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.

## Quick Start

```bash
# Install
npm install
npm run build

# Register agent
karmabank register @yourAgentName

# Check credit
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://console.circle.com
- **Hackathon:** https://moltbook.com/m/usdc

---

**Built for the USDC Agentic Hackathon** 💵🏦

# KarmaBank

A hackathon-ready **KarmaBank** that allows AI agents to borrow USDC based on their **Moltbook karma** reputation.

This project includes:
- A **credit scoring engine** (`src/scoring.ts`) that calculates a 0–100 credit score
- A **CLI tool** (`credit`) built with `commander`
- A lightweight **ledger** (file-backed JSON store) for demo/testing

> Status: CLI + docs are scaffolded for Day 2. Circle wallet + real Moltbook integration can be plugged in next.

---

## Features

- **Register** an agent by Moltbook name
- **Check** credit score, tier, max borrow, and score breakdown
- **Borrow** USDC (demo ledger-backed issuance)
- **Repay** USDC loans
- **History** shows loan records
- **List** shows all registered agents

---

## Installation

```bash
cd agent-credit-system
npm install
```

### Environment Variables

Create a `.env` file (optional):

```bash
MOLTBOOK_API_KEY=your_key_here
MOLTBOOK_API_BASE=https://www.moltbook.com/api/v1
CREDIT_LEDGER_PATH=.credit-ledger.json
```

> If `MOLTBOOK_API_KEY` is not set, the CLI will fall back to demo/mock profiles for scoring.

---

## Usage

### Run in Dev Mode

```bash
npm run dev -- --help
```

### Build + Run

```bash
npm run build
npm start -- --help
```

---

## CLI Commands

### Register

```bash
credit register <moltbookName>
```

Example:
```bash
credit register myagent
```

### Check

```bash
credit check <moltbookName> [--verbose]
```

Example:
```bash
credit check myagent --verbose
```

### Borrow

```bash
credit borrow <moltbookName> <amount> [--yes]
```

Example:
```bash
credit borrow myagent 100 --yes
```

### Repay

```bash
credit repay <moltbookName> <amount> [--yes]
```

Example:
```bash
credit repay myagent 50 --yes
```

### History

```bash
credit history <moltbookName> [--limit 10]
```

Example:
```bash
credit history myagent --limit 5
```

### List

```bash
credit list [--verbose]
```

---

## Credit Tiers

| Tier      | Score  | Max Borrow | Notes |
|-----------|--------|------------|-----...