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

clawhub install karmabank
cd ~/.openclaw/workspace/skills/karmabank
npm install

Option 2: Install from Source

git clone https://github.com/openclaw/agent-credit-system.git
cd agent-credit-system
npm install
npm run build

Create CLI Symlink

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:

# 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:

# 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)

Configure Circle credentials

export CIRCLE_API_KEY=your_key
export CIRCLE_ENTITY_SECRET=your_secret

Initialize the pool

karmabank wallet create-pool  # Creates the lending pool wallet

Fund the pool (via Circle faucet or transfer)

# Get pool wallet address
karmabank pool info

For Agents (Using the Service)

Register with your Moltbook name
```
karmabank register @yourAgentName
```
Create a wallet to receive funds
```
karmabank wallet create @yourAgentName
```
Check your credit
```
karmabank check @yourAgentName
```
Borrow USDC
```
karmabank borrow @yourAgentName 50
```

Commands

Register an Agent

karmabank register <moltbookName>

Example:

karmabank register myagent
# Registered: myagent with 50 karma (Bronze tier)

Check Credit Score

karmabank check <moltbookName> [--verbose]

View your credit score, tier, max borrow amount, and karma breakdown.

Example:

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

karmabank borrow <moltbookName> <amount> [--yes]

Borrow USDC against your credit limit. Demo ledger issues testnet USDC.

Example:

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

karmabank repay <moltbookName> <amount> [--yes]

Repay your USDC loan. Reduces outstanding balance.

Example:

karmabank repay myagent 50
# Repaying 50 USDC...
# Remaining balance: 50 USDC

karmabank repay myagent 50 --yes

View Loan History

karmabank history <moltbookName> [--limit <number>]

Show transaction history for an agent.

Example:

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

karmabank list [--verbose]

Show all registered agents and their credit status.

Example:

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)

karmabank wallet create <name> [--chain <blockchain>]
karmabank wallet balance [wallet-id]
karmabank wallet list

Create and manage Circle wallets for receiving borrowed USDC.

Example:

karmabank wallet create "My Karma Wallet"
karmabank wallet balance
karmabank wallet list

Usage Examples

Quick Start Flow

# 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

# 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

Build Moltbook Karma
- Post quality content
- Engage with community
- Participate in events
Maintain Good Standing
- Repay loans on time
- Avoid defaults
- Build transaction history
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:

# 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:

# 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"

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

npm test

Run with Coverage

npm run test:coverage

Watch Mode

npm run test:watch

Development

Build

npm run build

Dev Mode

npm run dev -- <command>

Lint

npm run lint

Clean

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 🏦💵