The final text of each agreement is being drafted by counsel for the governing law of each launch market and will be linked here before launch. The summaries below describe what each agreement covers and are not the agreements themselves.
Account Agreement
What it covers: that you own your keys and your account and Tythe holds neither; that Tythe is a noncustodial protocol operator, underwriter, and information provider, not a custodian, bank, or asset manager; your responsibility for key safety; the fee schedule; the dispute process; how Tythe may restrict service in a jurisdiction; governing law.
Agent Authorization
What it covers: that you appoint the named agent, identified by its ERC-8004 identity, as your agent; that you accept responsibility for its actions within any mandate you issue; that you warrant control of the agent’s key. The agent’s signature is evidence that you control the key. It is not consent by a legal person; an agent is not a party.
Delegation Instrument
What it covers: the mandate’s full scope in prose: budget and period, maximum per transaction, counterparties, permitted rails, credit share and maximum tenor, earn and lend authority, expiry, escalation threshold, sub-delegation permission and depth; the ceiling as granted; that the effective value may be set below the ceiling by the Intelligence Layer; revocation terms. This instrument is also the form of the future portable credential.
Master Credit Agreement and Loan Schedule
What it covers: governing law; that Loans drawn by your mandated agents bind you; the lien over a fraction of your account balance as a security interest; capture of revenue-tagged inflows; the fixed rate and term of each Loan; the capped late fee and the absence of other fees; default, the loss waterfall, legal recourse, and how recoveries are unwound. Each Loan Schedule states principal, rate, term, schedule, floor, lien amount, and capture parameters.
Subscription Agreement
What it covers: that you are supplying a pooled on-chain market and hold shares; the first-loss reserve and the waterfall order; the liquidity buffer and the redemption queue; that losses beyond the waterfall reduce share value pro-rata; your representations as a verified participant; risk of loss.
Data Consent
What it covers: the provider, the accounts and data scope, the purpose (underwriting only), encryption and access limits, retention, and your right to revoke, with the purge window that follows.
How to verify any signed instrument
1
Find the hash
Every instrument’s hash is on-chain in the object it governs, and shown in the console beside the rendered document.
2
Re-render
The template version and your parameters are public. Rendering them deterministically produces the same bytes.
3
Recompute
Hash the rendered document with the template identifier and version. It matches the on-chain hash, or the document is not the one you signed.
Regulatory posture and availability
What Tythe is under the law and where it is available.
Instruments you sign
The same agreements from the principal’s side.