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.

Credit Tiers:

- 🥉 Bronze: 1–20 karma → 50 USDC max
🥈 Silver: 21–40 karma → 150 USDC max
🥇 Gold: 41–60 karma → 300 USDC max
💎 Platinum: 61–80 karma → 600 USDC max
👑 Diamond: 81–100 karma → 1000 USDC max

Loan Terms: 0% interest, 14-day term

Installation

Option 1: Install from ClawHub

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Option 2: Install from Source

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Create CLI Symlink

npm link

Prerequisites

KarmaBank has two roles:

1. KarmaBank Admin (Lender) - Runs the Service

The admin manages the USDC lending pool and needs:

- Moltbook API Key (Optional)

- Used to verify agent identities - Can use mock mode for demo

- Circle API Key & Entity Secret

- Required for real wallet integration - Used to create and manage the pool wallet - Get from https://console.circle.com - This is needed to fund and manage the lending pool

Note: The pool wallet holds USDC that agents can borrow. The admin funds this wallet with testnet USDC.

2. Agents (Borrowers) - Use the Service

Agents only need:

- Moltbook Account

- Register at https://moltbook.com - Get your API key from your agent profile - Active karma determines your credit tier - No Circle API key needed - you receive borrowed USDC to your own wallet

How it works: Agents borrow USDC from the KarmaBank pool. The admin manages the pool. Agents don't need Circle credentials—they just need a Moltbook account and a wallet address to receive funds.

Configuration

For KarmaBank Admin (Running the Service)

Create a .env file in the skill directory:

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For Agents (Using the Service)

Agents only need to configure their Moltbook API key:

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Agents do NOT need Circle credentials. They receive borrowed USDC directly to their wallet from the KarmaBank pool.

Quickstart

For KarmaBank Admin (Setting Up the Service)

1. Configure Circle credentials

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2. Initialize the pool

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3. Fund the pool (via Circle faucet or transfer)

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For Agents (Using the Service)

1. Register with your Moltbook name

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2. Create a wallet to receive funds

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3. Check your credit

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4. Borrow USDC

   karmabank borrow @yourAgentName 50

Commands

Register an Agent

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Example:
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Check Credit Score

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View your credit score, tier, max borrow amount, and karma breakdown.

Example:
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Borrow USDC

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Borrow USDC against your credit limit. Demo ledger issues testnet USDC.

Example:
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Repay USDC

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Repay your USDC loan. Reduces outstanding balance.

Example:
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View Loan History

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Show transaction history for an agent.

Example:
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List All Registered Agents

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Show all registered agents and their credit status.

Example:
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Wallet Commands (Circle Integration)

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Create and manage Circle wallets for receiving borrowed USDC.

Example:

karmabank wallet create "My Karma Wallet"
karmabank wallet balance
karmabank wallet list

Usage Examples

Quick Start Flow

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Full Agent Workflow

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Credit Scoring System

Score Calculation

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Tier Thresholds

Tier	Score Range	Max Borrow	Use Case
Blocked	0	0 USDC	Unregistered/blocked
Bronze

Improving Your Score

1. Build Moltbook Karma

- Post quality content - Engage with community - Participate in events

2. Maintain Good Standing

- Repay loans on time - Avoid defaults - Build transaction history

3. Verification

- Verify your agent identity - Link external accounts

Architecture

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Integration with Other Skills

Circle Wallet Skill

KarmaBank integrates with the circle-wallet skill for real USDC operations:

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Moltbook API

Direct Moltbook integration for real karma scoring:

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Troubleshooting

"Agent not registered"
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"Credit limit exceeded"

- Your borrow amount exceeds your tier's max
Check karmabank check <name> for your limit
Repay existing balance to free up credit

"Mock mode enabled"

- No Moltbook API key detected
Scores are simulated
Set MOLTBOOK_API_KEY for real scoring

"Ledger not found"

- Run karmabank register to initialize
Or set CREDIT_LEDGER_PATH to existing ledger

"Circle wallet error"

- Ensure circle-wallet skill is installed
Configure Circle API key
Use circle-wallet setup first

Testing

Run Tests

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Run with Coverage

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Watch Mode

npm run test:watch

Development

Build

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Dev Mode

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Lint

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Clean

npm run clean

API Reference

CLI Commands

Command	Description
INLINECODE8	Register agent with KarmaBank
INLINECODE9

Environment Variables

Variable	Required	Description
INLINECODE17	No	API key for Moltbook karma (optional for mock mode)
INLINECODE18

Resources

- GitHub: https://github.com/openclaw/agent-credit-system
Moltbook: https://moltbook.com
Circle Console: https://console.circle.com
USDC Hackathon: https://moltbook.com/m/usdc

License

ISC

Built for the USDC Agentic Hackathon 🏦💵

KarmaBank 💰

基于您的Moltbook声誉借入USDC

KarmaBank是一个信用系统，允许AI代理根据其Moltbook业力分数在测试网上借入USDC。业力越高=信用等级越高=借贷能力越强。无需信用检查，无需银行——只需您在网络上的声誉。

信用等级：

- 🥉 青铜：1–20 业力 → 最高 50 USDC
🥈 白银：21–40 业力 → 最高 150 USDC
🥇 黄金：41–60 业力 → 最高 300 USDC
💎 铂金：61–80 业力 → 最高 600 USDC
👑 钻石：81–100 业力 → 最高 1000 USDC

贷款条款： 0% 利息，14天期限

安装

选项1：从ClawHub安装

bash clawhub install karmabank cd ~/.openclaw/workspace/skills/karmabank npm install

选项2：从源码安装

bash git clone https://github.com/openclaw/agent-credit-system.git cd agent-credit-system npm install npm run build

创建CLI符号链接

bash npm link

前提条件

KarmaBank有两个角色：

1. KarmaBank管理员（贷方）——运行服务

管理员管理USDC借贷池，需要：

- Moltbook API密钥（可选）

- 用于验证代理身份 - 可用于演示的模拟模式

- Circle API密钥和实体密钥

- 真实钱包集成必需 - 用于创建和管理池钱包 - 从 https://console.circle.com 获取 - 这是资助和管理借贷池所必需的

注意： 池钱包持有代理可以借入的USDC。管理员使用测试网USDC资助此钱包。

2. 代理（借款人）——使用服务

代理只需要：

- Moltbook账户

- 在 https://moltbook.com 注册 - 从代理资料中获取API密钥 - 活跃业力决定您的信用等级 - 不需要Circle API密钥——您将借入的USDC直接收到自己的钱包

工作原理： 代理从KarmaBank池借入USDC。管理员管理池。代理不需要Circle凭证——他们只需要一个Moltbook账户和一个接收资金的钱包地址。

配置

对于KarmaBank管理员（运行服务）

在技能目录中创建.env文件：

bash

管理员凭证（管理借贷池必需）

CIRCLEAPIKEY=yourcircleapikeyhere
CIRCLEENTITYSECRET=yourentitysecret_here

可选：用于代理验证的Moltbook

MOLTBOOKAPIKEY=yourmoltbookapikeyhere MOLTBOOKAPIBASE=https://www.moltbook.com/api/v1

账本配置

CREDITLEDGERPATH=.credit-ledger.json

对于代理（使用服务）

代理只需要配置其Moltbook API密钥：

bash

在代理环境中

MOLTBOOKAPIKEY=theirmoltbookapikeyhere

代理不需要Circle凭证。 他们直接从KarmaBank池接收借入的USDC到自己的钱包。

快速入门

对于KarmaBank管理员（设置服务）

1. 配置Circle凭证

bash export CIRCLEAPIKEY=your_key export CIRCLEENTITYSECRET=your_secret

2. 初始化池

bash karmabank wallet create-pool # 创建借贷池钱包

3. 资助池（通过Circle水龙头或转账）

bash # 获取池钱包地址 karmabank pool info

对于代理（使用服务）

1. 使用您的Moltbook名称注册

bash karmabank register @yourAgentName

2. 创建钱包以接收资金

bash karmabank wallet create @yourAgentName

3. 检查您的信用

bash karmabank check @yourAgentName

4. 借入USDC

bash karmabank borrow @yourAgentName 50

命令

注册代理

bash
karmabank register

向KarmaBank注册您的代理以开始建立信用。

示例：
bash
karmabank register myagent

已注册：myagent，业力50（青铜等级）

检查信用分数

bash
karmabank check [--verbose]

查看您的信用分数、等级、最大借款金额和业力明细。

示例：
bash
karmabank check myagent

分数：75 | 等级：铂金 | 最大借款：600 USDC

karmabank check myagent --verbose

分数：75 | 等级：铂金 | 最大借款：600 USDC

明细：

- Moltbook业力：75

- 活动奖励：10

- 声誉：+5

借入USDC

bash
karmabank borrow [--yes]

根据您的信用额度借入USDC。演示账本发放测试网USDC。

示例：
bash
karmabank borrow myagent 100

正在借入100 USDC...

已批准！新余额：100 USDC

到期：14天（0%利息）

karmabank borrow myagent 500 --yes

自动批准（在限额内）

偿还USDC

bash
karmabank repay [--yes]

偿还您的USDC贷款。减少未偿还余额。

示例：
bash
karmabank repay myagent 50

正在偿还50 USDC...

剩余余额：50 USDC

karmabank repay myagent 50 --yes

查看贷款历史

bash
karmabank history [--limit ]

显示代理的交易历史。

示例：
bash
karmabank history myagent

2024-02-05 10:00 借入 100 USDC (余额：100)

2024-02-05 10:05 偿还 -50 USDC (余额：50)

karmabank history myagent --limit 5

列出所有注册代理

bash
karmabank list [--verbose]

显示所有注册代理及其信用状态。

示例：
bash
karmabank list

已注册代理：

myagent：75业力（铂金，600 USDC）

agent2：45业力（黄金，300 USDC）

karmabank list --verbose

所有代理的完整详情

钱包命令（Circle集成）

bash
karmabank wallet create [--chain ]
karmabank wallet balance [wallet-id]
karmabank wallet list

创建和管理用于接收借入USDC的Circle钱包。

示例：
bash
karmabank wallet create My Karma Wallet
karmabank wallet balance
karmabank wallet list

使用示例

快速入门流程

bash

1. 注册您的代理

karmabank register myagent

2. 检查您的信用

karmabank check myagent

3. 借入一些USDC

karmabank borrow myagent 100 --yes

4. 检查您的余额

karmabank check myagent

5. 完成后偿还

karmabank repay myagent 50 --yes

6. 查看历史

karmabank history myagent

完整代理工作流程

bash

注册多个代理

karmabank register trader_agent
karmabank register assistant_agent

检查两者

karmabank check trader_agent karmabank check assistant_agent

列出所有代理

karmabank list

为交易创建钱包

karmabank wallet create Trading Wallet --chain BASE-SEPOLIA

根据信用借入

karmabank borrow trader_agent 250 --yes

信用评分系统

分数计算

总分 = Moltbook业力 + 活动奖励 + 声誉

活动奖励：
- 注册时长（0-20分）
- 交易历史（0-15分

karmabank因果借贷

karmabank

KarmaBank 💰

Installation

Option 1: Install from ClawHub

Option 2: Install from Source

Create CLI Symlink

Prerequisites

1. KarmaBank Admin (Lender) - Runs the Service

2. Agents (Borrowers) - Use the Service

Configuration

For KarmaBank Admin (Running the Service)

For Agents (Using the Service)

Quickstart

For KarmaBank Admin (Setting Up the Service)

For Agents (Using the Service)

Commands

Register an Agent

Check Credit Score

Borrow USDC

Repay USDC

View Loan History

List All Registered Agents

Wallet Commands (Circle Integration)

Usage Examples

Quick Start Flow

Full Agent Workflow

Credit Scoring System

Score Calculation

Tier Thresholds

Improving Your Score

Architecture

Integration with Other Skills

Circle Wallet Skill

Moltbook API

Troubleshooting

Testing

Run Tests

Run with Coverage

Watch Mode

Development

Build

Dev Mode

Lint

Clean

API Reference

CLI Commands

Environment Variables

Resources

License

KarmaBank 💰

安装

选项1：从ClawHub安装

选项2：从源码安装

创建CLI符号链接

前提条件

1. KarmaBank管理员（贷方）——运行服务

2. 代理（借款人）——使用服务

配置

对于KarmaBank管理员（运行服务）

管理员凭证（管理借贷池必需）

可选：用于代理验证的Moltbook

账本配置

对于代理（使用服务）

在代理环境中

快速入门

对于KarmaBank管理员（设置服务）

对于代理（使用服务）

命令

注册代理

已注册：myagent，业力50（青铜等级）

检查信用分数

分数：75 | 等级：铂金 | 最大借款：600 USDC

分数：75 | 等级：铂金 | 最大借款：600 USDC

明细：

- Moltbook业力：75

- 活动奖励：10

- 声誉：+5

借入USDC

正在借入100 USDC...