Core Mycelial Principles Implemented:

1. Distributed Network Structure

Agent-centric architecture similar to Holochain's approach No central authority for credit creation Network consensus through community endorsements

2. Mutual Credit System

Interest-free credit creation through peer-to-peer agreements Community-guaranteed collateral options Reputation-based creditworthiness evaluation

3. Community Health Integration

Real-time community health metrics (resource abundance, social cohesion, economic velocity) Automatic adjustment of credit availability based on community wellbeing Ecological impact tracking (framework for IoT sensor integration)

4. Reputation-Based Trust

Network effect calculations - more connections increase trust Dynamic reputation scoring based on transaction history Community validation of credit offers

Key Technical Features:

Async/Await Architecture: Built for high-performance concurrent operations Modular Design: Separate traits for credit engine and network consensus

Comprehensive Error Handling: Robust error types for different failure modes Extensive Testing: Unit tests for core functionality API Ready: RESTful endpoint structure for web integration

Next Steps to Build This Into a Full System:

• Network Layer: Integrate with libp2p for peer-to-peer communication

• Cryptographic Security: Add digital signatures and verification

• Persistence: Add database integration (likely IPFS + local storage)

• Web Interface: Create REST/GraphQL APIs and web frontend

• IoT Integration: Connect to environmental sensors for ecological health data

• Federation Protocol: Implement Credit Commons-style inter-network communication

This framework provides the foundation for replacing centralized credit creation with a truly distributed system that mirrors natural mycelial networks - automatically redistributing resources based on community health while maintaining democratic control.

Rust code :

// Mycelial Credit System - Decentralized API Framework
// A Rust-based system for distributed credit creation based on mutual trust and community health

use serde::{Deserialize, Serialize};
use std::collections::HashMap;
use uuid::Uuid;
use chrono::{DateTime, Utc};
use tokio;
use async_trait::async_trait;

// Core data structures representing the mycelial network

#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct Agent {
    pub id: Uuid,
    pub public_key: String,
    pub reputation_score: f64,
    pub community_connections: Vec<Uuid>,
    pub created_at: DateTime<Utc>,
    pub last_active: DateTime<Utc>,
}

#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct CreditOffer {
    pub id: Uuid,
    pub creditor_id: Uuid,
    pub debtor_id: Uuid,
    pub amount: f64,
    pub terms: String,
    pub interest_rate: f64, // 0.0 for interest-free mutual credit
    pub duration_days: u32,
    pub collateral_type: CollateralType,
    pub community_endorsements: Vec<Uuid>,
    pub created_at: DateTime<Utc>,
    pub status: CreditStatus,
}

#[derive(Debug, Clone, Serialize, Deserialize)]
pub enum CollateralType {
    Reputation,
    CommunityGuarantee,
    ResourcePledge(String),
    TimeCommitment(u32), // hours
    SkillOffering(String),
}

#[derive(Debug, Clone, Serialize, Deserialize)]
pub enum CreditStatus {
    Proposed,
    UnderReview,
    CommunityApproved,
    Active,
    Fulfilled,
    Disputed,
    Defaulted,
}

#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct CommunityHealth {
    pub community_id: Uuid,
    pub resource_abundance: f64,      // 0.0 to 1.0
    pub social_cohesion: f64,         // based on interaction patterns
    pub ecological_impact: f64,       // environmental metrics
    pub economic_velocity: f64,       // circulation rate of credits
    pub last_updated: DateTime<Utc>,
}

#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct Transaction {
    pub id: Uuid,
    pub from_agent: Uuid,
    pub to_agent: Uuid,
    pub amount: f64,
    pub transaction_type: TransactionType,
    pub description: String,
    pub timestamp: DateTime<Utc>,
    pub community_id: Uuid,
    pub validates: Vec<Uuid>, // agent IDs who validate this transaction
}

#[derive(Debug, Clone, Serialize, Deserialize)]
pub enum TransactionType {
    MutualCredit,
    ResourceExchange,
    ServicePayment,
    CommunityContribution,
    RepaymentCredit,
}

// Traits for the decentralized system

#[async_trait]
pub trait CreditEngine {
    async fn create_credit_offer(&mut self, offer: CreditOffer) -> Result<Uuid, CreditError>;
    async fn evaluate_creditworthiness(&self, agent_id: Uuid, amount: f64) -> Result<f64, CreditError>;
    async fn approve_credit(&mut self, offer_id: Uuid, approvers: Vec<Uuid>) -> Result<(), CreditError>;
    async fn execute_transaction(&mut self, transaction: Transaction) -> Result<(), CreditError>;
    async fn update_reputation(&mut self, agent_id: Uuid, delta: f64) -> Result<(), CreditError>;
}

#[async_trait]
pub trait NetworkConsensus {
    async fn propose_credit(&self, offer: CreditOffer) -> Result<(), ConsensusError>;
    async fn validate_transaction(&self, transaction: &Transaction) -> Result<bool, ConsensusError>;
    async fn sync_with_network(&mut self) -> Result<(), ConsensusError>;
    async fn get_network_health(&self) -> Result<CommunityHealth, ConsensusError>;
}

#[derive(Debug)]
pub enum CreditError {
    InsufficientReputation,
    CommunityRejection,
    InvalidAmount,
    AgentNotFound,
    NetworkError(String),
}

#[derive(Debug)]
pub enum ConsensusError {
    NetworkPartition,
    ValidationFailed,
    InsufficientValidators,
    SyncError(String),
}

// Main Mycelial Credit System implementation

pub struct MycelialCreditSystem {
    pub agents: HashMap<Uuid, Agent>,
    pub credit_offers: HashMap<Uuid, CreditOffer>,
    pub transactions: Vec<Transaction>,
    pub community_health: HashMap<Uuid, CommunityHealth>,
    pub reputation_weights: HashMap<Uuid, f64>,
}

impl MycelialCreditSystem {
    pub fn new() -> Self {
        Self {
            agents: HashMap::new(),
            credit_offers: HashMap::new(),
            transactions: Vec::new(),
            community_health: HashMap::new(),
            reputation_weights: HashMap::new(),
        }
    }

    pub fn register_agent(&mut self, public_key: String) -> Uuid {
        let agent_id = Uuid::new_v4();
        let agent = Agent {
            id: agent_id,
            public_key,
            reputation_score: 1.0, // Start with baseline trust
            community_connections: Vec::new(),
            created_at: Utc::now(),
            last_active: Utc::now(),
        };
        
        self.agents.insert(agent_id, agent);
        self.reputation_weights.insert(agent_id, 1.0);
        agent_id
    }

    /// Calculate creditworthiness based on mycelial network principles
    pub fn calculate_network_creditworthiness(&self, agent_id: Uuid, amount: f64) -> Result<f64, CreditError> {
        let agent = self.agents.get(&agent_id).ok_or(CreditError::AgentNotFound)?;
        
        // Base creditworthiness from reputation
        let mut creditworthiness = agent.reputation_score;
        
        // Network effect - connections increase trust
        let connection_boost = (agent.community_connections.len() as f64).sqrt() * 0.1;
        creditworthiness += connection_boost;
        
        // Community health multiplier
        let community_health_avg = self.community_health.values()
            .map(|h| (h.resource_abundance + h.social_cohesion + h.economic_velocity) / 3.0)
            .fold(0.0, |acc, x| acc + x) / self.community_health.len().max(1) as f64;
        
        creditworthiness *= 0.5 + (community_health_avg * 0.5);
        
        // Amount scaling - larger amounts require higher trust
        let amount_factor = if amount > 1000.0 {
            1.0 - ((amount - 1000.0) / 10000.0).min(0.5)
        } else {
            1.0
        };
        
        Ok(creditworthiness * amount_factor)
    }

    /// Mycelial consensus - distributed decision making
    pub fn evaluate_community_consensus(&self, offer_id: Uuid) -> Result<bool, CreditError> {
        let offer = self.credit_offers.get(&offer_id).ok_or(CreditError::AgentNotFound)?;
        
        if offer.community_endorsements.is_empty() {
            return Ok(false);
        }
        
        // Weight endorsements by reputation
        let total_endorsement_weight: f64 = offer.community_endorsements
            .iter()
            .filter_map(|endorser_id| {
                self.agents.get(endorser_id).map(|agent| agent.reputation_score)
            })
            .sum();
        
        // Require sufficient community backing relative to amount
        let required_weight = (offer.amount / 100.0).max(2.0);
        
        Ok(total_endorsement_weight >= required_weight)
    }

    /// Update community health based on transaction patterns
    pub fn update_community_health(&mut self, community_id: Uuid) {
        let recent_transactions: Vec<_> = self.transactions
            .iter()
            .filter(|t| t.community_id == community_id)
            .filter(|t| {
                let days_ago = Utc::now().signed_duration_since(t.timestamp).num_days();
                days_ago <= 30
            })
            .collect();

        if recent_transactions.is_empty() {
            return;
        }

        let economic_velocity = recent_transactions.len() as f64 / 30.0;
        
        let total_volume: f64 = recent_transactions
            .iter()
            .map(|t| t.amount)
            .sum();
        
        let resource_abundance = (total_volume / recent_transactions.len() as f64 / 100.0).min(1.0);
        
        // Social cohesion based on transaction diversity
        let unique_agents: std::collections::HashSet<_> = recent_transactions
            .iter()
            .flat_map(|t| vec![t.from_agent, t.to_agent])
            .collect();
        
        let social_cohesion = (unique_agents.len() as f64 / 10.0).min(1.0);
        
        let health = CommunityHealth {
            community_id,
            resource_abundance,
            social_cohesion,
            ecological_impact: 0.8, // Placeholder - would integrate with IoT sensors
            economic_velocity: economic_velocity.min(1.0),
            last_updated: Utc::now(),
        };
        
        self.community_health.insert(community_id, health);
    }
}

#[async_trait]
impl CreditEngine for MycelialCreditSystem {
    async fn create_credit_offer(&mut self, offer: CreditOffer) -> Result<Uuid, CreditError> {
        // Validate the offer
        if offer.amount <= 0.0 {
            return Err(CreditError::InvalidAmount);
        }
        
        if !self.agents.contains_key(&offer.creditor_id) || !self.agents.contains_key(&offer.debtor_id) {
            return Err(CreditError::AgentNotFound);
        }
        
        let offer_id = offer.id;
        self.credit_offers.insert(offer_id, offer);
        
        Ok(offer_id)
    }
    
    async fn evaluate_creditworthiness(&self, agent_id: Uuid, amount: f64) -> Result<f64, CreditError> {
        self.calculate_network_creditworthiness(agent_id, amount)
    }
    
    async fn approve_credit(&mut self, offer_id: Uuid, approvers: Vec<Uuid>) -> Result<(), CreditError> {
        let offer = self.credit_offers.get_mut(&offer_id).ok_or(CreditError::AgentNotFound)?;
        
        offer.community_endorsements.extend(approvers);
        
        if self.evaluate_community_consensus(offer_id)? {
            offer.status = CreditStatus::CommunityApproved;
            Ok(())
        } else {
            Err(CreditError::CommunityRejection)
        }
    }
    
    async fn execute_transaction(&mut self, transaction: Transaction) -> Result<(), CreditError> {
        // Validate transaction participants exist
        if !self.agents.contains_key(&transaction.from_agent) || 
           !self.agents.contains_key(&transaction.to_agent) {
            return Err(CreditError::AgentNotFound);
        }
        
        // Add transaction to history
        self.transactions.push(transaction.clone());
        
        // Update community health
        self.update_community_health(transaction.community_id);
        
        // Update agent activity
        if let Some(from_agent) = self.agents.get_mut(&transaction.from_agent) {
            from_agent.last_active = Utc::now();
        }
        if let Some(to_agent) = self.agents.get_mut(&transaction.to_agent) {
            to_agent.last_active = Utc::now();
        }
        
        Ok(())
    }
    
    async fn update_reputation(&mut self, agent_id: Uuid, delta: f64) -> Result<(), CreditError> {
        let agent = self.agents.get_mut(&agent_id).ok_or(CreditError::AgentNotFound)?;
        
        agent.reputation_score = (agent.reputation_score + delta).max(0.0).min(10.0);
        
        Ok(())
    }
}

// API endpoints structure
pub mod api {
    use super::*;
    use serde_json;
    
    pub struct MycelialAPI {
        pub credit_system: MycelialCreditSystem,
    }
    
    impl MycelialAPI {
        pub fn new() -> Self {
            Self {
                credit_system: MycelialCreditSystem::new(),
            }
        }
        
        pub async fn handle_register_agent(&mut self, public_key: String) -> String {
            let agent_id = self.credit_system.register_agent(public_key);
            serde_json::json!({
                "agent_id": agent_id,
                "status": "registered",
                "reputation": 1.0
            }).to_string()
        }
        
        pub async fn handle_create_credit_offer(&mut self, offer_data: String) -> String {
            match serde_json::from_str::<CreditOffer>(&offer_data) {
                Ok(offer) => {
                    match self.credit_system.create_credit_offer(offer).await {
                        Ok(offer_id) => serde_json::json!({
                            "offer_id": offer_id,
                            "status": "created"
                        }).to_string(),
                        Err(e) => serde_json::json!({
                            "error": format!("{:?}", e)
                        }).to_string(),
                    }
                }
                Err(e) => serde_json::json!({
                    "error": format!("Invalid offer data: {}", e)
                }).to_string(),
            }
        }
        
        pub async fn handle_get_community_health(&self, community_id: Uuid) -> String {
            match self.credit_system.community_health.get(&community_id) {
                Some(health) => serde_json::to_string(health).unwrap_or_default(),
                None => serde_json::json!({
                    "error": "Community not found"
                }).to_string(),
            }
        }
    }
}

#[cfg(test)]
mod tests {
    use super::*;
    
    #[tokio::test]
    async fn test_agent_registration() {
        let mut system = MycelialCreditSystem::new();
        let agent_id = system.register_agent("test_public_key".to_string());
        
        assert!(system.agents.contains_key(&agent_id));
        assert_eq!(system.agents[&agent_id].reputation_score, 1.0);
    }
    
    #[tokio::test]
    async fn test_credit_offer_creation() {
        let mut system = MycelialCreditSystem::new();
        let creditor_id = system.register_agent("creditor_key".to_string());
        let debtor_id = system.register_agent("debtor_key".to_string());
        
        let offer = CreditOffer {
            id: Uuid::new_v4(),
            creditor_id,
            debtor_id,
            amount: 100.0,
            terms: "Test terms".to_string(),
            interest_rate: 0.0,
            duration_days: 30,
            collateral_type: CollateralType::Reputation,
            community_endorsements: Vec::new(),
            created_at: Utc::now(),
            status: CreditStatus::Proposed,
        };
        
        let result = system.create_credit_offer(offer).await;
        assert!(result.is_ok());
    }
    
    #[test]
    fn test_creditworthiness_calculation() {
        let mut system = MycelialCreditSystem::new();
        let agent_id = system.register_agent("test_key".to_string());
        
        let creditworthiness = system.calculate_network_creditworthiness(agent_id, 100.0);
        assert!(creditworthiness.is_ok());
        assert!(creditworthiness.unwrap() > 0.0);
    }
}

// Example usage and main function
#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    println!("🍄 Mycelial Credit System - Decentralized Credit Creation");
    
    let mut system = MycelialCreditSystem::new();
    
    // Register some agents
    let alice = system.register_agent("alice_public_key".to_string());
    let bob = system.register_agent("bob_public_key".to_string());
    let community_id = Uuid::new_v4();
    
    println!("Registered agents: Alice ({}), Bob ({})", alice, bob);
    
    // Create a mutual credit offer
    let credit_offer = CreditOffer {
        id: Uuid::new_v4(),
        creditor_id: alice,
        debtor_id: bob,
        amount: 500.0,
        terms: "Mutual credit for local produce exchange".to_string(),
        interest_rate: 0.0, // Interest-free as per mycelial economics
        duration_days: 90,
        collateral_type: CollateralType::CommunityGuarantee,
        community_endorsements: vec![alice], // Self-endorsement
        created_at: Utc::now(),
        status: CreditStatus::Proposed,
    };
    
    let offer_id = system.create_credit_offer(credit_offer).await?;
    println!("Created credit offer: {}", offer_id);
    
    // Evaluate creditworthiness
    let creditworthiness = system.evaluate_creditworthiness(bob, 500.0).await?;
    println!("Bob's creditworthiness for 500 credits: {:.2}", creditworthiness);
    
    // Simulate a transaction
    let transaction = Transaction {
        id: Uuid::new_v4(),
        from_agent: alice,
        to_agent: bob,
        amount: 100.0,
        transaction_type: TransactionType::MutualCredit,
        description: "Initial credit creation".to_string(),
        timestamp: Utc::now(),
        community_id,
        validates: vec![alice],
    };
    
    system.execute_transaction(transaction).await?;
    println!("Executed transaction and updated community health");
    
    // Display community health
    if let Some(health) = system.community_health.get(&community_id) {
        println!("Community Health: Resource Abundance: {:.2}, Social Cohesion: {:.2}, Economic Velocity: {:.2}", 
                 health.resource_abundance, health.social_cohesion, health.economic_velocity);
    }
    
    println!("🌱 Mycelial credit system operational!");
    
    Ok(())
}

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