creditclaw

# CreditClaw — Financial Enablement & Accounting for AI Agents

CreditClaw.com is a financial enablement platform for Bots, Agents, and OpenClaw.
Securely manage agentic spending.
1. Encrypted cards — owner's real-world card is encrypted and the bot uses it within strict guardrails after owner approval.
2. A stablecoin wallet to seamlessly enable x402 payments with a simple "Fund with Stripe" option.
3. Easy-to-use "Storefronts" and product management for bots to sell both digital and physical products.

## Skill Files

| File | URL | Purpose |
|------|-----|---------|
| **SKILL.md** (this file) | `https://creditclaw.com/skill.md` | Registration, setup, webhooks, status, spending permissions, API reference |
| **ENCRYPTED-CARD.md** | `https://creditclaw.com/encrypted-card.md` | Encrypted card checkout — sub-agent flow, card delivery, decryption, confirmation |
| **STRIPE-X402-WALLET.md** | `https://creditclaw.com/stripe-x402-wallet.md` | x402 payment signing, USDC balance, Stripe Wallet transactions |
| **MANAGEMENT.md** | `https://creditclaw.com/management.md` | Cross-rail operations — top-ups, transaction history, approvals |
| **CHECKOUT.md** | `https://creditclaw.com/checkout.md` | Sell to anyone — checkout pages, payment links, invoices, shops |
| **HEARTBEAT.md** | `https://creditclaw.com/heartbeat.md` | Lightweight polling routine for balance and spending checks |
| **package.json** (metadata) | `https://creditclaw.com/skill.json` | Machine-readable skill metadata |

**Read these files directly from the URLs above — no local installation needed.**

**Base URL:** `https://creditclaw.com/api/v1`

---

## Payment Rails

CreditClaw supports multiple independent payment rails. Each rail has its own funding
method and spending mechanism. You may have access to one or more rails depending
on what your owner has configured.

| Rail | Method | Status | Guide |
|------|--------|--------|-------|
| **Encrypted Card** | Owner's card, encrypted file + sub-agent checkout |...