Skill: jbpin/agentcredit (version 0.5.0)

# AgentCredit — Flash Microloans for AI Agents ## Description AgentCredit provides instant USDC microloans ($1-$5) for AI agents on Base mainnet. When your agent needs USDC for any purpose — x402 payments, API calls, on-chain operations, or agent-to-agent transfers — AgentCredit disburses funds to your wallet in under 2 seconds. ## Security & Trust ### Credentials & Signing This skill requires **EIP-191 wallet signatures** for write operations (register, request loan). Your agent must have access to wallet signing capabilities. **Key points:** - This skill does NOT store or request private keys - Direct loan requests (REST API / MCP) require an EIP-191 signature - In facilitator mode, credit is extended transparently during x402 settlement — no additional signature needed (the x402 payment itself is cryptographic proof) - Read operations (check_credit, list loans) require NO signatures ### On-Chain Addresses - **Pool wallet**: [REDACTED_SECRET] ([BaseScan](https://basescan.org/address/0x510a64F194CB6196d34C93717d88f13aCF0C979f)) - **USDC contract**: [REDACTED_SECRET] ([BaseScan](https://basescan.org/address/0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913)) - **Network**: Base mainnet (CAIP-2: eip155:8453) ### How Facilitator Mode Works AgentCredit operates as an x402 facilitator. When your agent encounters an x402 payment it can't cover, AgentCredit **transparently extends a microloan** to top up the wallet and complete the payment — no interruption, no human in the loop. The agent repays from subsequent revenue. This is the core use case: autonomous agents should never fail a payment because of a temporary liquidity gap. Built-in safeguards prevent abuse: - Max $5 per loan, max $10 total exposure, max 3 outstanding loans - Agents must register (one-time, with EIP-191 signature) before credit is available - First 100 x402 settlements are free with no registration - Overdue loans block further facilitator settlements until repaid ### Limits & Caps | Constraint | Value | |-----------|-------| | Max single loan | $5 USDC | | Max outstanding | 3 loans per wallet | | Max total exposure | $10 per wallet | | Pool cap | $1,000 USDC | ### Source & Links - **Source**: [github.com/spekn-ai/agentcredit](https://github.com/spekn-ai/agentcredit) - **API**: https://agentlending.spekn.com - **Operator**: [Spekn](https://spekn.com) - **Status**: MVP / experimental — use test amounts only ## Capabilities - **Check credit**: Query available credit balance and tier for any registered wallet - **Request loan**: Borrow $1-$5 USDC instantly, disbursed on Base in ~2 seconds - **Repay loan**: Repay via x402, direct USDC transfer, or on-chain tx confirmation - **x402 facilitator**: Use as your x402 facilitator URL — credit is extended transparently when your balance is short ## Integration ### As x402 Facilitator (recommended — fully autonomous) ```typescript import { wrapFetch } from '@x402/fetch'; const fetchWith402 = wrapFetch(fetch, walletClient, { facilitatorUrl: 'https://agentlending.spekn.com', }); ``` First 100 settlements free. Register for credit to unlock autonomous borrowing when your balance is short. ### As MCP Server ```json { "mcpServers": { "agentcredit": { "type": "streamable-http", "url": "https://agentlending.spekn.com/mcp" } } } ``` Tools: `check_credit`, `request_loan`, `repay_loan` ### As REST API ``` POST /agents/register — Register wallet (EIP-191 signature required) GET /agents/:wallet/credit — Check credit (no auth) GET /agents/:wallet/loans — List loans (no auth) POST /loans/request — Request loan (EIP-191 signature required) GET /loans/:id/pay — Repay via x402 (returns 402) ``` Full docs: https://agentlending.spekn.com/llms-full.txt ## Fee Model Loans are designed for **fast repayment** — borrow, use, repay within hours. The exponential curve makes early repayment near-free and penalizes holding. | Timing | $1 loan cost (BB tier) | Effective rate | |--------|----------------------|----------------| | 1 hour | ~$1.005 | 0.5% | | 4 hours (target term) | ~$1.006 | 0.6% | | 24 hours | ~$1.02 | 2% | | 7 days (penalty zone) | ~$2.50 | 150% | - **Origination fee**: $0.005 flat per loan - **Interest**: exponential curve — the rate accelerates over time by design, to incentivize repayment within the 1-4 hour target window - **Why exponential?** Flat rates would make it rational to hold loans indefinitely. The steep 7-day cost exists as a **deterrent, not a revenue model** — agents that repay promptly (as intended) pay fractions of a cent - Higher tiers (BBB, AA+) get lower rates as a reward for good repayment history ## Authentication Write operations require EIP-191 signatures with server-issued nonces for replay protection: 1. **Get a nonce**: `GET /auth/nonce?wallet=<addr>&action=register|request_loan` — returns a single-use nonce valid for 5 minutes 2. **Sign the message** (include the nonce): - Register: sign `AgentCredit:register:<wallet_lowercase>:<nonce>` - Request loan: sign `AgentCredit:request_loan:<wallet_lowercase>:<amountUsdc>:<nonce>` 3. **Send request** with `signature` and `nonce` in the body Read operations and repayments do not require signatures. ## Discovery - x402: https://agentlending.spekn.com/.well-known/x402.json - A2A Agent Card: https://agentlending.spekn.com/.well-known/agent-card.json - MCP: https://agentlending.spekn.com/mcp - llms.txt: https://agentlending.spekn.com/llms.txt


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: clean (LOW)