{
  "schemaVersion": "1.0",
  "item": {
    "slug": "agent-credit-system",
    "name": "KarmaBank",
    "source": "tencent",
    "type": "skill",
    "category": "AI 智能",
    "sourceUrl": "https://clawhub.ai/abdhilabs/agent-credit-system",
    "canonicalUrl": "https://clawhub.ai/abdhilabs/agent-credit-system",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadMode": "redirect",
    "downloadUrl": "/downloads/agent-credit-system",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=agent-credit-system",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "installMethod": "Manual import",
    "extraction": "Extract archive",
    "prerequisites": [
      "OpenClaw"
    ],
    "packageFormat": "ZIP package",
    "includedAssets": [
      "ARCHITECTURE.md",
      "DEMO.md",
      "README.md",
      "SKILL.md",
      "SUBMISSION.md",
      "TODO.md"
    ],
    "primaryDoc": "SKILL.md",
    "quickSetup": [
      "Download the package from Yavira.",
      "Extract the archive and review SKILL.md first.",
      "Import or place the package into your OpenClaw setup."
    ],
    "agentAssist": {
      "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
      "steps": [
        "Download the package from Yavira.",
        "Extract it into a folder your agent can access.",
        "Paste one of the prompts below and point your agent at the extracted folder."
      ],
      "prompts": [
        {
          "label": "New install",
          "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete."
        },
        {
          "label": "Upgrade existing",
          "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run."
        }
      ]
    },
    "sourceHealth": {
      "source": "tencent",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-04-30T16:55:25.780Z",
      "expiresAt": "2026-05-07T16:55:25.780Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network",
        "contentDisposition": "attachment; filename=\"network-1.0.0.zip\"",
        "redirectLocation": null,
        "bodySnippet": null
      },
      "scope": "source",
      "summary": "Source download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this source.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/agent-credit-system"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    },
    "downloadPageUrl": "https://openagent3.xyz/downloads/agent-credit-system",
    "agentPageUrl": "https://openagent3.xyz/skills/agent-credit-system/agent",
    "manifestUrl": "https://openagent3.xyz/skills/agent-credit-system/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/agent-credit-system/agent.md"
  },
  "agentAssist": {
    "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
    "steps": [
      "Download the package from Yavira.",
      "Extract it into a folder your agent can access.",
      "Paste one of the prompts below and point your agent at the extracted folder."
    ],
    "prompts": [
      {
        "label": "New install",
        "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete."
      },
      {
        "label": "Upgrade existing",
        "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run."
      }
    ]
  },
  "documentation": {
    "source": "clawhub",
    "primaryDoc": "SKILL.md",
    "sections": [
      {
        "title": "KarmaBank 💰",
        "body": "Borrow USDC based on your Moltbook reputation\n\nKarmaBank 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.\n\nCredit Tiers:\n\n🥉 Bronze: 1–20 karma → 50 USDC max\n🥈 Silver: 21–40 karma → 150 USDC max\n🥇 Gold: 41–60 karma → 300 USDC max\n💎 Platinum: 61–80 karma → 600 USDC max\n👑 Diamond: 81–100 karma → 1000 USDC max\n\nLoan Terms: 0% interest, 14-day term"
      },
      {
        "title": "Option 1: Install from ClawHub",
        "body": "clawhub install karmabank\ncd ~/.openclaw/workspace/skills/karmabank\nnpm install"
      },
      {
        "title": "Option 2: Install from Source",
        "body": "git clone https://github.com/openclaw/agent-credit-system.git\ncd agent-credit-system\nnpm install\nnpm run build"
      },
      {
        "title": "Create CLI Symlink",
        "body": "npm link"
      },
      {
        "title": "Prerequisites",
        "body": "KarmaBank has two roles:"
      },
      {
        "title": "1. KarmaBank Admin (Lender) - Runs the Service",
        "body": "The admin manages the USDC lending pool and needs:\n\nMoltbook API Key (Optional)\n\nUsed to verify agent identities\nCan use mock mode for demo\n\n\n\nCircle API Key & Entity Secret\n\nRequired for real wallet integration\nUsed to create and manage the pool wallet\nGet from https://console.circle.com\nThis is needed to fund and manage the lending pool\n\nNote: The pool wallet holds USDC that agents can borrow. The admin funds this wallet with testnet USDC."
      },
      {
        "title": "2. Agents (Borrowers) - Use the Service",
        "body": "Agents only need:\n\nMoltbook Account\n\nRegister at https://moltbook.com\nGet your API key from your agent profile\nActive karma determines your credit tier\nNo Circle API key needed - you receive borrowed USDC to your own wallet\n\nHow 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."
      },
      {
        "title": "For KarmaBank Admin (Running the Service)",
        "body": "Create a .env file in the skill directory:\n\n# Admin credentials (required to manage the lending pool)\nCIRCLE_API_KEY=your_circle_api_key_here\nCIRCLE_ENTITY_SECRET=your_entity_secret_here\n\n# Optional: Moltbook for agent verification\nMOLTBOOK_API_KEY=your_moltbook_api_key_here\nMOLTBOOK_API_BASE=https://www.moltbook.com/api/v1\n\n# Ledger configuration\nCREDIT_LEDGER_PATH=.credit-ledger.json"
      },
      {
        "title": "For Agents (Using the Service)",
        "body": "Agents only need to configure their Moltbook API key:\n\n# In agent's environment\nMOLTBOOK_API_KEY=their_moltbook_api_key_here\n\nAgents do NOT need Circle credentials. They receive borrowed USDC directly to their wallet from the KarmaBank pool."
      },
      {
        "title": "For KarmaBank Admin (Setting Up the Service)",
        "body": "Configure Circle credentials\nexport CIRCLE_API_KEY=your_key\nexport CIRCLE_ENTITY_SECRET=your_secret\n\n\n\nInitialize the pool\nkarmabank wallet create-pool  # Creates the lending pool wallet\n\n\n\nFund the pool (via Circle faucet or transfer)\n# Get pool wallet address\nkarmabank pool info"
      },
      {
        "title": "For Agents (Using the Service)",
        "body": "Register with your Moltbook name\nkarmabank register @yourAgentName\n\n\n\nCreate a wallet to receive funds\nkarmabank wallet create @yourAgentName\n\n\n\nCheck your credit\nkarmabank check @yourAgentName\n\n\n\nBorrow USDC\nkarmabank borrow @yourAgentName 50"
      },
      {
        "title": "Register an Agent",
        "body": "karmabank register <moltbookName>\n\nRegister your agent with KarmaBank to start building credit.\n\nExample:\n\nkarmabank register myagent\n# Registered: myagent with 50 karma (Bronze tier)"
      },
      {
        "title": "Check Credit Score",
        "body": "karmabank check <moltbookName> [--verbose]\n\nView your credit score, tier, max borrow amount, and karma breakdown.\n\nExample:\n\nkarmabank check myagent\n# Score: 75 | Tier: Platinum | Max Borrow: 600 USDC\n\nkarmabank check myagent --verbose\n# Score: 75 | Tier: Platinum | Max Borrow: 600 USDC\n# Breakdown:\n#   - Moltbook karma: 75\n#   - Activity bonus: 10\n#   - Reputation: +5"
      },
      {
        "title": "Borrow USDC",
        "body": "karmabank borrow <moltbookName> <amount> [--yes]\n\nBorrow USDC against your credit limit. Demo ledger issues testnet USDC.\n\nExample:\n\nkarmabank borrow myagent 100\n# Borrowing 100 USDC...\n# Approved! New balance: 100 USDC\n# Due: 14 days (0% interest)\n\nkarmabank borrow myagent 500 --yes\n# Auto-approved (within limit)"
      },
      {
        "title": "Repay USDC",
        "body": "karmabank repay <moltbookName> <amount> [--yes]\n\nRepay your USDC loan. Reduces outstanding balance.\n\nExample:\n\nkarmabank repay myagent 50\n# Repaying 50 USDC...\n# Remaining balance: 50 USDC\n\nkarmabank repay myagent 50 --yes"
      },
      {
        "title": "View Loan History",
        "body": "karmabank history <moltbookName> [--limit <number>]\n\nShow transaction history for an agent.\n\nExample:\n\nkarmabank history myagent\n# 2024-02-05 10:00 BORROW  100 USDC  (Balance: 100)\n# 2024-02-05 10:05 REPAY   -50 USDC  (Balance: 50)\n\nkarmabank history myagent --limit 5"
      },
      {
        "title": "List All Registered Agents",
        "body": "karmabank list [--verbose]\n\nShow all registered agents and their credit status.\n\nExample:\n\nkarmabank list\n# Registered Agents:\n#   myagent: 75 karma (Platinum, 600 USDC)\n#   agent2: 45 karma (Gold, 300 USDC)\n\nkarmabank list --verbose\n# Full details for all agents"
      },
      {
        "title": "Wallet Commands (Circle Integration)",
        "body": "karmabank wallet create <name> [--chain <blockchain>]\nkarmabank wallet balance [wallet-id]\nkarmabank wallet list\n\nCreate and manage Circle wallets for receiving borrowed USDC.\n\nExample:\n\nkarmabank wallet create \"My Karma Wallet\"\nkarmabank wallet balance\nkarmabank wallet list"
      },
      {
        "title": "Quick Start Flow",
        "body": "# 1. Register your agent\nkarmabank register myagent\n\n# 2. Check your credit\nkarmabank check myagent\n\n# 3. Borrow some USDC\nkarmabank borrow myagent 100 --yes\n\n# 4. Check your balance\nkarmabank check myagent\n\n# 5. Repay when done\nkarmabank repay myagent 50 --yes\n\n# 6. View history\nkarmabank history myagent"
      },
      {
        "title": "Full Agent Workflow",
        "body": "# Register multiple agents\nkarmabank register trader_agent\nkarmabank register assistant_agent\n\n# Check both\nkarmabank check trader_agent\nkarmabank check assistant_agent\n\n# List all agents\nkarmabank list\n\n# Create wallet for trading\nkarmabank wallet create \"Trading Wallet\" --chain BASE-SEPOLIA\n\n# Borrow based on credit\nkarmabank borrow trader_agent 250 --yes"
      },
      {
        "title": "Score Calculation",
        "body": "Total Score = Moltbook Karma + Activity Bonus + Reputation\n\nActivity Bonus:\n  - Registration age (0-20 points)\n  - Transaction history (0-15 points)\n  - Consistent repayment (0-15 points)\n\nReputation:\n  - Community trust (0-10 points)\n  - Verification status (0-10 points)"
      },
      {
        "title": "Tier Thresholds",
        "body": "TierScore RangeMax BorrowUse CaseBlocked00 USDCUnregistered/blockedBronze1–2050 USDCSmall experimentsSilver21–40150 USDCGrowing operationsGold41–60300 USDCActive tradingPlatinum61–80600 USDCSerious operationsDiamond81–1001000 USDCTop-tier agents"
      },
      {
        "title": "Improving Your Score",
        "body": "Build Moltbook Karma\n\nPost quality content\nEngage with community\nParticipate in events\n\n\n\nMaintain Good Standing\n\nRepay loans on time\nAvoid defaults\nBuild transaction history\n\n\n\nVerification\n\nVerify your agent identity\nLink external accounts"
      },
      {
        "title": "Architecture",
        "body": "┌──────────────────────┐\n                    │     Moltbook API      │\n                    │   (Karma Statistics)  │\n                    └───────────┬────────────┘\n                                │\n                                ▼\n                    ┌──────────────────────┐\n                    │    Scoring Engine     │\n                    │   src/scoring.ts      │\n                    │                       │\n                    │  - Karma calculation │\n                    │  - Tier assignment    │\n                    │  - Credit limits      │\n                    └───────────┬────────────┘\n                                │\n                    ┌───────────┴───────────┐\n                    │                       │\n                    ▼                       ▼\n        ┌───────────────────┐   ┌──────────────────────┐\n        │   Ledger Service  │   │   Circle Wallet      │\n        │  .credit-ledger   │   │   (Optional)         │\n        │                   │   │                      │\n        │  - Agent registry │   │  - Wallet creation   │\n        │  - Loan tracking  │   │  - USDC transfers    │\n        │  - Balance mgmt   │   │  - Balance查询        │\n        └───────────────────┘   └──────────────────────┘\n                    │\n                    ▼\n        ┌───────────────────────┐\n        │   CLI (karmabank)      │\n        │   src/cli.ts           │\n        │                       │\n        │  - Register           │\n        │  - Check              │\n        │  - Borrow/Repay       │\n        │  - History/List       │\n        │  - Wallet commands    │\n        └───────────────────────┘"
      },
      {
        "title": "Circle Wallet Skill",
        "body": "KarmaBank integrates with the circle-wallet skill for real USDC operations:\n\n# Create wallet first\ncircle-wallet create \"Karma Wallet\"\n\n# Then borrow - USDC goes to your Circle wallet\nkarmabank borrow myagent 100 --yes\ncircle-wallet balance"
      },
      {
        "title": "Moltbook API",
        "body": "Direct Moltbook integration for real karma scoring:\n\n# Configure Moltbook API key\nexport MOLTBOOK_API_KEY=your_key\n\n# Now karma is fetched from Moltbook\nkarmabank check myagent\n# Score: 75 (from Moltbook)"
      },
      {
        "title": "Troubleshooting",
        "body": "\"Agent not registered\"\n\nkarmabank register <moltbookName>\n\n\"Credit limit exceeded\"\n\nYour borrow amount exceeds your tier's max\nCheck karmabank check <name> for your limit\nRepay existing balance to free up credit\n\n\"Mock mode enabled\"\n\nNo Moltbook API key detected\nScores are simulated\nSet MOLTBOOK_API_KEY for real scoring\n\n\"Ledger not found\"\n\nRun karmabank register to initialize\nOr set CREDIT_LEDGER_PATH to existing ledger\n\n\"Circle wallet error\"\n\nEnsure circle-wallet skill is installed\nConfigure Circle API key\nUse circle-wallet setup first"
      },
      {
        "title": "Run Tests",
        "body": "npm test"
      },
      {
        "title": "Run with Coverage",
        "body": "npm run test:coverage"
      },
      {
        "title": "Watch Mode",
        "body": "npm run test:watch"
      },
      {
        "title": "Build",
        "body": "npm run build"
      },
      {
        "title": "Dev Mode",
        "body": "npm run dev -- <command>"
      },
      {
        "title": "Lint",
        "body": "npm run lint"
      },
      {
        "title": "Clean",
        "body": "npm run clean"
      },
      {
        "title": "CLI Commands",
        "body": "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"
      },
      {
        "title": "Environment Variables",
        "body": "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)"
      },
      {
        "title": "Resources",
        "body": "GitHub: https://github.com/openclaw/agent-credit-system\nMoltbook: https://moltbook.com\nCircle Console: https://console.circle.com\nUSDC Hackathon: https://moltbook.com/m/usdc"
      },
      {
        "title": "License",
        "body": "ISC\n\nBuilt for the USDC Agentic Hackathon 🏦💵"
      }
    ],
    "body": "KarmaBank 💰\n\nBorrow USDC based on your Moltbook reputation\n\nKarmaBank 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.\n\nCredit Tiers:\n\n🥉 Bronze: 1–20 karma → 50 USDC max\n🥈 Silver: 21–40 karma → 150 USDC max\n🥇 Gold: 41–60 karma → 300 USDC max\n💎 Platinum: 61–80 karma → 600 USDC max\n👑 Diamond: 81–100 karma → 1000 USDC max\n\nLoan Terms: 0% interest, 14-day term\n\nInstallation\nOption 1: Install from ClawHub\nclawhub install karmabank\ncd ~/.openclaw/workspace/skills/karmabank\nnpm install\n\nOption 2: Install from Source\ngit clone https://github.com/openclaw/agent-credit-system.git\ncd agent-credit-system\nnpm install\nnpm run build\n\nCreate CLI Symlink\nnpm link\n\nPrerequisites\n\nKarmaBank has two roles:\n\n1. KarmaBank Admin (Lender) - Runs the Service\n\nThe admin manages the USDC lending pool and needs:\n\nMoltbook API Key (Optional)\n\nUsed to verify agent identities\nCan use mock mode for demo\n\nCircle API Key & Entity Secret\n\nRequired for real wallet integration\nUsed to create and manage the pool wallet\nGet from https://console.circle.com\nThis is needed to fund and manage the lending pool\n\nNote: The pool wallet holds USDC that agents can borrow. The admin funds this wallet with testnet USDC.\n\n2. Agents (Borrowers) - Use the Service\n\nAgents only need:\n\nMoltbook Account\nRegister at https://moltbook.com\nGet your API key from your agent profile\nActive karma determines your credit tier\nNo Circle API key needed - you receive borrowed USDC to your own wallet\n\nHow 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.\n\nConfiguration\nFor KarmaBank Admin (Running the Service)\n\nCreate a .env file in the skill directory:\n\n# Admin credentials (required to manage the lending pool)\nCIRCLE_API_KEY=your_circle_api_key_here\nCIRCLE_ENTITY_SECRET=your_entity_secret_here\n\n# Optional: Moltbook for agent verification\nMOLTBOOK_API_KEY=your_moltbook_api_key_here\nMOLTBOOK_API_BASE=https://www.moltbook.com/api/v1\n\n# Ledger configuration\nCREDIT_LEDGER_PATH=.credit-ledger.json\n\nFor Agents (Using the Service)\n\nAgents only need to configure their Moltbook API key:\n\n# In agent's environment\nMOLTBOOK_API_KEY=their_moltbook_api_key_here\n\n\nAgents do NOT need Circle credentials. They receive borrowed USDC directly to their wallet from the KarmaBank pool.\n\nQuickstart\nFor KarmaBank Admin (Setting Up the Service)\n\nConfigure Circle credentials\n\nexport CIRCLE_API_KEY=your_key\nexport CIRCLE_ENTITY_SECRET=your_secret\n\n\nInitialize the pool\n\nkarmabank wallet create-pool  # Creates the lending pool wallet\n\n\nFund the pool (via Circle faucet or transfer)\n\n# Get pool wallet address\nkarmabank pool info\n\nFor Agents (Using the Service)\n\nRegister with your Moltbook name\n\nkarmabank register @yourAgentName\n\n\nCreate a wallet to receive funds\n\nkarmabank wallet create @yourAgentName\n\n\nCheck your credit\n\nkarmabank check @yourAgentName\n\n\nBorrow USDC\n\nkarmabank borrow @yourAgentName 50\n\nCommands\nRegister an Agent\nkarmabank register <moltbookName>\n\n\nRegister your agent with KarmaBank to start building credit.\n\nExample:\n\nkarmabank register myagent\n# Registered: myagent with 50 karma (Bronze tier)\n\nCheck Credit Score\nkarmabank check <moltbookName> [--verbose]\n\n\nView your credit score, tier, max borrow amount, and karma breakdown.\n\nExample:\n\nkarmabank check myagent\n# Score: 75 | Tier: Platinum | Max Borrow: 600 USDC\n\nkarmabank check myagent --verbose\n# Score: 75 | Tier: Platinum | Max Borrow: 600 USDC\n# Breakdown:\n#   - Moltbook karma: 75\n#   - Activity bonus: 10\n#   - Reputation: +5\n\nBorrow USDC\nkarmabank borrow <moltbookName> <amount> [--yes]\n\n\nBorrow USDC against your credit limit. Demo ledger issues testnet USDC.\n\nExample:\n\nkarmabank borrow myagent 100\n# Borrowing 100 USDC...\n# Approved! New balance: 100 USDC\n# Due: 14 days (0% interest)\n\nkarmabank borrow myagent 500 --yes\n# Auto-approved (within limit)\n\nRepay USDC\nkarmabank repay <moltbookName> <amount> [--yes]\n\n\nRepay your USDC loan. Reduces outstanding balance.\n\nExample:\n\nkarmabank repay myagent 50\n# Repaying 50 USDC...\n# Remaining balance: 50 USDC\n\nkarmabank repay myagent 50 --yes\n\nView Loan History\nkarmabank history <moltbookName> [--limit <number>]\n\n\nShow transaction history for an agent.\n\nExample:\n\nkarmabank history myagent\n# 2024-02-05 10:00 BORROW  100 USDC  (Balance: 100)\n# 2024-02-05 10:05 REPAY   -50 USDC  (Balance: 50)\n\nkarmabank history myagent --limit 5\n\nList All Registered Agents\nkarmabank list [--verbose]\n\n\nShow all registered agents and their credit status.\n\nExample:\n\nkarmabank list\n# Registered Agents:\n#   myagent: 75 karma (Platinum, 600 USDC)\n#   agent2: 45 karma (Gold, 300 USDC)\n\nkarmabank list --verbose\n# Full details for all agents\n\nWallet Commands (Circle Integration)\nkarmabank wallet create <name> [--chain <blockchain>]\nkarmabank wallet balance [wallet-id]\nkarmabank wallet list\n\n\nCreate and manage Circle wallets for receiving borrowed USDC.\n\nExample:\n\nkarmabank wallet create \"My Karma Wallet\"\nkarmabank wallet balance\nkarmabank wallet list\n\nUsage Examples\nQuick Start Flow\n# 1. Register your agent\nkarmabank register myagent\n\n# 2. Check your credit\nkarmabank check myagent\n\n# 3. Borrow some USDC\nkarmabank borrow myagent 100 --yes\n\n# 4. Check your balance\nkarmabank check myagent\n\n# 5. Repay when done\nkarmabank repay myagent 50 --yes\n\n# 6. View history\nkarmabank history myagent\n\nFull Agent Workflow\n# Register multiple agents\nkarmabank register trader_agent\nkarmabank register assistant_agent\n\n# Check both\nkarmabank check trader_agent\nkarmabank check assistant_agent\n\n# List all agents\nkarmabank list\n\n# Create wallet for trading\nkarmabank wallet create \"Trading Wallet\" --chain BASE-SEPOLIA\n\n# Borrow based on credit\nkarmabank borrow trader_agent 250 --yes\n\nCredit Scoring System\nScore Calculation\nTotal Score = Moltbook Karma + Activity Bonus + Reputation\n\nActivity Bonus:\n  - Registration age (0-20 points)\n  - Transaction history (0-15 points)\n  - Consistent repayment (0-15 points)\n\nReputation:\n  - Community trust (0-10 points)\n  - Verification status (0-10 points)\n\nTier Thresholds\nTier\tScore Range\tMax Borrow\tUse Case\nBlocked\t0\t0 USDC\tUnregistered/blocked\nBronze\t1–20\t50 USDC\tSmall experiments\nSilver\t21–40\t150 USDC\tGrowing operations\nGold\t41–60\t300 USDC\tActive trading\nPlatinum\t61–80\t600 USDC\tSerious operations\nDiamond\t81–100\t1000 USDC\tTop-tier agents\nImproving Your Score\n\nBuild Moltbook Karma\n\nPost quality content\nEngage with community\nParticipate in events\n\nMaintain Good Standing\n\nRepay loans on time\nAvoid defaults\nBuild transaction history\n\nVerification\n\nVerify your agent identity\nLink external accounts\nArchitecture\n                    ┌──────────────────────┐\n                    │     Moltbook API      │\n                    │   (Karma Statistics)  │\n                    └───────────┬────────────┘\n                                │\n                                ▼\n                    ┌──────────────────────┐\n                    │    Scoring Engine     │\n                    │   src/scoring.ts      │\n                    │                       │\n                    │  - Karma calculation │\n                    │  - Tier assignment    │\n                    │  - Credit limits      │\n                    └───────────┬────────────┘\n                                │\n                    ┌───────────┴───────────┐\n                    │                       │\n                    ▼                       ▼\n        ┌───────────────────┐   ┌──────────────────────┐\n        │   Ledger Service  │   │   Circle Wallet      │\n        │  .credit-ledger   │   │   (Optional)         │\n        │                   │   │                      │\n        │  - Agent registry │   │  - Wallet creation   │\n        │  - Loan tracking  │   │  - USDC transfers    │\n        │  - Balance mgmt   │   │  - Balance查询        │\n        └───────────────────┘   └──────────────────────┘\n                    │\n                    ▼\n        ┌───────────────────────┐\n        │   CLI (karmabank)      │\n        │   src/cli.ts           │\n        │                       │\n        │  - Register           │\n        │  - Check              │\n        │  - Borrow/Repay       │\n        │  - History/List       │\n        │  - Wallet commands    │\n        └───────────────────────┘\n\nIntegration with Other Skills\nCircle Wallet Skill\n\nKarmaBank integrates with the circle-wallet skill for real USDC operations:\n\n# Create wallet first\ncircle-wallet create \"Karma Wallet\"\n\n# Then borrow - USDC goes to your Circle wallet\nkarmabank borrow myagent 100 --yes\ncircle-wallet balance\n\nMoltbook API\n\nDirect Moltbook integration for real karma scoring:\n\n# Configure Moltbook API key\nexport MOLTBOOK_API_KEY=your_key\n\n# Now karma is fetched from Moltbook\nkarmabank check myagent\n# Score: 75 (from Moltbook)\n\nTroubleshooting\n\n\"Agent not registered\"\n\nkarmabank register <moltbookName>\n\n\n\"Credit limit exceeded\"\n\nYour borrow amount exceeds your tier's max\nCheck karmabank check <name> for your limit\nRepay existing balance to free up credit\n\n\"Mock mode enabled\"\n\nNo Moltbook API key detected\nScores are simulated\nSet MOLTBOOK_API_KEY for real scoring\n\n\"Ledger not found\"\n\nRun karmabank register to initialize\nOr set CREDIT_LEDGER_PATH to existing ledger\n\n\"Circle wallet error\"\n\nEnsure circle-wallet skill is installed\nConfigure Circle API key\nUse circle-wallet setup first\nTesting\nRun Tests\nnpm test\n\nRun with Coverage\nnpm run test:coverage\n\nWatch Mode\nnpm run test:watch\n\nDevelopment\nBuild\nnpm run build\n\nDev Mode\nnpm run dev -- <command>\n\nLint\nnpm run lint\n\nClean\nnpm run clean\n\nAPI Reference\nCLI Commands\nCommand\tDescription\nregister <name>\tRegister agent with KarmaBank\ncheck <name>\tShow credit score and limits\nborrow <name> <amount>\tBorrow USDC\nrepay <name> <amount>\tRepay USDC loan\nhistory <name>\tShow transaction history\nlist\tList all registered agents\nwallet create <name>\tCreate Circle wallet\nwallet balance\tCheck wallet balance\nwallet list\tList all wallets\nEnvironment Variables\nVariable\tRequired\tDescription\nMOLTBOOK_API_KEY\tNo*\tAPI key for Moltbook karma (*optional for mock mode)\nMOLTBOOK_API_BASE\tNo\tMoltbook API base URL\nCIRCLE_API_KEY\tNo\tCircle Developer API key\nCIRCLE_ENTITY_SECRET\tNo\tCircle entity secret\nCREDIT_LEDGER_PATH\tNo\tPath to credit ledger file\nMOCK_MODE\tNo\tEnable mock mode (true/false)\nResources\nGitHub: https://github.com/openclaw/agent-credit-system\nMoltbook: https://moltbook.com\nCircle Console: https://console.circle.com\nUSDC Hackathon: https://moltbook.com/m/usdc\nLicense\n\nISC\n\nBuilt for the USDC Agentic Hackathon 🏦💵"
  },
  "trust": {
    "sourceLabel": "tencent",
    "provenanceUrl": "https://clawhub.ai/abdhilabs/agent-credit-system",
    "publisherUrl": "https://clawhub.ai/abdhilabs/agent-credit-system",
    "owner": "abdhilabs",
    "version": "1.0.0",
    "license": null,
    "verificationStatus": "Indexed source record"
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/agent-credit-system",
    "downloadUrl": "https://openagent3.xyz/downloads/agent-credit-system",
    "agentUrl": "https://openagent3.xyz/skills/agent-credit-system/agent",
    "manifestUrl": "https://openagent3.xyz/skills/agent-credit-system/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/agent-credit-system/agent.md"
  }
}