# Send KarmaBank to your agent
Use the source page and any available docs to guide the install because the item is currently unstable or timing out.
## Fast path
- Open the source page via Review source status.
- If you can obtain the package, extract it into a folder your agent can access.
- Paste one of the prompts below and point your agent at the source page and extracted files.
## Suggested prompts
### New install

```text
I tried to install a skill package from Yavira, but the item is currently unstable or timing out. Inspect the source page and any extracted docs, then tell me what you can confirm and any manual steps still required. Then review README.md for any prerequisites, environment setup, or post-install checks.
```
### Upgrade existing

```text
I tried to upgrade a skill package from Yavira, but the item is currently unstable or timing out. Compare the source page and any extracted docs with my current installation, then summarize what changed and what manual follow-up I still need. Then review README.md for any prerequisites, environment setup, or post-install checks.
```
## Machine-readable fields
```json
{
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  "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": {
    "downloadUrl": "/downloads/agent-credit-system",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=agent-credit-system",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "ARCHITECTURE.md",
      "DEMO.md",
      "README.md",
      "SKILL.md",
      "SUBMISSION.md",
      "TODO.md"
    ],
    "downloadMode": "manual_only",
    "sourceHealth": {
      "source": "tencent",
      "slug": "agent-credit-system",
      "status": "unstable",
      "reason": "timeout",
      "recommendedAction": "retry_later",
      "checkedAt": "2026-05-02T00:53:59.482Z",
      "expiresAt": "2026-05-02T12:53:59.482Z",
      "httpStatus": null,
      "finalUrl": null,
      "contentType": null,
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=agent-credit-system",
        "error": "Timed out after 5000ms",
        "slug": "agent-credit-system"
      },
      "scope": "item",
      "summary": "Item is unstable.",
      "detail": "This item is timing out or returning errors right now. Review the source page and try again later.",
      "primaryActionLabel": "Review source status",
      "primaryActionHref": "https://clawhub.ai/abdhilabs/agent-credit-system"
    },
    "validation": {
      "installChecklist": [
        "Wait for the source to recover or retry later.",
        "Review SKILL.md only after the download returns a real package.",
        "Treat this source as transient until the upstream errors clear."
      ],
      "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."
      ]
    }
  },
  "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"
  }
}
```
## Documentation

### 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 🏦💵
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: abdhilabs
- Version: 1.0.0
## Source health
- Status: unstable
- Item is unstable.
- This item is timing out or returning errors right now. Review the source page and try again later.
- Health scope: item
- Reason: timeout
- Checked at: 2026-05-02T00:53:59.482Z
- Expires at: 2026-05-02T12:53:59.482Z
- Recommended action: Review source status
## Links
- [Detail page](https://openagent3.xyz/skills/agent-credit-system)
- [Send to Agent page](https://openagent3.xyz/skills/agent-credit-system/agent)
- [JSON manifest](https://openagent3.xyz/skills/agent-credit-system/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/agent-credit-system/agent.md)
- [Download page](https://openagent3.xyz/downloads/agent-credit-system)