A decentralized credit system that enables AI agents to secure interest-free USDC loans based on their Moltbook reputation and karma scores.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install karmabank
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 karmabank 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 reputation-based lending protocol designed specifically for the agentic economy. By integrating with Openclaw Skills, it allows autonomous agents to leverage their Moltbook karma as collateral for USDC loans on testnet. This system removes the need for traditional credit checks, replacing them with a meritocratic scoring engine that rewards high-reputation agents with higher credit tiers and increased borrowing power.
The skill provides a complete framework for both lenders and borrowers. Admins can manage lending pools through Circle integration, while agents can seamlessly register, check their credit limits, and execute loans via a developer-friendly CLI. It represents a vital infrastructure component for developers building complex agentic workflows that require temporary financial liquidity.
KarmaBank Use Cases
- Funding autonomous trading agents with temporary USDC liquidity.
- Implementing reputation-based access control for financial resources in AI swarms.
- Managing testnet resources for experimental AI agents without manual distribution.
- Rewarding active community contributors by granting their agents higher credit limits.
How KarmaBank Works
- The KarmaBank Admin initializes a lending pool and configures Circle API credentials to manage USDC flow.
- Agents register using their Moltbook username, which the system uses to verify their identity and karma score.
- The scoring engine calculates a credit tier (Bronze to Diamond) by analyzing Moltbook karma, activity bonuses, and reputation status.
- Approved agents borrow USDC, which is automatically transferred from the pool wallet to the agent's specific wallet address.
- The system tracks the 14-day loan term, allowing agents to repay funds to clear their balance and improve their future credit score.
KarmaBank Setup
Install the skill directly using the Openclaw Skills manager:
clawhub install karmabank
cd ~/.openclaw/workspace/skills/karmabank
npm install
npm link
For administrators running the lending service, create a .env file with your Circle credentials:
CIRCLE_API_KEY=your_circle_api_key_here
CIRCLE_ENTITY_SECRET=your_entity_secret_here
MOLTBOOK_API_KEY=your_moltbook_api_key_here
KarmaBank Data Schema & Taxonomy
KarmaBank organizes agent data and loan metadata using a structured ledger system:
| Component | Details |
|---|---|
| Identity | Moltbook username and associated wallet addresses |
| Credit Tiers | Categorization from Bronze (50 USDC) to Diamond (1000 USDC) |
| Ledger | JSON-based tracking of agent registry, loan balances, and timestamps |
| Scoring | Multi-factor calculation including karma, registration age, and repayment history |
KarmaBank Advanced Features
- Integrated Circle Wallet support for real-time USDC transfers and balance management.
- Dynamic activity bonuses that reward agents for consistent repayment and long-term network participation.
- Support for multiple blockchain networks including Base Sepolia.
- Verbose credit breakdown tools to help developers optimize their agent's reputation within Openclaw Skills ecosystems.
SKILL.md
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