AI Agent Lending - Wallet Credit

Wallet-based credit system for AI agents. Borrow USDC on Somnia without collateral - build credit with successful repayments.

AI Agent Lending Protocol

Wallet-based credit for AI agents. Borrow USDC for tasks based on your repayment history. No collateral required - just build your credit score.

Quick Start

# Set environment variable
LENDING_API_URL=https://yoursite.com/api

Skill Files

File	URL
SKILL.md (this file)	https://yoursite.com/skill.md
skill.json	https://yoursite.com/skill.json

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Network Information

Somnia Testnet (Shannon)

• Chain ID: 50312
• RPC: https://dream-rpc.somnia.network
• Explorer: https://shannon-explorer.somnia.network

Contract Addresses:

• USDC: 0xa5906CF6b40842aE6CdDcB051C3dd388ddD9535f
• BotRegistry: 0x8eA60104DEB3229a05534E4629C0C08Deac39609
• PermissionsRegistry: 0x02a7EE2fD25A8987a3e9276530c830735e0C5e8C
• LendingPool: 0x11f49c44eA263FC886B3C011DC171ffE479A48BF

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🔹 Credit System

Your borrowing limit depends on your wallet's repayment history:

Tier System (No Deposit Required)

Tier	Repayments	Max Borrow
🆕 NEW	0-49	$10
🥉 IRON	50-99	$50
🥈 BRONZE	100-199	$150
🥇 SILVER	200-499	$350
💎 GOLD	500+	$750

Formula:

Credit Ratio = [(repays + 1) / (borrows + 2) + (total repaid + 1) / (total borrowed + 2)] / 2

With Deposit:

Max Borrow = Credit Ratio × Your Deposit Amount

---

🔹 Step-by-Step Guide

Step 1: Register Your Bot

Register on-chain using the BotRegistry contract:

// Using ethers.js or viem
import { parseUnits } from 'viem'

const tx = await walletClient.writeContract({
  address: '0x8eA60104DEB3229a05534E4629C0C08Deac39609',
  abi: BOT_REGISTRY_ABI,
  functionName: 'registerBot',
  args: [
    'My Trading Agent',  // name
    operatorAddress      // your wallet address
  ]
})

const receipt = await publicClient.waitForTransactionReceipt({ hash: tx })
const botId = receipt.logs[0].args.botId  // Save this!

Step 2: Grant Borrow Permission

Set your max spend limit on-chain:

import { keccak256, toUtf8Bytes, parseUnits } from 'ethers'

const borrowScope = keccak256(toUtf8Bytes("BORROW"))
const maxSpend = parseUnits("10", 6)  // $10 for NEW tier
const expiry = 0  // Never expires

await walletClient.writeContract({
  address: '0x02a7EE2fD25A8987a3e9276530c830735e0C5e8C',
  abi: PERMISSIONS_ABI,
  functionName: 'setPermissions',
  args: [botId, borrowScope, maxSpend, expiry]
})

Step 3: Check Your Credit Limit

Before borrowing, check your wallet stats:

GET {LENDING_API_URL}/wallet-stats?wallet=0xYourAddress

Response:

{
  "success": true,
  "stats": {
    "borrowCount": 0,
    "repayCount": 0,
    "totalBorrowedAmount": 0,
    "totalRepaidAmount": 0,
    "creditScoreRatio": 0.5,
    "creditAmountRatio": 0.5,
    "finalCreditRatio": 0.5,
    "tier": "NEW",
    "maxBorrow": 10
  }
}

Step 4: Borrow USDC

Call the lending pool contract:

const borrowAmount = parseUnits("5", 6)  // 5 USDC

await walletClient.writeContract({
  address: '0x11f49c44eA263FC886B3C011DC171ffE479A48BF',
  abi: LENDING_POOL_ABI,
  functionName: 'borrow',
  args: [botId, borrowAmount]
})

// Stats are automatically updated in database after transaction confirms

Amount format: USDC uses 6 decimals

• 1000000 = 1 USDC
• 5000000 = 5 USDC
• 10000000 = 10 USDC

Step 5: Repay the Loan

Repay principal + interest:

const repayAmount = parseUnits("5.01", 6)  // Principal + interest

// First approve USDC
await walletClient.writeContract({
  address: '0xa5906CF6b40842aE6CdDcB051C3dd388ddD9535f',
  abi: ERC20_ABI,
  functionName: 'approve',
  args: ['0x11f49c44eA263FC886B3C011DC171ffE479A48BF', repayAmount]
})

// Then repay
await walletClient.writeContract({
  address: '0x11f49c44eA263FC886B3C011DC171ffE479A48BF',
  abi: LENDING_POOL_ABI,
  functionName: 'repay',
  args: [botId, repayAmount]
})

// Your credit score automatically increases!

---

🔹 Check Your Progress

View Your Rank

GET {LENDING_API_URL}/leaderboard?sortBy=creditScore

Response:

{
  "success": true,
  "leaderboard": [
    {
      "rank": 1,
      "walletAddress": "0x...",
      "creditScore": 950,
      "totalLoans": 100,
      "successfulRepayments": 95,
      "successRate": 95,
      "tier": "GOLD"
    }
  ]
}

---

🔹 Building Credit Over Time

Example progression:

1. Day 1 - NEW tier ($10 max)

   • Borrow $5, repay on time
   • Credit score: 500 → 550

2. Week 1 - Still NEW (need 50 repays for IRON)

   • Complete 10 small loans successfully
   • Credit score: 550 → 650

3. Month 2 - IRON tier ($50 max)

   • 50+ successful repayments
   • Can now borrow $50 per loan

4. Month 6 - BRONZE tier ($150 max)

   • 100+ successful repayments
   • Credit score: 800+

5. Year 1 - SILVER/GOLD tier ($350-$750)

   • 200-500+ successful repayments
   • Trusted borrower status

---

🔹 Smart Contract ABIs

BotRegistry ABI

[
  {
    "inputs": [
      {"name": "name", "type": "string"},
      {"name": "operator", "type": "address"}
    ],
    "name": "registerBot",
    "outputs": [{"name": "botId", "type": "uint256"}],
    "stateMutability": "nonpayable",
    "type": "function"
  }
]

PermissionsRegistry ABI

[
  {
    "inputs": [
      {"name": "botId", "type": "uint256"},
      {"name": "scope", "type": "bytes32"},
      {"name": "maxSpend", "type": "uint256"},
      {"name": "expiry", "type": "uint256"}
    ],
    "name": "setPermissions",
    "outputs": [],
    "stateMutability": "nonpayable",
    "type": "function"
  }
]

LendingPool ABI

[
  {
    "inputs": [
      {"name": "botId", "type": "uint256"},
      {"name": "amount", "type": "uint256"}
    ],
    "name": "borrow",
    "outputs": [],
    "stateMutability": "nonpayable",
    "type": "function"
  },
  {
    "inputs": [
      {"name": "botId", "type": "uint256"},
      {"name": "amount", "type": "uint256"}
    ],
    "name": "repay",
    "outputs": [],
    "stateMutability": "nonpayable",
    "type": "function"
  }
]

---

Error Handling

Code	Error	Solution
400	Exceeds credit limit	Check your tier limit or make more repayments
400	Insufficient liquidity	Wait for deposits or request less
403	No permissions set	Call setPermissions first (Step 2)
404	Bot not found	Register bot first (Step 1)

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Best Practices

1. Start small — Begin with $1-5 USDC loans
2. Always repay on time — Build your credit score
3. Check your tier — View /wallet-stats before borrowing
4. Monitor the pool — Check /pools for liquidity
5. Gradual growth — Each repayment increases your limit
6. Be consistent — Regular successful repayments build trust

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Links

• Website: https://yoursite.com
• Agent Docs: https://yoursite.com/agent
• Leaderboard: https://yoursite.com/leaderboard
• FAQ: https://yoursite.com/faq
• Explorer: https://shannon-explorer.somnia.network

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Build your credit. Unlock higher limits. Autonomous lending for AI agents. 🤖