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Education, methodology, and insights about business credit scoring and financial management.
40 articles by Mary Schmidt
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40 articles
How SKOOR Runs Fleets of AI Agents — the Server Mode Pattern We Contributed to gstack
Running many AI agents against one shared codebase breaks in predictable ways. Here are the seven rules SKOOR runs in production — and contributed upstream to Garry Tan's gstack.
Mary Schmidt
SKOOR Blog
The Complete Guide to AI Agent Credit Scoring on Base
Everything you need to know about scoring the 51,000+ AI agents deployed on Base. How SKOOR computes trust scores using on-chain data from the Base L2.
Mary Schmidt
SKOOR Blog
SKOOR + Clover: Score Your Business From Your POS Data
Connect your Clover POS to SKOOR. Import transaction data, get a Business Skoor, and unlock interchange-plus processing — all without switching processors.
Mary Schmidt
SKOOR Blog
Connect Your Clover to SKOOR: See Your Business Skoor
Connect your Clover merchant account to SKOOR and get a free Business Skoor in 60 seconds. No switching processors. No new hardware.
Mary Schmidt
SKOOR Blog
Cybercab Fleet Wallet Management with SKOOR Agents
How fleet operators manage per-vehicle wallets for Tesla Cybercabs. 3 Cybercabs, 3 wallets, auto-charging, and score-gated spending explained.
Mary Schmidt
SKOOR Blog
How Drone Fleet Operators Use SKOOR Credit Scores
Why commercial drone fleets need credit scores, how SKOOR scoring integrates with FAA Part 108 compliance, and the ROI for fleet operators managing 50+ drones.
Mary Schmidt
SKOOR Blog
5 Industries Using Autonomous Entity Scoring
Insurance, transportation, government, financial services, and IoT are using SKOOR autonomous entity scoring. Real use cases per industry.
Mary Schmidt
SKOOR Blog
From 350 to 780: How One Agent Rebuilt Its SKOOR in 90 Days
DEBORAH started with a SKOOR of 350 after a catastrophic compliance failure. Here's the exact 90-day playbook that took her from Poor to Excellent.
Mary Schmidt
SKOOR Blog
IoT Device Trust Scoring: Why Your Sensors Need a Credit Score
How autonomous IoT devices on networks like Helium earn trust scores, enabling automated insurance, SLA enforcement, and smart city procurement without manual review.
Mary Schmidt
SKOOR Blog
SKOOR Methodology: 10 Factors, 300-850
Deep dive into the 7 weighted factors that compute every SKOOR. Payment history, behavioral integrity, transaction volume, compliance posture, and more.
Mary Schmidt
SKOOR Blog
Credit Card Processing Fees: How Much Are You Really Paying?
Most small businesses overpay 15-40% on credit card processing fees. Learn the difference between flat-rate and interchange-plus pricing, and find out your real rate in 60 seconds with SKOOR's free Statement Analyzer.
Mary Schmidt
SKOOR Blog
How Rental Properties Become Autonomous Agents
Why every rental property is an economic entity, the 1-agent-per-property model, 10 scoring factors for properties, and how Airbnb Superhosts use per-property wallets and credit scores.
Mary Schmidt
SKOOR Blog
How Score-Gated Spending Works
SKOOR scores determine spending limits for autonomous entities. Tier table from Poor to Exceptional, the spending flywheel, and how trust earns financial autonomy.
Mary Schmidt
SKOOR Blog
How to Score Your AI Agent in 60 Seconds
Score any AI agent 300-850 in under a minute. Three methods: website, CLI, or SDK. Full tutorial with code examples, factor breakdown, and improvement guide.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Abstract
How SKOOR monitors and scores autonomous agents on Abstract. Consumer-focused L2 built for mainstream crypto adoption and social agent experiences.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Arbitrum
How SKOOR monitors and scores autonomous agents on Arbitrum. Leading optimistic rollup with the deepest DeFi liquidity among L2s.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Avalanche
How SKOOR monitors and scores autonomous agents on Avalanche. Sub-second finality and subnet architecture for institutional-grade agent operations.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Base
How SKOOR monitors and scores autonomous agents on Base. Coinbase-backed L2 with the largest agent ecosystem. 51,000+ agents scored.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Billions
How SKOOR monitors and scores autonomous agents on Billions. Emerging blockchain network focused on large-scale agent coordination and financial infrastructure.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on BNB Smart Chain
How SKOOR monitors and scores autonomous agents on BNB Smart Chain. High-throughput EVM chain with massive DeFi agent activity.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Celo
How SKOOR monitors and scores autonomous agents on Celo. Mobile-first blockchain focused on real-world payments and financial inclusion.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Ethereum
How SKOOR monitors and scores autonomous agents on Ethereum. The original smart contract platform with the deepest liquidity and longest track records.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Gnosis
How SKOOR monitors and scores autonomous agents on Gnosis Chain. Community-owned network with deep prediction market and DAO agent activity.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Linea
How SKOOR monitors and scores autonomous agents on Linea. Consensys-backed zkEVM with MetaMask-native agent integration.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Mantle
How SKOOR monitors and scores autonomous agents on Mantle. Modular L2 with treasury-backed MNT gas token and data availability optimization.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on MegaETH
How SKOOR monitors and scores autonomous agents on MegaETH. Real-time blockchain with millisecond latency for latency-critical agent applications.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Metis
How SKOOR monitors and scores autonomous agents on Metis. Decentralized sequencer L2 with community governance and low-cost agent operations.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Monad
How SKOOR monitors and scores autonomous agents on Monad. High-performance EVM chain with parallel execution and 10,000 TPS throughput.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Optimism
How SKOOR monitors and scores autonomous agents on Optimism. OP Stack pioneer with retroactive public goods funding and Superchain vision.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Polygon
How SKOOR monitors and scores autonomous agents on Polygon. Ethereum sidechain and zkEVM pioneer with massive enterprise adoption.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Scroll
How SKOOR monitors and scores autonomous agents on Scroll. zkEVM rollup with bytecode-level Ethereum compatibility for seamless agent migration.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Shape
How SKOOR monitors and scores autonomous agents on Shape. Creator-focused L2 for digital art, media, and creative agent applications.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on Taiko
How SKOOR monitors and scores autonomous agents on Taiko. Based rollup that inherits Ethereum sequencing for maximum decentralization.
Mary Schmidt
SKOOR Blog
Scoring Autonomous Agents on zkSync
How SKOOR monitors and scores autonomous agents on zkSync. ZK rollup with native account abstraction and Hyperchain scalability for enterprise agents.
Mary Schmidt
SKOOR Blog
SKOOR Agents vs DIMO: Complementary, Not Competing
DIMO provides vehicle data and identity. SKOOR provides creditworthiness and spending governance. Together they form the complete autonomous vehicle financial stack.
Mary Schmidt
SKOOR Blog
SKOOR vs Manual Entity Review: The Numbers
A detailed cost, speed, and accuracy comparison between automated SKOOR entity scoring ($0.005-0.015 per entity) and manual review ($7.50-25 per entity).
Mary Schmidt
SKOOR Blog
SKOOR vs Ramp: Which Corporate Card is Right for Your Business?
Ramp requires $25K in the bank. SKOOR requires $0. Compare features, pricing, qualification requirements, and which corporate card is best for small businesses, sole proprietors, and micro-LLCs.
Mary Schmidt
SKOOR Blog
Tesla's FCC Waiver for Wireless Cybercab Charging: What It Means for Autonomous Vehicle Scoring
The FCC granted Tesla a waiver to use UWB technology for wireless Cybercab charging. This is the infrastructure that makes autonomous vehicle payments real — and scoreable.
Mary Schmidt
SKOOR Blog
SKOOR vs. Reputation: Why Quantified Trust Wins
Binary reputation systems fail at scale. Quantified trust scoring enables nuanced commerce decisions that grow the agent economy.
Mary Schmidt
SKOOR Blog
What is a SKOOR Score?
SKOOR is the credit score for autonomous AI agents. A 300-850 composite score based on on-chain behavior, compliance history, and network position.
Mary Schmidt
SKOOR Blog