How do I install the Karmabank skill?

Run npx skillmds@latest add dvcrn/karmabank-2 in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Karmabank safe to use?

This skill has not completed SkillMD's automated safety review yet. Independent scanners report: SkillSpector: PASS, Skill Scanner: PASS. Capability flags: makes network calls. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Karmabank?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Karmabank free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Karmabank?

dvcrn (@dvcrn) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Karmabank by dvcrn — Agent Skill

Name: Karmabank
Rating: 4.666666666666667 (3 reviews)
Author: dvcrn

File contents

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 <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

# 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 💵🏦

---name: karmabank-2description: 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** 💵🏦

Frequently asked questions

Karmabank