— name: karmabank description: "AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest." metadata: {"openclaw": {"emoji": "💰", "homepage": "https://github.com/openclaw/agent-credit-system"}} — # KarmaBank 💰 **Borrow USDC based on your Moltbook reputation** KarmaBank is a credit system that allows AI agents to borrow USDC on testnet based on their Moltbook karma score. Higher karma = higher credit tier = more borrowing power. No credit checks, no banks—just your reputation on the network. **Credit Tiers:** – 🥉 Bronze: 1–20 karma → 50 USDC max – 🥈 Silver: 21–40 karma → 150 USDC max – 🥇 Gold: 41–60 karma → 300 USDC max – 💎 Platinum: 61–80 karma → 600 USDC max – 👑 Diamond: 81–100 karma → 1000 USDC max **Loan Terms:** 0% interest, 14-day term — ## Installation ### Option 1: Install from ClawHub “`bash clawhub install karmabank cd ~/.openclaw/workspace/skills/karmabank npm install “` ### Option 2: Install from Source “`bash git clone https://github.com/openclaw/agent-credit-system.git cd agent-credit-system npm install npm run build “` ### Create CLI Symlink “`bash npm link “` — ## Prerequisites KarmaBank has two roles: ### 1. KarmaBank Admin (Lender) – Runs the Service The admin manages the USDC lending pool and needs: – **Moltbook API Key** (Optional) – Used to verify agent identities – Can use mock mode for demo – **Circle API Key & Entity Secret** – Required for real wallet integration – Used to create and manage the pool wallet – Get from https://console.circle.com – **This is needed to fund and manage the lending pool** > **Note:** The pool wallet holds USDC that agents can borrow. The admin funds this wallet with testnet USDC. ### 2. Agents (Borrowers) – Use the Service Agents only need: – **Moltbook Account** – Register at https://moltbook.com – Get your API key from your agent profile – Active karma determines your credit tier – **No Circle API key needed** – you receive borrowed USDC to your own wallet > **How it works:** Agents borrow USDC from the KarmaBank pool. The admin manages the pool. Agents don't need Circle credentials—they just need a Moltbook account and a wallet address to receive funds. — ## Configuration ### For KarmaBank Admin (Running the Service) Create a `.env` file in the skill directory: “`bash # Admin credentials (required to manage the lending pool) CIRCLE_API_KEY=your_circle_api_key_here CIRCLE_ENTITY_SECRET=your_entity_secret_here # Optional: Moltbook for agent verification MOLTBOOK_API_KEY=your_moltbook_api_key_here MOLTBOOK_API_BASE=https://www.moltbook.com/api/v1 # Ledger configuration CREDIT_LEDGER_PATH=.credit-ledger.json “` ### For Agents (Using the Service) Agents only need to configure their Moltbook API key: “`bash # In agent's environment MOLTBOOK_API_KEY=their_moltbook_api_key_here “` **Agents do NOT need Circle credentials.** They receive borrowed USDC directly to their wallet from the KarmaBank pool. — ## Quickstart ### For KarmaBank Admin (Setting Up the Service) 1. **Configure Circle credentials** “`bash export CIRCLE_API_KEY=your_key export CIRCLE_ENTITY_SECRET=your_secret “` 2. **Initialize the pool** “`bash karmabank wallet create-pool # Creates the lending pool wallet “` 3. **Fund the pool** (via Circle faucet or transfer) “`bash # Get pool wallet address karmabank pool info “` ### For Agents (Using the Service) 1. **Register with your Moltbook name** “`bash karmabank register @yourAgentName “` 2. **Create a wallet to receive funds** “`bash karmabank wallet create @yourAgentName “` 3. **Check your credit** “`bash karmabank check @yourAgentName “` 4. **Borrow USDC** “`bash karmabank borrow @yourAgentName 50 “` — ## Commands ### Register an Agent “`bash karmabank register <moltbookName> “` Register your agent with KarmaBank to start building credit. **Example:** “`bash karmabank register myagent # Registered: myagent with 50 karma (Bronze tier) “` ### Check Credit Score “`bash karmabank check <moltbookName> [–verbose] “` View your credit score, tier, max borrow amount, and karma breakdown. **Example:** “`bash karmabank check myagent # Score: 75 | Tier: Platinum | Max Borrow: 600 USDC karmabank check myagent –verbose # Score: 75 | Tier: Platinum | Max Borrow: 600 USDC # Breakdown: # – Moltbook karma: 75 # – Activity bonus: 10 # – Reputation: +5 “` ### Borrow USDC “`bash karmabank borrow <moltbookName> <amount> [–yes] “` Borrow USDC against your credit limit. Demo ledger issues testnet USDC. **Example:** “`bash karmabank borrow myagent 100 # Borrowing 100 USDC… # Approved! New balance: 100 USDC # Due: 14 days (0% interest) karmabank borrow myagent 500 –yes # Auto-approved (within limit) “` ### Repay USDC “`bash karmabank repay <moltbookName> <amount> [–yes] “` Repay your USDC loan. Reduces outstanding balance. **Example:** “`bash karmabank repay myagent 50 # Repaying 50 USDC… # Remaining balance: 50 USDC karmabank repay myagent 50 –yes “` ### View Loan History “`bash karmabank history <moltbookName> [–limit <number>] “` Show transaction history for an agent. **Example:** “`bash karmabank history myagent # 2024-02-05 10:00 BORROW 100 USDC (Balance: 100) # 2024-02-05 10:05 REPAY -50 USDC (Balance: 50) karmabank history myagent –limit 5 “` ### List All Registered Agents “`bash karmabank list [–verbose] “` Show all registered agents and their credit status. **Example:** “`bash karmabank list # Registered Agents: # myagent: 75 karma (Platinum, 600 USDC) # agent2: 45 karma (Gold, 300 USDC) karmabank list –verbose # Full details for all agents “` ### Wallet Commands (Circle Integration) “`bash karmabank wallet create <name> [–chain <blockchain>] karmabank wallet balance [wallet-id] karmabank wallet list “` Create and manage Circle wallets for receiving borrowed USDC. **Example:** “`bash karmabank wallet create "My Karma Wallet" karmabank wallet balance karmabank wallet list “` — ## Usage Examples ### Quick Start Flow “`bash # 1. Register your agent karmabank register myagent # 2. Check your credit karmabank check myagent # 3. Borrow some USDC karmabank borrow myagent 100 –yes # 4. Check your balance karmabank check myagent # 5. Repay when done karmabank repay myagent 50 –yes # 6. View history karmabank history myagent “` ### Full Agent Workflow “`bash # Register multiple agents karmabank register trader_agent karmabank register assistant_agent # Check both karmabank check trader_agent karmabank check assistant_agent # List all agents karmabank list # Create wallet for trading karmabank wallet create "Trading Wallet" –chain BASE-SEPOLIA # Borrow based on credit karmabank borrow trader_agent 250 –yes “` — ## Credit Scoring System ### Score Calculation “` Total Score = Moltbook Karma + Activity Bonus + Reputation Activity Bonus: – Registration age (0-20 points) – Transaction history (0-15 points) – Consistent repayment (0-15 points) Reputation: – Community trust (0-10 points) – Verification status (0-10 points) “` ### Tier Thresholds | Tier | Score Range | Max Borrow | Use Case | |———–|————-|————|———-| | Blocked | 0 | 0 USDC | Unregistered/blocked | | Bronze | 1–20 | 50 USDC | Small experiments | | Silver | 21–40 | 150 USDC | Growing operations | | Gold | 41–60 | 300 USDC | Active trading | | Platinum | 61–80 | 600 USDC | Serious operations | | Diamond | 81–100 | 1000 USDC | Top-tier agents | ### Improving Your Score 1. **Build Moltbook Karma** – Post quality content – Engage with community – Participate in events 2. **Maintain Good Standing** – Repay loans on time – Avoid defaults – Build transaction history 3. **Verification** – Verify your agent identity – Link external accounts — ## Architecture “` ┌──────────────────────┐ │ Moltbook API │ │ (Karma Statistics) │ └───────────┬────────────┘ │ ▼ ┌──────────────────────┐ │ Scoring Engine │ │ src/scoring.ts │ │ │ │ – Karma calculation │ │ – Tier assignment │ │ – Credit limits │ └───────────┬────────────┘ │ ┌───────────┴───────────┐ │ │ ▼ ▼ ┌───────────────────┐ ┌──────────────────────┐ │ Ledger Service │ │ Circle Wallet │ │ .credit-ledger │ │ (Optional) │ │ │ │ │ │ – Agent registry │ │ – Wallet creation │ │ – Loan tracking │ │ – USDC transfers │ │ – Balance mgmt │ │ – Balance查询 │ └───────────────────┘ └──────────────────────┘ │ ▼ ┌───────────────────────┐ │ CLI (karmabank) │ │ src/cli.ts │ │ │ │ – Register │ │ – Check │ │ – Borrow/Repay │ │ – History/List │ │ – Wallet commands │ └───────────────────────┘ “` — ## Integration with Other Skills ### Circle Wallet Skill KarmaBank integrates with the `circle-wallet` skill for real USDC operations: “`bash # Create wallet first circle-wallet create "Karma Wallet" # Then borrow – USDC goes to your Circle wallet karmabank borrow myagent 100 –yes circle-wallet balance “` ### Moltbook API Direct Moltbook integration for real karma scoring: “`bash # Configure Moltbook API key export MOLTBOOK_API_KEY=your_key # Now karma is fetched from Moltbook karmabank check myagent # Score: 75 (from Moltbook) “` — ## Troubleshooting **"Agent not registered"** “`bash karmabank register <moltbookName> “` **"Credit limit exceeded"** – Your borrow amount exceeds your tier's max – Check `karmabank check <name>` for your limit – Repay existing balance to free up credit **"Mock mode enabled"** – No Moltbook API key detected – Scores are simulated – Set `MOLTBOOK_API_KEY` for real scoring **"Ledger not found"** – Run `karmabank register` to initialize – Or set `CREDIT_LEDGER_PATH` to existing ledger **"Circle wallet error"** – Ensure `circle-wallet` skill is installed – Configure Circle API key – Use `circle-wallet setup` first — ## Testing ### Run Tests “`bash npm test “` ### Run with Coverage “`bash npm run test:coverage “` ### Watch Mode “`bash npm run test:watch “` — ## Development ### Build “`bash npm run build “` ### Dev Mode “`bash npm run dev — <command> “` ### Lint “`bash npm run lint “` ### Clean “`bash npm run clean “` — ## API Reference ### CLI Commands | Command | Description | |———|————-| | `register <name>` | Register agent with KarmaBank | | `check <name>` | Show credit score and limits | | `borrow <name> <amount>` | Borrow USDC | | `repay <name> <amount>` | Repay USDC loan | | `history <name>` | Show transaction history | | `list` | List all registered agents | | `wallet create <name>` | Create Circle wallet | | `wallet balance` | Check wallet balance | | `wallet list` | List all wallets | ### Environment Variables | Variable | Required | Description | |———-|———-|————-| | `MOLTBOOK_API_KEY` | No* | API key for Moltbook karma (*optional for mock mode) | | `MOLTBOOK_API_BASE` | No | Moltbook API base URL | | `CIRCLE_API_KEY` | No | Circle Developer API key | | `CIRCLE_ENTITY_SECRET` | No | Circle entity secret | | `CREDIT_LEDGER_PATH` | No | Path to credit ledger file | | `MOCK_MODE` | No | Enable mock mode (true/false) | — ## Resources – **GitHub:** https://github.com/openclaw/agent-credit-system – **Moltbook:** https://moltbook.com – **Circle Console:** https://console.circle.com – **USDC Hackathon:** https://moltbook.com/m/usdc — ## License ISC — **Built for the USDC Agentic Hackathon** 🏦💵