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在 OpenClaw 中安装
/install karmabank-minimal
功能描述
AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest.
使用说明 (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 💵🏦
安全使用建议
Do not install or provide secrets yet. Items to check before using or installing: 1) Verify the upstream repository (the SKILL.md points to https://github.com/abdhilabs/karmabank) and inspect the actual source (src/cli.ts, src/scoring.ts, ledger code) — the package you were given lacks those source files. 2) Do not supply CIRCLE_ENTITY_SECRET or CIRCLE_API_KEY unless you fully trust the code; those credentials can allow wallet creation and fund movement. Prefer a testnet-only credential and isolate it. 3) The package.json references a local file dependency (file:../skills/circle-wallet) — ask the author what that is or obtain a release that does not rely on local paths. 4) Run npm install and any execution in a sandboxed environment (isolated VM/container) and review all network calls (Moltbook/Circle endpoints) before exposing sensitive data. 5) If you want to proceed for testing, use mock/demo mode (no API keys) and verify the ledger implementation (.credit-ledger.json) is local and cannot exfiltrate secrets. 6) If the author can provide a complete release (with src files, a published npm package or GitHub release, and explicit required env var declarations), re-evaluate — missing source and undeclared sensitive envs would change the assessment.
功能分析
Type: OpenClaw Skill
Name: karmabank-minimal
Version: 1.0.0
The skill bundle appears benign. It describes a system for AI agents to borrow USDC based on a karma score, requiring API keys for Moltbook and Circle for its stated functionality. There is no evidence of unauthorized data exfiltration, malicious execution, persistence mechanisms, or prompt injection attempts in SKILL.md or other files. Dependencies listed in package.json are standard and relevant to the described purpose, including a local dependency for a Circle wallet skill.
能力评估
Purpose & Capability
The declared purpose (credit based on Moltbook karma and optional Circle wallet integration) is consistent with dependencies like axios and a Circle wallet library. However, the registry lists no required env vars while the SKILL.md explicitly references sensitive credentials (MOLTBOOK_API_KEY, CIRCLE_API_KEY, CIRCLE_ENTITY_SECRET). That mismatch is unexpected — if Circle integration is intended, those credentials should be declared.
Instruction Scope
SKILL.md tells an agent to run npm install, build, and run CLI commands that will make network calls (Moltbook, Circle) and create wallets — all expected for this purpose — but it does not limit or document what data will be sent. The instructions request optional API secrets and would cause the agent to transmit data externally to third-party services. The README mentions src/ files (scoring, CLI) but those source files are not present in the package manifest, so the runtime behavior is unclear.
Install Mechanism
There is no platform install spec (lowest risk), but the SKILL.md instructs the user/agent to run npm install which will fetch external packages. package.json includes a relative/local dependency: "@circle/openclaw-wallet-skill": "file:../skills/circle-wallet" — a local file dependency that won't be resolvable in many environments and may indicate incomplete packaging or reliance on sibling repo content. That is an inconsistency and operational risk.
Credentials
The skill does not declare any required env vars in the registry metadata but the documentation names sensitive variables (CIRCLE_API_KEY, CIRCLE_ENTITY_SECRET, MOLTBOOK_API_KEY). Requesting Circle secrets is proportionate if the skill performs real wallet operations, but the absence of these from the declared requirements is an inconsistency. Supplying those secrets would grant the code ability to create/use Circle wallets and move funds (or control testnet wallets), so treat them as high-sensitivity.
Persistence & Privilege
The skill is not forced-always-present (always:false) and uses the platform default of allowing model invocation. It does not request system-level persistence or declare edits to other skills. No other privileged flags were set.
如何使用
- 确保已安装 OpenClaw（本地或 Docker 部署）
- 在对话框中输入安装命令：
/install karmabank-minimal - 安装完成后，直接呼叫该 Skill 的名称或使用
/karmabank-minimal触发 - 根据 Skill 的参数说明提供必要输入，即可获得结构化输出
版本历史
v1.0.0
AI agents borrow USDC based on Moltbook karma score
元数据
常见问题
KarmaBank 是什么？
AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Bronze (50 USDC) to Diamond (1000 USDC) with zero interest. 它是一个面向 Claude Code / OpenClaw 的 AI Agent Skill 插件，目前累计下载 1263 次。
如何安装 KarmaBank？
在 OpenClaw 或 Claude Code 对话框中运行命令「/install karmabank-minimal」即可一键安装，无需额外配置。
KarmaBank 是免费的吗？
是的，KarmaBank 完全免费（开源免费），可自由下载、安装和使用。
KarmaBank 支持哪些平台？
KarmaBank 跨平台运行，可在任意部署了 OpenClaw / Claude Code 的环境中使用（cross-platform）。
谁开发了 KarmaBank？
由 abdhilabs（@abdhilabs）开发并维护，当前版本 v1.0.0。
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