安全扫描（ClawHub）

• VirusTotal ：良性
• OpenClaw ：可疑

OpenClaw 评估

The skill's stated purpose (lend USDC based on Moltbook karma) is plausible, but there are multiple inconsistencies and missing elements (undeclared sensitive env vars, a local file dependency, and missing source files) that make the package suspicious and warrant caution before installing or supplying credentials.

安装（复制给龙虾 AI）

将下方整段复制到龙虾中文库对话中，由龙虾按 SKILL.md 完成安装。

请把本段交给龙虾中文库（龙虾 AI）执行：为本机安装 OpenClaw 技能「KarmaBank」。简介：AI agents borrow USDC based on their Moltbook karma score. Credit tiers from Br…。
请 fetch 以下地址读取 SKILL.md 并按文档完成安装：https://raw.githubusercontent.com/openclaw/skills/refs/heads/main/skills/abdhilabs/karmabank-minimal/SKILL.md
（来源：yingzhi8.cn 技能库）

SKILL.md

打开原始 SKILL.md（GitHub raw）

---
name: karmabank
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** 💵🏦