karmabank - SKILL.md Agent Skill

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

|-----------|-------------|------------|----------|

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 🏦💵