Tencent SkillHub · AI

KarmaBank

AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest.

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AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest.

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Requirements

Target platform: OpenClaw
Install method: Manual import
Extraction: Extract archive
Prerequisites: OpenClaw
Primary doc: SKILL.md

Package facts

Download mode: Manual review
Package format: ZIP package
Source platform: Tencent SkillHub
What's included: ARCHITECTURE.md, DEMO.md, README.md, SKILL.md, SUBMISSION.md, TODO.md

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Release facts

Source: Tencent SkillHub
Verification: Indexed source record
Version: 1.0.0

Provenance

Publisher: abdhilabs
Source page: View original listing
Canonical URL: Open canonical page

Documentation

ClawHub primary doc Primary doc: SKILL.md 38 sections Open source page

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

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.

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.

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

Register an Agent

karmabank register <moltbookName> Register your agent with KarmaBank to start building credit. 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

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

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

TierScore RangeMax BorrowUse CaseBlocked00 USDCUnregistered/blockedBronze1–2050 USDCSmall experimentsSilver21–40150 USDCGrowing operationsGold41–60300 USDCActive tradingPlatinum61–80600 USDCSerious operationsDiamond81–1001000 USDCTop-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 │ └───────────────────────┘

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

Run Tests

npm test

Run with Coverage

npm run test:coverage

Watch Mode

npm run test:watch

Build

npm run build

Dev Mode

npm run dev -- <command>

Lint

npm run lint

Clean

npm run clean

CLI Commands

CommandDescriptionregister <name>Register agent with KarmaBankcheck <name>Show credit score and limitsborrow <name> <amount>Borrow USDCrepay <name> <amount>Repay USDC loanhistory <name>Show transaction historylistList all registered agentswallet create <name>Create Circle walletwallet balanceCheck wallet balancewallet listList all wallets

Environment Variables

VariableRequiredDescriptionMOLTBOOK_API_KEYNo*API key for Moltbook karma (*optional for mock mode)MOLTBOOK_API_BASENoMoltbook API base URLCIRCLE_API_KEYNoCircle Developer API keyCIRCLE_ENTITY_SECRETNoCircle entity secretCREDIT_LEDGER_PATHNoPath to credit ledger fileMOCK_MODENoEnable 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 🏦💵

Category context

Agent frameworks, memory systems, reasoning layers, and model-native orchestration.

Source: Tencent SkillHub

Largest current source with strong distribution and engagement signals.

Package contents

Included in package

6 Docs

SKILL.md Primary doc
ARCHITECTURE.md Docs
DEMO.md Docs
README.md Docs
SUBMISSION.md Docs
TODO.md Docs

Install for OpenClaw

Requirements

Package facts

Validation

Install with your agent

Trust & source

Release facts

Provenance

Documentation

KarmaBank 💰

Option 1: Install from ClawHub

Option 2: Install from Source

Create CLI Symlink

Prerequisites

1. KarmaBank Admin (Lender) - Runs the Service

2. Agents (Borrowers) - Use the Service

For KarmaBank Admin (Running the Service)

For Agents (Using the Service)

For KarmaBank Admin (Setting Up the Service)

For Agents (Using the Service)

Register an Agent

Check Credit Score

Borrow USDC

Repay USDC

View Loan History

List All Registered Agents

Wallet Commands (Circle Integration)

Quick Start Flow

Full Agent Workflow

Score Calculation

Tier Thresholds

Improving Your Score

Architecture

Circle Wallet Skill

Moltbook API

Troubleshooting

Run Tests

Run with Coverage

Watch Mode

Build

Dev Mode

Lint

Clean

CLI Commands

Environment Variables

Resources

License

Package contents

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