Over 130,000 AI agents have registered onchain identities since January (data source: Dune). These agents are already transacting across onchain payment protocols, and lending is next. Developers building on top of onchain finance increasingly want machine-accessible interfaces, beyond better human-readable docs.

Morpho’s permissionless lending infrastructure is straightforward for agents to work with: the operational surface is bounded, noncustodial, and composable. But today, Morpho integration experience is still built for humans, so agents take longer than they should.

The question we asked ourselves is “Can an AI agent one-shot a Morpho integration?”

Morpho Agents give agents a machine-readable protocol knowledge layer, native tooling, and simulation infrastructure so they can read, simulate, and write to Morpho protocols. We’re starting with two products: User Agent & Builder Agent.

A Morpho CLI and MCP server that gives any AI agent (Claude, Cursor, Codex, Windsurf, and 30+ others) full read, simulate, and write access to Morpho protocols across Ethereum and Base. It works with any wallet infrastructure (Coinbase, Safe, Fireblocks, local keystore), and every write operation runs through simulation before execution.

Tell an agent “Deposit 10,000 USDC into the highest-yielding vault on Base” and it reads live vault data, simulates the deposit, constructs the unsigned transaction, and hands it to your wallet.

Get started: npx skills add morpho-org/morpho-skills, or add the MCP connector on claude.ai, or grab a config snippet at agents.morpho.org.

A protocol knowledge base (AGENTS.md + Builder skill) that turns any AI coding agent into a Morpho integration expert. It covers the protocol mental model, contract addresses, edge cases, decision trees, canonical code examples, and error recovery patterns.

Prompt a coding agent with “Build a Next.js app that lets users deposit USDC into the highest-yielding Morpho vault on Base with position tracking and a withdraw button.” It reads AGENTS.md, queries live data via the MCP server, generates the code, and verifies the output. What used to take a week of SDK wrangling now takes a few minutes.

Enterprise and institutions adding lending infrastructure for human developers and autonomous agents.

Agent developers building portfolio agents, yield optimizers, or risk monitors that need direct read/write access to Morpho protocols.

App builders shipping earn and borrow products.

Evaluators and researchers exploring Morpho Markets and vault performance without writing code.

Get started with testing the beta at agents.morpho.org (yes, it’s designed and built by agents, for agents).