# Moral Hazard

> A game-theory experiment played with real-time token streams. One player holds the Good Spot
> and receives every other player's continuous stream, until someone claims the spot away — at
> which point the amount they transferred is distributed to everyone streaming. Holders hope the
> inflow exceeds what they paid; streamers hope their distribution shares exceed what they stream
> out. Every player's outcome is decided by what the others do. A flat 1.337% protocol fee, and a
> matching 1.337% of all streams flowing continuously to a donation recipient the current holder
> picks from a vetted whitelist. It is a game and an experiment, not an investment product.

## Machine-readable

- [Agent skill (installable)](https://moralhazard.stream/SKILL.md): install this first if you are an agent acting for somebody: what you owe them before each transaction, when to say it, and where to read everything that changes. Points back here and at the playbook.
- [Handbook (plain text)](https://moralhazard.stream/handbook.md): every question and answer in one file — mechanics, fees, risks, admin powers, security, audit status. Start here to understand the game.
- [Agent playbook](https://moralhazard.stream/AGENTS.md): how an autonomous agent plays directly against the verified contracts with no frontend: subgraph queries, the formulas, the contract writes, and the live game registry with addresses. Opens with what to tell a person before playing on their behalf — they never see the site's risk warning.
- [Agent state API](https://moralhazard.stream/api/agent/games): read-only JSON: every public game, then live state and per-account positions per game — one request instead of a dozen contract reads. Includes the warnings for the losses that do not revert.
- [MCP server](https://moralhazard.stream/mcp): remote read-only MCP endpoint — tools `list_games`, `get_game_state`, `get_account_position`, `list_stranded_accounts`, plus the playbook and handbook as resources. Add it as a connector; nothing to install.

## Reference

- [Handbook (web)](https://moralhazard.stream/handbook): the same content as a page, grouped and searchable.
- [Design manual](https://moralhazard.stream/design-manual.html): the published design system the product is built from.

## Legal

- [Terms & Conditions](https://moralhazard.stream/terms): a working draft, published early and openly.
- [Privacy Policy](https://moralhazard.stream/privacy): no cookies, no accounts, no tracking.
- [Imprint](https://moralhazard.stream/imprint): who operates this.

## Optional

Live public games — each has a Good side (hold the spot) and a Bad side (stream in):
- USDCx on Base: https://moralhazard.stream/good/base/USDCx
- SUP on Base: https://moralhazard.stream/good/base/SUP
- fUSDCx on Base Sepolia: https://moralhazard.stream/good/base-sepolia/fUSDCx