentive Coordination

Dynamic reward allocation for airdrops and liquidity mining based on contribution.

Institutional Crypto

Counterparty assessment, yield product targeting, and compliance-enhanced analytics.

Agentic Commerce

Reputation and service discovery layers for autonomous AI agent coordination. Powered by AgentScan—decentralized reputation for autonomous agents.

agentscan.tech →

Vision

Behavior Will Become the Backbone of Digital Economies

Future economies will not coordinate around identity alone. They will coordinate around verified contribution, economic reliability, and long-term participation.

Three macro shifts are converging. Each requires shared behavioral infrastructure:

Shift 1

Tokenized financial markets

Shift 2

Autonomous AI economic agents

Shift 3

Onchain capital coordination

Why ZeruAI is Different

Wallet Analytics Tools

Tag wallets by holdings. Visualize transaction history. Generate retrospective dashboards. Useful for research—but not composable, not predictive, not programmable.

ZeruAI

Infer behavior longitudinally. Predict future actions from past patterns. Output composable primitives that integrate into credit products, incentive systems, and agent infrastructure.

Accuracy compounds as behavioral history deepens.