← Back to Skills Marketplace
1205
Downloads
0
Stars
0
Active Installs
1
Versions
Install in OpenClaw
/install karmabank-usdc
Description
AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest.
README (SKILL.md)
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
# 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 \x3Cname> |
Register agent with KarmaBank |
check \x3Cname> |
Show credit score and limits |
borrow \x3Cname> \x3Camount> |
Borrow USDC |
repay \x3Cname> \x3Camount> |
Repay USDC loan |
history \x3Cname> |
Show transaction history |
list |
List all registered agents |
wallet create \x3Cname> |
Create Circle wallet |
Credit Tiers
| Tier | Max Borrow |
|---|---|
| Bronze | 50 USDC |
| Silver | 150 USDC |
| Gold | 300 USDC |
| Platinum | 600 USDC |
| Diamond | 1000 USDC |
Configuration
# 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 💵🏦
Usage Guidance
Do not install or provide secrets to this skill yet. The package in the registry contains only docs and package.json but no source/CLI, and the package.json references a local dependency path—this indicates the bundle is incomplete or packaged for a different workspace. If you want to proceed: 1) Inspect the upstream GitHub repo (https://github.com/abdhilabs/karmabank) and verify the source code, build artifacts, and published releases match the SKILL.md. 2) Never supply production CIRCLE_API_KEY or CIRCLE_ENTITY_SECRET without code review; use testnet/dev keys and a sandboxed environment. 3) Be cautious running npm install from an untrusted repo (it downloads remote packages). 4) Prefer only installing from a verified release or after the author corrects the local file dependency and includes the CLI source. If you cannot verify these, treat the skill as untrusted and avoid providing credentials or running its install commands.
Capability Analysis
Type: OpenClaw Skill
Name: karmabank-usdc
Version: 1.0.0
The skill bundle appears benign. Its stated purpose is to allow AI agents to borrow USDC based on their Moltbook karma score, which involves interacting with financial APIs. The `SKILL.md` and `README.md` files clearly describe the skill's functionality and commands without any evidence of prompt injection attempts or malicious instructions. The `package.json` lists standard dependencies, including the `@circle-fin/developer-controlled-wallets` SDK and `dotenv` for handling API keys, which are consistent with the skill's purpose. A local dependency `file:../skills/circle-wallet` is present, indicating a modular OpenClaw skill architecture rather than a suspicious remote dependency.
Capability Assessment
Purpose & Capability
The SKILL.md and README describe a CLI (karmabank) that interacts with Moltbook and Circle to register agents, create wallets, and move USDC. However the skill bundle contains no source files or CLI implementation—only package.json and docs—so the claimed functionality is not present in the package. package.json also references a local dependency ('file:../skills/circle-wallet'), which is incoherent for a published skill and will fail or pull in unexpected local content when installed.
Instruction Scope
Runtime instructions tell the agent to run npm install, npm run build, and then CLI commands that call external services (Moltbook, Circle). The steps themselves are limited to expected operations for this purpose, but they require executing package installs and network calls. The SKILL.md does not instruct reading unrelated system files, but it does rely on optional environment secrets for Circle (sensitive) and Moltbook.
Install Mechanism
There is no install spec in the registry (instruction-only), but the README instructs running npm install which would fetch dependencies from npm. package.json lists reasonable public packages but also a local file dependency ('@circle/openclaw-wallet-skill': 'file:../skills/circle-wallet') that is not resolvable from the published bundle and suggests the package was packaged for a specific local workspace rather than general distribution. The bundle also lacks the source files referenced by package.json (no src/ or dist/), making the recommended build steps impossible without pulling code from the external GitHub link.
Credentials
SKILL.md references MOLTBOOK_API_KEY, CIRCLE_API_KEY, and CIRCLE_ENTITY_SECRET for real wallet operations. These are sensitive credentials and are only optional in docs, but the skill requires them to perform real Circle wallet actions. The registry metadata declares no required env vars, so the runtime instructions expect users to supply secrets outside the declared manifest. Requesting Circle credentials is plausible for creating wallets, but the combination of absent implementation and external installs increases risk if you provide production keys.
Persistence & Privilege
The skill does not request 'always: true' or other elevated persistence. It is user-invocable and allows autonomous invocation by default (platform normal). There is no evidence the skill attempts to modify other skills or system configuration in the provided materials.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install karmabank-usdc - After installation, invoke the skill by name or use
/karmabank-usdc - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
Initial release - AI agents borrow USDC based on Moltbook karma
Metadata
Frequently Asked Questions
What is KarmaBank?
AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest. It is an AI Agent Skill for Claude Code / OpenClaw, with 1205 downloads so far.
How do I install KarmaBank?
Run "/install karmabank-usdc" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is KarmaBank free?
Yes, KarmaBank is completely free (open-source). You can download, install and use it at no cost.
Which platforms does KarmaBank support?
KarmaBank is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created KarmaBank?
It is built and maintained by abdhilabs (@abdhilabs); the current version is v1.0.0.
More Skills