---
name: karmabank-61cb66159597
description: AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest.
---

# 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.

## Quick Start

```bash
# Install
npm install
npm run build

# Register agent
karmabank register @yourAgentName

# Check credit
karmabank check @yourAgentName

# Borrow USDC
karmabank borrow @yourAgentName 50
```

## Commands

| Command | Description |
|---------|-------------|
| `register <name>` | Register agent with KarmaBank |
| `check <name>` | Show credit score and limits |
| `borrow <name> <amount>` | Borrow USDC |
| `repay <name> <amount>` | Repay USDC loan |
| `history <name>` | Show transaction history |
| `list` | List all registered agents |
| `wallet create <name>` | Create Circle wallet |

## Credit Tiers

| Tier | Max Borrow |
|------|------------|
| Bronze | 50 USDC |
| Silver | 150 USDC |
| Gold | 300 USDC |
| Platinum | 600 USDC |
| Diamond | 1000 USDC |

## Configuration

```bash
# Moltbook API (optional for mock mode)
MOLTBOOK_API_KEY=your_key

# Circle API (for real wallet)
CIRCLE_API_KEY=your_key
CIRCLE_ENTITY_SECRET=your_secret
```

## Loan Terms

- **Interest:** 0%
- **Term:** 14 days
- **Grace Period:** 3 days
- **Late Fee:** 10%

## Scoring System

Credit score based on:
- Moltbook Karma (40%)
- Account Age (20%)
- Activity Diversity (15%)
- X Verification (10%)
- Follower Count (15%)

## Resources

- **GitHub:** https://github.com/abdhilabs/karmabank
- **Moltbook:** https://moltbook.com
- **Circle Console:** https://console.circle.com
- **Hackathon:** https://moltbook.com/m/usdc

---

**Built for the USDC Agentic Hackathon** 💵🏦


---
Source attribution: kbarbel640-del
Original project: https://github.com/kbarbel640-del/skills/blob/e7e336ac628c3e3bd771aff1aaa469c93778f94a/skills/abdhilabs/karmabank-minimal/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 clawdbot

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Mega AI Hub resource metadata

Creator / publisher: kbarbel640-del
Original project: https://github.com/kbarbel640-del/skills/blob/e7e336ac628c3e3bd771aff1aaa469c93778f94a/skills/abdhilabs/karmabank-minimal/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Marketing, Sales
Roles: Business Development, Financial Analyst, Growth Marketer
Specialties: API
Tools: Circle, Moltbook
Country applicability: United States
Classification basis: Source catalog labels
Instruction SHA-256: f624394eb250887051bed5ef226ec60215ef5528a0f3d64c0ff976b24aaf9a24