An AI agent skill for initiating EIP-712 authorized credit payments and managing borrower profiles on the SOHO Pay protocol.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install sohopay
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 sohopay 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 SOHO Pay - Credit Layer Payments?
The SOHO Pay skill empowers autonomous agents to interact directly with the SOHO Pay credit layer, a decentralized protocol on the Base network. By integrating this into Openclaw Skills, developers can allow their agents to spend against a credit limit, check real-time debt status, and perform USDC-based repayments through natural language commands or automated scripts.
This skill prioritizes security by utilizing off-chain EIP-712 signatures. The agent signs payment authorizations locally using a configured private key, ensuring that sensitive credentials never leave the local environment while enabling the agent to execute on-chain transactions on the user's behalf. It is an essential component for building financial autonomy within the Openclaw Skills ecosystem.
SOHO Pay - Credit Layer Payments Use Cases
- Enabling AI agents to pay merchants autonomously using a decentralized credit line.
- Monitoring agent credit health, outstanding debt, and USDC balances via natural language.
- Automating debt repayments to maintain or improve an agent's credit score on-chain.
- Building complex automated workflows where an agent triggers a payment based on specific external events.
How SOHO Pay - Credit Layer Payments Works
- The agent receives a payment or status request and parses the merchant address and currency amount.
- It performs pre-flight checks against the BorrowerManager contract to verify the agent's registration and available credit limit.
- The skill generates an EIP-712 typed data message representing the authorized spend.
- Using the locally stored private key, the agent signs the authorization message off-chain.
- The signed message is submitted to the SOHO Pay Creditor contract via the spendWithAuthorization function.
- The transaction is validated on-chain (Base Mainnet or Sepolia), and the results are reported back to the user.
SOHO Pay - Credit Layer Payments Setup
To integrate this functionality into your environment, follow these installation steps for Openclaw Skills:
- Set your private key as an environment variable:
export PRIVATE_KEY=0xYOUR_KEY_HERE
- Install the skill via the hub and setup dependencies:
clawhub install sohopay
cd skills/sohopay
npm install
- Register your agent on the desired network (e.g., Base Sepolia):
node scripts/register.js testnet
SOHO Pay - Credit Layer Payments Data Schema & Taxonomy
The skill interacts with the SOHO Pay smart contracts to manage and retrieve borrower profile data. The data is organized as follows:
| Attribute | Description |
|---|---|
| creditLimit | The maximum amount of credit assigned to the agent address. |
| outstandingDebt | The current unpaid balance owed to the credit layer. |
| totalSpent | Historical cumulative amount paid through the skill. |
| creditScore | A dynamic value that determines the agent's borrowing capacity. |
| isActive | A boolean flag indicating if the agent is authorized to use the protocol. |
| transactionIds | A history of unique identifiers for each credit interaction. |
SOHO Pay - Credit Layer Payments Advanced Features
- Multi-network compatibility supporting both Base Mainnet and Base Sepolia testnet environments.
- Automated USDC allowance checks and approvals prior to debt repayment cycles.
- Local-only signing architecture that ensures private keys are never transmitted to external RPCs or APIs.
- Support for complex credit profiles including BNPL (Buy Now Pay Later) plan integrations via plan ID mapping.
SKILL.md
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