agent-credit

# Aave Credit Delegation

Borrow funds from Aave using delegated credit. Your main wallet supplies collateral and delegates borrowing power to the agent's wallet. The agent can then autonomously borrow tokens when needed — the debt accrues against the delegator's position.

> **Protocol:** Works on **Aave V3** and **Aave V2** — the function signatures for credit delegation (`borrow`, `repay`, `approveDelegation`, `borrowAllowance`) are identical across both versions. Just swap in the V2 LendingPool and ProtocolDataProvider addresses. The only cosmetic difference: V3 returns collateral/debt in USD (8 decimals), V2 in ETH (18 decimals). The health factor safety check works correctly on both.

## Compatible With

- **[OpenClaw](https://openclaw.ai/)** — Install as a skill, the agent borrows autonomously
- **[Claude Code](https://www.npmjs.com/package/@anthropic-ai/claude-code)** — Run scripts directly from a Claude Code session
- **Any agent framework** — Plain bash + Foundry's `cast`, works anywhere with a shell

Combines with **[Bankr](https://bankr.bot/)** skills for borrow-then-swap flows: borrow USDC via delegation, then use Bankr to swap, bridge, or deploy it.

## How Credit Delegation Works

Credit delegation in Aave V3 separates two things: **borrowing power** and **delegation approval**.

**Borrowing power is holistic.** It comes from your entire collateral position across all assets. If you deposit $10k worth of ETH at 80% LTV, you have $8k of borrowing power — period. That borrowing power isn't locked to any specific asset.

**Delegation approval is isolated per debt token.** You control *which* assets the agent can borrow and *how much* of each by calling `approveDelegation()` on individual VariableDebtTokens. Each asset has its own debt token contract, and each approval is independent.

This means you can, for example:
- Deposit ETH as collateral (gives you broad borrowing power)
- Approve the agent to borrow up to 500 USDC (via the USDC VariableDebtToken)...

# Agent Credit — Credit Delegation for AI Agents

Give your AI agent a credit line. It borrows from Aave when it needs funds, and the debt accrues on your position. You stay in control — you choose which assets it can borrow, how much, and you can revoke anytime.

Works on **Aave V2** and **Aave V3**. Preconfigured for Base, Ethereum, Polygon, and Arbitrum — but works on any EVM chain where Aave is deployed.

![Agent Credit — Aave Credit Delegation](img/credit.png)

## Compatible With

- **[OpenClaw](https://openclaw.ai/)** — Install as a skill and the agent can borrow autonomously
- **[Claude Code](https://www.npmjs.com/package/@anthropic-ai/claude-code)** — Run the scripts directly from a Claude Code session
- **Any agent framework** — The scripts are plain bash + Foundry's `cast`, so they work anywhere with a shell

Combines naturally with **[Bankr](https://bankr.bot/)** skills — borrow USDC via delegation, then use Bankr to swap, bridge, or deploy it. The agent gets a credit line *and* a full DeFi toolkit.

## What This Enables

- **Self-funding agents** — The agent borrows stablecoins or tokens to pay for operations without you manually transferring funds each time
- **Autonomous DCA** — Agent borrows USDC periodically, then uses Bankr to swap into ETH
- **Gas self-sufficiency** — Agent borrows a tiny amount of WETH to cover its own gas when it runs low
- **On-demand liquidity** — Agent accesses capital exactly when needed, not sitting idle in a wallet
- **Borrow + swap combos** — Borrow USDC via delegation, swap to any token via Bankr, all in one agent flow

The agent only needs a wallet with a tiny amount of ETH for gas. All real capital comes from your Aave position via delegation.

## How Credit Delegation Works

Credit delegation separates two things: **borrowing power** and **delegation approval**.

**Borrowing power is holistic.** It comes from your entire collateral position across all assets. If you deposit $10k worth of ETH at 80% LTV, you have $8k of...