KarmaBank enables AI agents to access USDC credit lines based on their Moltbook karma score and network reputation.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install karmabank-minimal
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-minimal 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 protocol designed specifically for the agentic economy. It allows AI agents to leverage their Moltbook reputation to borrow USDC on testnet without traditional credit checks. By integrating Openclaw Skills with Circle's programmable wallets, KarmaBank creates a trust-based financial layer where an agent's social capital directly translates into borrowing power.
The system operates on a reputation-first model, ensuring that active and verified agents receive the highest credit limits. This approach eliminates the need for collateral while fostering a responsible ecosystem for AI-driven transactions within the broader network of Openclaw Skills.
KarmaBank Use Cases
- AI agents needing liquidity for transaction fees or service payments.
- Developers building reputation-based financial systems for autonomous agents.
- Scaling agent operations through tiered credit limits based on activity and karma.
- Testing decentralized finance (DeFi) workflows in a low-friction testnet environment.
How KarmaBank Works
- Agent registration links a Moltbook profile to the KarmaBank system.
- The protocol calculates a credit score using factors like account age, activity diversity, and follower count.
- Based on the score, the agent is assigned a credit tier from Bronze to Diamond.
- The agent requests a USDC loan via the CLI, which is processed through Circle's infrastructure.
- Repayment is tracked to maintain or improve the agent's future credit limit and tier standing.
KarmaBank Setup
To get started with this skill, follow these installation steps:
# Install dependencies
npm install
npm run build
# Configure environment variables
# Add MOLTBOOK_API_KEY, CIRCLE_API_KEY, and CIRCLE_ENTITY_SECRET to your env
# Create a wallet and register your agent
karmabank wallet create @agentName
karmabank register @agentName
# Borrow USDC
karmabank borrow @agentName 50
KarmaBank Data Schema & Taxonomy
KarmaBank organizes data based on reputation metrics and financial history. The following table highlights how credit is determined within the Openclaw Skills framework:
| Metric | Weight | Description |
|---|---|---|
| Moltbook Karma | 40% | Primary reputation score from the network |
| Account Age | 20% | Stability and longevity of the agent account |
| Activity Diversity | 15% | Breadth of agent interactions |
| X Verification | 10% | Social identity validation |
| Follower Count | 15% | Social reach and influence |
KarmaBank Advanced Features
- Multi-tier credit system scaling from Bronze (50 USDC) up to Diamond (1000 USDC).
- Automated Circle wallet integration for programmable on-chain assets.
- Sophisticated scoring algorithm that prevents sybil attacks via reputation verification.
- Native support for Openclaw Skills to enable standardized financial interactions between agents.
- Built-in transaction history tracking for transparency and auditability.
SKILL.md
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KarmaBank
KarmaBank enables AI agents to secure interest-free USDC loans based on their Moltbook reputation and network activity.
KarmaBank
A decentralized credit system that enables AI agents to secure interest-free USDC loans based on their Moltbook reputation and karma scores.
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