RSoft Agentic Bank

AI-native lending on Base MAINNET for autonomous agents. Check credit, request USDC loans (EIP-712 signed via Coinbase CDP), and repay autonomously. Real money.

Official skill for RSoft Agentic Bank — an AI-native lending service for autonomous agents on Base mainnet (Coinbase L2).

Agents check creditworthiness, request USDC loans, receive funds on-chain, and repay autonomously. Every repaid loan earns a bank-signed, portable ERC-8004 reputation mark — verifiable on-chain credit history.

⚠️ REAL MONEY. This bank operates on Base MAINNET with real USDC. Defaults are recorded on-chain against your agent's reputation. Borrow only what your agent can repay.

Wallet: Coinbase CDP

This skill signs and pays with a Coinbase CDP (Developer Platform) wallet. The private key never leaves Coinbase's enclave — CDP signs server-side when the skill presents your credentials. You point the skill at a config file, and it acts on the wallet that file describes; switch wallets by pointing at a different file.

One-time setup — create a config file (keep it OUTSIDE synced folders, with tight permissions):

bash

mkdir -p ~/.rsoft && cat > ~/.rsoft/wallet.env <<'EOF'
CDP_API_KEY_ID=your-cdp-api-key-id
CDP_API_KEY_SECRET=your-cdp-api-key-secret
CDP_WALLET_SECRET=your-cdp-wallet-secret
AGENT_WALLET=0xYourWalletAddress
EOF
chmod 600 ~/.rsoft/wallet.env
export WALLET_CONFIG_PATH=~/.rsoft/wallet.env

🔒 Security: these CDP credentials control every wallet in that CDP project. Use credentials from a CDP project dedicated to this agent — never one that also holds funds you don't want the agent to touch. The config file is the only place secrets live; the skill never embeds them.

Install the SDK once (in the skill directory, or your workspace):

bash

npm install @coinbase/cdp-sdk

Base URLs

text

Reads & repay (free, no key):  https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws
Loan origination (API key):    https://rsoft-agentic-bank.com/api/v1

Setup: Know Your Wallet Address

bash

node bin/address.js

Prints your AGENT_WALLET after verifying the CDP credentials actually control it. Use this address as {agent_id} in all bank commands.

Available Commands

1. Check Interest Rates (free)

bash

curl -s https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/interest-rates

2. Check Credit Score (free)

Replace {agent_id} with your wallet address:

bash

curl -s https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/creditworthiness/{agent_id}

3. Request a Loan (API key + CDP signature)

Two requirements — both security features, not red tape:

1. A pilot API key. Message @RSoft-Agentic-Bank on Moltbook to get one, then export BANK_API_KEY=….
2. Your wallet's EIP-712 signature. Produced by CDP; the bank only originates loans signed by the borrowing wallet.

Step 3a — sign the loan terms (CDP signs; nothing to handle by hand):

bash

node bin/sign-loan.js 5      # 5 USDC (min 5, max per your credit ladder)

This prints a JSON body: { agent_wallet, loan_amount, nonce, deadline, signature }.

Step 3b — submit the signed request (pipe the JSON straight through):

bash

node bin/sign-loan.js 5 | curl -s -X POST \
  -H "Content-Type: application/json" -H "X-API-Key: $BANK_API_KEY" \
  -d @- https://rsoft-agentic-bank.com/api/v1/loan/request

Save the request_id. The bank's 5-agent pipeline evaluates risk and, if approved, sends real USDC to your wallet within seconds.

Step 3c — track it (free, no key):

bash

curl -s https://rsoft-agentic-bank.com/api/v1/loan/status/{request_id}

4. Verify the Loan Arrived

Search your address on BaseScan, or check the loan status endpoint above until it reads disbursed.

5. Repay a Loan (3 steps — do all 3 in order)

Step 1: Check how much you owe

bash

curl -s https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/repay-info/{agent_id}

Save request_id, repayment_amount, and pay_to.

Step 2: Send the EXACT USDC amount (CDP signs + broadcasts):

bash

node bin/pay.js <pay_to> <repayment_amount>

Pay exactly repayment_amount — not more, not less. Save the tx_hash it prints.

Step 3: Confirm repayment with the bank

WARNING: the URL is /api/repay — do NOT change it.

bash

curl -s -X POST -H "Content-Type: application/json" \
  -d '{"request_id": "<request_id>", "tx_hash": "<tx_hash>"}' \
  https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/repay

Safety net: if your agent dies after Step 2, the bank auto-detects exact treasury payments within ~10 minutes. An agent that paid is never defaulted.

Full Workflow Example

text

1. Know your address          → node bin/address.js
2. Check interest rates        → curl /api/interest-rates
3. Check your credit score     → curl /api/creditworthiness/{wallet}
4. Sign + request the loan     → node bin/sign-loan.js 5 | curl POST /api/v1/loan/request
5. Verify USDC received        → curl /api/loan/status/{request_id}  (→ disbursed)
6. Check repayment info        → curl /api/repay-info/{wallet}
7. Send EXACT USDC to bank     → node bin/pay.js {pay_to} {repayment_amount}
8. Confirm repayment           → curl POST /api/repay

Important Notes

• Network: Base MAINNET — real USDC (0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913), real consequences.
• Loan size: 5 USDC minimum. Your ceiling starts at the $5 floor and climbs the credit ladder with each repaid loan ($5 → $10 → $25 → …).
• One active loan at a time. Repay before requesting a new one. An unpaid default blocks new loans until you cure it (repay in full via the same repay flow).
• Gas: the wallet needs a small amount of ETH on Base for transaction fees.
• All transactions are verifiable on BaseScan.

MCP Server (alternative for MCP-capable agents)

If your agent speaks MCP, the same bank is one config line away, no API key needed:

text

https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/mcp

Tools: get_creditworthiness, request_loan (carries your EIP-712 signature), get_repayment_info, confirm_repayment. Full docs: rsoft-agentic-bank.com/docs.

Verification

• Official Website: rsoft-agentic-bank.com
• Publisher: RSoft Latam
• Protocol: REST API via curl + Coinbase CDP for signing/transfers; MCP server for tool-native agents
• Network: Base mainnet (Coinbase L2)

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Developed by RSoft Latam — Empowering the Agentic Economy.