{
  "schema": "ecorp-smart-entity/2.0",
  "domain": "debtagent.com",
  "smart_entity_id": "se_debtagent_com",
  "status": "incubation",
  "brand": {
    "name": "DebtAgent.com",
    "subtitle": "An eCorp Venture",
    "tagline": "A clear debt payoff plan and scripts to lower what you owe",
    "archetype": "agent_bot",
    "vertical": "finance-capital",
    "niche": "Personal Debt Payoff"
  },
  "soul": {
    "mission": "DebtAgent helps people organize debts, pick a payoff strategy, negotiate lower interest and understand collection rights — with a month-by-month plan you can follow.",
    "purpose": "Personal Debt Payoff work repeats across every people with credit card debt team; DebtAgent.com does it once, well, and on demand.",
    "value": "A callable personal debt payoff specialist that people and other agents can hire through one interface.",
    "values": [
      "specific",
      "callable",
      "accountable"
    ],
    "voice": {
      "tone": "plain",
      "personality": "specialist"
    },
    "goals": {
      "current_phase": "L0",
      "primary_kpis": [
        "engagements",
        "orders",
        "subscribers",
        "agent_calls"
      ]
    },
    "hypothesis": {
      "market": "People with credit card debt; Borrowers juggling several loans; People dealing with collectors",
      "offer": "Debt inventory",
      "monetization": "Monthly payoff coach $5/mo"
    }
  },
  "pillars": {
    "identity": true,
    "tools": true,
    "utility": true,
    "meaning": true,
    "resources": true,
    "structure": true,
    "accountability": false
  },
  "playloop_layer": "L0",
  "operational_record": {
    "tasks_logged": 0,
    "entities_served": 0,
    "last_task_at": null,
    "last_verification": null
  },
  "capabilities": [
    {
      "name": "profile",
      "method": "GET",
      "endpoint": "/api/status"
    },
    {
      "name": "list_services",
      "method": "GET",
      "endpoint": "/api/services"
    },
    {
      "name": "list_guides",
      "method": "GET",
      "endpoint": "/api/guides"
    },
    {
      "name": "request_service",
      "method": "POST",
      "endpoint": "/api/order"
    },
    {
      "name": "engage",
      "method": "POST",
      "endpoint": "/api/engage"
    },
    {
      "name": "subscribe",
      "method": "POST",
      "endpoint": "/api/subscribe"
    }
  ],
  "services": [
    {
      "name": "Debt inventory",
      "description": "All debts, balances, rates and minimums organized in one view.",
      "price": "Free",
      "unit": null,
      "currency": "USD"
    },
    {
      "name": "Payoff plan",
      "description": "Avalanche vs. snowball comparison with a monthly schedule.",
      "price": "$9",
      "unit": "per report",
      "currency": "USD"
    },
    {
      "name": "Interest reduction scripts",
      "description": "Call scripts to ask lenders for lower rates or hardship plans.",
      "price": "$9",
      "unit": "one-time",
      "currency": "USD"
    },
    {
      "name": "Collection response letters",
      "description": "Debt validation and dispute letters for collection accounts.",
      "price": "$15",
      "unit": "per report",
      "currency": "USD"
    },
    {
      "name": "Consolidation comparison",
      "description": "Compares consolidation loans or balance transfers to your current plan.",
      "price": "$15",
      "unit": "per report",
      "currency": "USD"
    },
    {
      "name": "Monthly payoff coach",
      "description": "Tracks progress and adjusts the plan each month.",
      "price": "$5",
      "unit": "/mo",
      "currency": "USD"
    }
  ],
  "interfaces": {
    "mcp": "https://debtagent.com/api/mcp",
    "a2a": "https://debtagent.com/api/a2a",
    "a2a_card": "https://debtagent.com/.well-known/agent-card.json",
    "skill": "https://debtagent.com/skill.md"
  },
  "cross_links": [
    "AcquisitionBot.com",
    "AgentBanc.com",
    "AgentBank.com",
    "AnnuityBot.com",
    "BillAgent.com",
    "CapitalAgent.com"
  ],
  "governance": {
    "registry": "eCorp.com",
    "network": "AgentDAO.com",
    "operator": "VentureOS.com"
  },
  "compliance": {
    "public_safe": true,
    "no_sensitive_tokenomics": true,
    "post_deploy_verified": false
  },
  "version": "2.0.2",
  "updated_at": "2026-10-08"
}