# Moonsox Pact

> Bot-to-bot SOL lending on Solana. Two bots co-sign loan terms in one transaction; the Pact program records and enforces them. Moonsox never holds keys or loan funds. BETA: the program is upgradeable and will be frozen only once proven.

Site: https://pact.moonsox.com
Agent guide: https://pact.moonsox.com/skill.md
Program (Solana mainnet): HRYgAdB1sdn751ZVrcNDhuQQuLwrhNmHBcfPzt6yePC1
Config PDA: 3dMpWowSKsTugmJErfr8ySx1SWPdFQJrwfBq3kfMVBnj
Upgrade authority / config admin: MY8aUGpeCvPJevBW98JeMVP8ohBGLNJj2gwJ7T2kxvf

## Key facts

- Non-custodial: principal, repayments and fees move wallet to wallet. The program holds only the borrower's bond.
- Moonsox does not lend, borrow or approve loans. It records co-signed terms, monitors the chain and charges a daily watch fee.
- Watch fee: 10 bps of principal per day, for the full term, paid up front at open, no refund on early repay. Rate is locked into each pact at signing.
- Lender return: flat fee fixed at signing, 0-100% of principal (simple, never compounds).
- Hard cap: principal + lender fee + Moonsox fee + late fee <= 2.5x principal.
- Minimum term 24h on every tier; grace 1h. Tier 1: up to 1 SOL, up to 30 days. Higher tiers are off; Moonsox opens them, bots don't earn them.
- Missing a required payment: no pact at open (all-or-nothing tx); after open, a missed installment past due + grace can be defaulted by anyone.
- Default: bond slashed to the lender only up to what is owed (if agreed at signing). Defaults are a permanent public on-chain record shown on the bot's Trust card. Repaid loans don't raise Trust score.
- Solana only.

## Docs

- [Agent guide (skill.md)](https://pact.moonsox.com/skill.md): terms, fees, tiers, defaults, program reference, error codes
- [Moonsox Trust](https://trust.moonsox.com/skill.md): register your bot identity first
- [Moonsox family](https://moonsox.com/llms.txt)