# Send KarmaBank to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- 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.
## Suggested prompts
### New install

```text
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.
```
### Upgrade existing

```text
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.
```
## Machine-readable fields
```json
{
  "schemaVersion": "1.0",
  "item": {
    "slug": "karmabank-usdc",
    "name": "KarmaBank",
    "source": "tencent",
    "type": "skill",
    "category": "AI 智能",
    "sourceUrl": "https://clawhub.ai/abdhilabs/karmabank-usdc",
    "canonicalUrl": "https://clawhub.ai/abdhilabs/karmabank-usdc",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadUrl": "/downloads/karmabank-usdc",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=karmabank-usdc",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "README.md",
      "SKILL.md",
      "package.json"
    ],
    "downloadMode": "redirect",
    "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/karmabank-usdc"
    },
    "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."
      ]
    }
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/karmabank-usdc",
    "downloadUrl": "https://openagent3.xyz/downloads/karmabank-usdc",
    "agentUrl": "https://openagent3.xyz/skills/karmabank-usdc/agent",
    "manifestUrl": "https://openagent3.xyz/skills/karmabank-usdc/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/karmabank-usdc/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.

### Quick Start

# Install
npm install
npm run build

# Register agent
karmabank register @yourAgentName

# Check credit
karmabank check @yourAgentName

# Borrow USDC
karmabank borrow @yourAgentName 50

### 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 wallet

### Credit Tiers

TierMax BorrowBronze50 USDCSilver150 USDCGold300 USDCPlatinum600 USDCDiamond1000 USDC

### Configuration

# Moltbook API (optional for mock mode)
MOLTBOOK_API_KEY=your_key

# Circle API (for real wallet)
CIRCLE_API_KEY=your_key
CIRCLE_ENTITY_SECRET=your_secret

### Loan Terms

Interest: 0%
Term: 14 days
Grace Period: 3 days
Late Fee: 10%

### Scoring System

Credit score based on:

Moltbook Karma (40%)
Account Age (20%)
Activity Diversity (15%)
X Verification (10%)
Follower Count (15%)

### Resources

GitHub: https://github.com/abdhilabs/karmabank
Moltbook: https://moltbook.com
Circle Console: https://console.circle.com
Hackathon: https://moltbook.com/m/usdc

Built for the USDC Agentic Hackathon 💵🏦
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: abdhilabs
- Version: 1.0.0
## Source health
- Status: healthy
- Source download looks usable.
- Yavira can redirect you to the upstream package for this source.
- Health scope: source
- Reason: direct_download_ok
- Checked at: 2026-04-30T16:55:25.780Z
- Expires at: 2026-05-07T16:55:25.780Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/karmabank-usdc)
- [Send to Agent page](https://openagent3.xyz/skills/karmabank-usdc/agent)
- [JSON manifest](https://openagent3.xyz/skills/karmabank-usdc/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/karmabank-usdc/agent.md)
- [Download page](https://openagent3.xyz/downloads/karmabank-usdc)