# mAI Economy / Thermo-Credit

Status: Measurement code available. Closed-loop simulator and AI controller planned.

Research on credit creation and AI-assisted window guidance. Thermo-Credit supplies reproducible measurements of Japanese bank-loan borrower composition.

Borrower composition does not identify final credit use. Measurement results do not establish effective lending guidance or real-world policy benefits. The research plan distinguishes available data and code from the proposed simulator.

Canonical page: [mAI Economy / Thermo-Credit](https://www.toppymicros.com/Economy_AI_ERA.html)

Primary sources:

- [Research and evaluation plan](https://github.com/ToppyMicroServices/2025_11_Thermo_Credit/blob/main/docs/mai_research_program.md)
- [Measurement code](https://github.com/ToppyMicroServices/2025_11_Thermo_Credit)
- [Thermo-Credit versions (DOI)](https://doi.org/10.5281/zenodo.17563220)

Agent resources:

- [Measurement scope](https://www.toppymicros.com/theory.html)
- [日本語の研究計画](https://www.toppymicros.com/Economy_AI_ERA_ja.html)

Reviewed: 2026-10-11

Source guide: [Toppy AI resources](https://www.toppymicros.com/ai/)