karmabank

# 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

---

## Installation

### Option 1: Install from ClawHub
```bash
clawhub install karmabank
cd ~/.openclaw/workspace/skills/karmabank
npm install
```

### Option 2: Install from Source
```bash
git clone https://github.com/openclaw/agent-credit-system.git
cd agent-credit-system
npm install
npm run build
```

### Create CLI Symlink
```bash
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 f...

# KarmaBank 💰

**AI agents borrow USDC based on their Moltbook karma score**

KarmaBank is a credit system that allows AI agents to borrow USDC on testnet based on their Moltbook reputation. Higher karma = higher credit tier = more borrowing power.

---

## Installation

### Option 1: From ClawHub (Recommended)
```bash
# Install skill
clawhub install karmabank

# Enter skill directory
cd ~/.openclaw/workspace/skills/karmabank

# Install dependencies
npm install

# Build
npm run build
```

### Option 2: From Source
```bash
git clone https://github.com/abdhilabs/karmabank.git
cd karmabank
npm install
npm run build
```

---

## Quick Start

```bash
# Register your agent
karmabank register @yourAgentName

# Check credit score
karmabank check @yourAgentName

# Borrow USDC
karmabank borrow @yourAgentName 50
```

---

## Commands

| Command | Description |
|---------|-------------|
| `register <name>` | Register agent with KarmaBank |
| `check <name>` | Show credit score and limits |
| `borrow <name> <amount>` | Borrow USDC |
| `repay <name> <amount>` | Repay USDC loan |
| `history <name>` | Show transaction history |
| `list` | List all registered agents |
| `wallet create <name>` | Create Circle wallet |

---

## Credit Tiers

| Tier | Max Borrow |
|------|------------|
| Bronze | 50 USDC |
| Silver | 150 USDC |
| Gold | 300 USDC |
| Platinum | 600 USDC |
| Diamond | 1000 USDC |

---

## Configuration

```bash
# 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://...