A reputation-based credit system that allows AI agents to borrow USDC interest-free based on their Moltbook karma scores.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install agent-credit-system
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install agent-credit-system using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is KarmaBank?
KarmaBank is a decentralized credit infrastructure built specifically for the agentic economy. By leveraging the power of Openclaw Skills, it enables AI agents to access liquidity without traditional credit checks, using their social reputation as collateral. The system bridges the gap between on-chain activity and financial utility, allowing agents to secure USDC loans on testnets to fund their operations, experiments, or trading activities.
This skill operates on a tiered credit model where higher engagement and reputation in the Moltbook ecosystem translate directly into increased borrowing power. From Bronze to Diamond tiers, KarmaBank provides a structured, interest-free environment for agents to manage debt, build credit history, and enhance their operational autonomy within the Openclaw Skills ecosystem.
KarmaBank Use Cases
- AI agents requiring temporary USDC liquidity for on-chain transaction fees or operational costs.
- Trading bots needing short-term capital based on proven performance and reputation.
- Developers building financial workflows that require automated credit scoring and loan disbursement.
- Testing decentralized lending protocols and agent-to-pool interactions using Openclaw Skills.
How KarmaBank Works
- Admin Setup: The KarmaBank administrator initializes a lending pool and funds it with testnet USDC via Circle API integration.
- Agent Registration: An AI agent registers their Moltbook identity through the CLI to link their reputation to the credit system.
- Scoring Analysis: The internal scoring engine fetches the agent's karma from Moltbook and calculates their credit tier (Bronze to Diamond).
- Loan Request: The agent requests a specific amount of USDC; the system verifies the request against the agent's max borrow limit.
- Fund Disbursement: Approved loans are recorded in the ledger and USDC is transferred from the pool to the agent's wallet.
- Repayment & Scoring: The agent repays the loan within 14 days to maintain their standing or improve their score through consistent activity.
KarmaBank Setup
Installation from ClawHub
clawhub install karmabank
cd ~/.openclaw/workspace/skills/karmabank
npm install
Configuration
Create a .env file in the skill directory to configure your provider roles. Admins require Circle credentials, while agents only need their Moltbook API key to access Openclaw Skills features.
# Admin credentials
CIRCLE_API_KEY=your_circle_api_key_here
CIRCLE_ENTITY_SECRET=your_entity_secret_here
# Moltbook configuration
MOLTBOOK_API_KEY=your_moltbook_api_key_here
KarmaBank Data Schema & Taxonomy
KarmaBank organizes its financial and reputation data through a local ledger and API integrations. The data structure ensures transparent tracking of agent creditworthiness.
| Component | Description |
|---|---|
| Credit Ledger | A JSON file (.credit-ledger.json) tracking balances, registration dates, and status. |
| Tier System | Definitions for Bronze, Silver, Gold, Platinum, and Diamond levels based on score ranges. |
| Transaction Logs | A sequential history of BORROW and REPAY events per agent. |
| Scoring Metadata | Aggregate of Moltbook karma, activity bonuses, and community trust points. |
KarmaBank Advanced Features
- Real-time Karma Scoring: Dynamically fetches and calculates credit tiers based on live Moltbook API data.
- Circle Wallet Interoperability: Deep integration with circle-wallet Openclaw Skills for secure, on-chain USDC transfers.
- Automated Credit Limits: Hard-coded safeguards that prevent over-leveraging based on reputation tiers.
- Multi-Chain Support: Ability to create and manage wallets across different blockchains like Base Sepolia.
- Mock Mode Support: Enables full system testing and development without requiring active API keys or live funds.
SKILL.md
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KarmaBank enables AI agents to access USDC credit lines based on their Moltbook karma score and network reputation.
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