--- name: rsoft-bank version: 1.1.0 description: "Credit for AI agents on Base mainnet. Use when an agent needs to check its credit standing, vet another agent's on-chain trust, look up any ERC-8004 agent, request a USDC loan, check what it owes, or repay. Real money: loans are USDC on Base, signed by the agent's own wallet, and every repayment or default is written to the agent's ERC-8004 reputation." tags: [fintech, credit, lending, mcp, a2a, agentkit, erc-8004, base, usdc] metadata: openclaw: emoji: "🏦" homepage: https://rsoft-agentic-bank.com rsoft: network: base-mainnet (eip155:8453) currency: USDC (0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913) docs: https://rsoft-agentic-bank.com/docs llms: https://rsoft-agentic-bank.com/llms.txt --- # RSoft Bank β€” the bank for AI agents RSoft Bank lends real USDC to autonomous agents on Base mainnet. There is no human underwriter: a 5-agent pipeline (Gatekeeper β†’ Analyst β†’ CFO β†’ Settler β†’ Auditor) verifies the agent's ERC-8004 identity, scores its on-chain history, sets terms, disburses on-chain and publishes the outcome to the agent's ERC-8004 reputation. Repaying climbs a credit ladder; defaulting resets it. > **Real money.** Base MAINNET, real USDC, real consequences. Borrow only what > the agent can repay. Defaults are recorded on-chain against the agent. ## Pick a surface (all four share the same underwriting) | Surface | When to use | Auth | |---|---|---| | **MCP** (preferred) | Any MCP client: Claude Code, Claude Desktop, Cursor, Windsurf, Codex, OpenClaw… | none for reads; loans carry the agent's EIP-712 signature | | **REST** | Plain HTTP / curl agents | none for reads; `X-API-Key` for loan origination | | **AgentKit** | Coinbase AgentKit agents (npm `rsoft-bank-agentkit`) | wallet provider signs natively | | **A2A** | Peer agents speaking Agent2Agent JSON-RPC | Agent Card at `/.well-known/agent-card.json` | Prefer MCP when your client supports it. Use REST only when it does not. ## Setup: MCP in one line Endpoint (Streamable HTTP): ``` https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/mcp ``` Claude Code: ```bash claude mcp add --transport http rsoft-bank https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/mcp ``` Cursor / Windsurf / any `mcp.json`: ```json { "mcpServers": { "rsoft-bank": { "type": "http", "url": "https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/mcp" } } } ``` ## Setup: the agent's wallet The bank never signs for you and never sees a private key. The agent needs an EVM wallet on Base that can: 1. **Hold an ERC-8004 Agent Passport.** The Identity Registry (`0x8004A169FB4a3325136EB29fA0ceB6D2e539a432`) only mints to `msg.sender`, so the agent's own wallet must call `register()` once. Guide and code for Coinbase CDP, Privy and viem: https://rsoft-agentic-bank.com/register Check with `GET /api/v1/identity/status/{wallet}`. 2. **Sign EIP-712 typed data** (the `LoanRequest` below). 3. **Send USDC** (repayment) and hold a little ETH for gas, or use a gasless provider (CDP Paymaster on Base). Coinbase CDP Server Wallets are the reference setup: the key lives in a TEE and the bank itself runs on the same infrastructure. ## MCP tools | Tool | Args | What it does | |---|---|---| | `get_creditworthiness` | `agent_id` | Credit score (0-850), history, outstanding debt, status | | `get_trust_score` | `wallet` | AgentTrust-8004 trust score (0-100) + anomaly flag for ANY wallet. First call per wallet reads Base history (~40s), then cached | | `request_loan` | `amount, agent_id, signature, nonce, deadline` | Runs the full pipeline and disburses USDC to the signing wallet | | `get_repayment_info` | `agent_id` | Exact amount owed (principal + interest), treasury address, `request_id` | | `confirm_repayment` | `request_id, tx_hash` | Verifies the USDC transfer on Base and closes the loan | | `get_loan_status` | `request_id` | Status of a request, incl. `amount`, `agent_wallet` and a `draft{…}` block while a sponsor decision is pending | | `get_agent_controls` | `agent_id` | Sponsor binding, sponsor-set controls (paused, caps, draft mode) and the effective ceiling the Gatekeeper will enforce | | `get_agent` | `token_id` or `wallet` | ERC-8004 directory entry (owner, wallet, URI, reputation clients, known issuers) + the bank's standing for that wallet | | `list_agents` | `limit` | Recently registered ERC-8004 agents (bounded scan of recent `Registered` events + bank customers; response reports `scanned_window`) | | `search_agents` | `q` | Search within the same bounded window + bank customers; same `scanned_window` / `limitation` fields | Resource: `bank://interest_rates` (current rates by risk tier). `agent_id` is the agent's wallet address (`0x…`) or its registered DID. ## The credit ladder New agents start at the **$5 floor**. Each repaid loan unlocks the next rung: $5 β†’ $10 β†’ $25 β†’ $50 β†’ $100. One active loan at a time. A default resets the ladder to the floor and blocks new loans until cured. The live ceiling is published by the bank, not by this file: read `bank://interest_rates` (or `GET /api/interest-rates`) and respect its `min_amount` / `max_amount`. During the pilot `max_amount` is **$25**. ## Borrow: sign, then request `request_loan` requires the **borrower's own** EIP-712 signature. Sign this struct with the wallet that will receive the funds: ``` Domain: name "RSoft Agentic Bank", version "1", chainId 8453, verifyingContract 0x8004A169FB4a3325136EB29fA0ceB6D2e539a432 Type: LoanRequest(address agentWallet, uint256 loanAmountUsdc6, string nonce, uint256 deadline) Message: agentWallet = your wallet loanAmountUsdc6 = amount * 1_000_000 (5 USDC β†’ 5000000) nonce = a fresh unique string (consumed once) deadline = unix seconds, e.g. now + 3600 ``` Then call `request_loan(amount, agent_id, signature, nonce, deadline)`. Response: `{ request_id, status: "initiated" }`, a structured rejection, a **draft** (see Sponsor below), or an error. Track with `get_loan_status(request_id)` / `GET /api/v1/loan/status/{request_id}` until `disbursed`. ## Sponsor (a human behind the agent) An agent may have one human sponsor bound to it (agent wallet signs EIP-712 `SponsorBinding`; the sponsor confirms by WhatsApp OTP via RSoft MIA). The sponsor can pause/resume/revoke borrowing, cap `max_loan_amount` and `daily_draw_cap`, and enable **draft mode**. The sponsor can never borrow, sign or move the agent's funds. Effective ceiling = ladder ∧ sponsor cap ∧ bank max; read it with `get_agent_controls(agent_id)` before requesting. If draft mode is on and the request exceeds the ceiling, `request_loan` / `POST /loan/request` returns **202** `{ request_id, status: "draft_pending_sponsor", requested, ceiling, expires_at, sponsor_notified }` instead of rejecting. What the agent must do: - **Poll** `get_loan_status(request_id)` until the status leaves `draft_pending_sponsor` (approved β†’ the normal pipeline runs β†’ `disbursed`; or `draft_rejected` / `draft_expired` after 24h). - **Do not re-sign or re-submit.** The signed request was consumed at intake. - **Tell your principal** that a sponsor decision is pending; the sponsor answers over WhatsApp, not through you. - `draft_*` statuses are never outstanding debt; a `draft_rejected` / `draft_expired` request can be followed by a new, smaller request within the ceiling. Signed CDP example (Python) and viem example: https://rsoft-agentic-bank.com/docs#quickstart ## Repay: three steps, in order 1. `get_repayment_info(agent_id)` β†’ `repayment_amount`, `pay_to` (treasury), `request_id`. 2. Send **exactly** `repayment_amount` USDC from the borrower wallet to `pay_to`. Not more, not less, not from another wallet. 3. `confirm_repayment(request_id, tx_hash)`. Safety net: the bank sweeps the treasury every ~10 minutes and auto-credits exact payments, so an agent that paid is never defaulted even if it dies before step 3. ## REST equivalents (no MCP) Reads and repayment confirmation are free, no key: ``` GET https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/interest-rates GET https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/creditworthiness/{agent_id} GET https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/repay-info/{agent_id} POST https://7mavs5vu7ggbhtxvbavdgs26qa0cbawg.lambda-url.us-east-1.on.aws/api/repay {request_id, tx_hash} GET https://rsoft-agentic-bank.com/api/v1/loan/status/{request_id} GET https://rsoft-agentic-bank.com/api/v1/identity/status/{wallet} GET https://rsoft-agentic-bank.com/api/v1/agents/{wallet}/controls GET https://rsoft-agentic-bank.com/api/v1/agents/registry/{token_id} GET https://rsoft-agentic-bank.com/api/v1/agents/registry/by-wallet/{wallet} ``` Loan origination over REST needs a pilot API key (`X-API-Key`): ``` POST https://rsoft-agentic-bank.com/api/v1/loan/request { "agent_wallet", "loan_amount", "nonce", "deadline", "signature" } ``` Request a pilot key: https://rsoft-agentic-bank.com/docs#getting-started ## Action rules for agents - Read before you write: call `get_creditworthiness` (and `bank://interest_rates`) before `request_loan`. Do not request above your current ceiling. - Never fabricate `signature`, `nonce` or `deadline`. If you cannot sign EIP-712 with the borrower wallet, stop and tell your principal. - Real money: obtain your principal's explicit confirmation the first time you borrow, and whenever the amount exceeds what you have repaid before. - Repay the exact amount from the same wallet. Then confirm. - Ask for missing fields; do not guess wallet addresses or amounts. - On `error: true`, read `message`; on HTTP 401 the signature or key is wrong, on 409 a loan is already active, on 503 a fail-closed guard tripped (retry later, do not work around it). On 202 a sponsor decision is pending: poll, do not re-sign (see Sponsor). ## Other surfaces - **AgentKit**: `npm install rsoft-bank-agentkit` β†’ `rsoftBankActionProvider()`; actions mirror the MCP tools and sign with the agent's wallet provider. https://github.com/rsoft-latam/rsoft-bank-agentkit - **A2A**: Agent Card `https://nng7khybjb4wlwe64r3eagbxhm0ihurx.lambda-url.us-east-1.on.aws/.well-known/agent-card.json`; skills `get_interest_rates`, `get_creditworthiness`, `get_reputation`, `get_repayment_info`, `negotiate_loan`, `get_loan_status`, `request_loan`, `confirm_repayment`. - **Agent directory (ERC-8004)**: MCP tools `get_agent`, `list_agents`, `search_agents`; free REST twins on the MCP host: `GET …/api/agents/{id|wallet}`, `GET …/api/agents/recent`, `GET …/api/agents/search?q=`. Bank REST: `GET /api/v1/agents/registry/{token_id}`, `/by-wallet/{wallet}`, `/recent?limit=`, `/search?q=`. Limitation: the IdentityRegistry is not enumerable on mainnet; `recent`/`search` scan recent `Registered` events (default 5000 blocks) + bank customers and report `scanned_window`. Docs: https://rsoft-agentic-bank.com/docs#directory - **Webhooks** (loan events pushed to your endpoint, `X-API-Key`): `POST /api/v1/webhooks {url, events[], agent_wallet?}` β†’ `{id, secret}` (secret shown once). Deliveries signed with `X-RSoft-Timestamp` + `X-RSoft-Signature: sha256=HMAC_SHA256(secret, "{timestamp}.{raw_body}")`. Delivery never gates a loan. Docs: https://rsoft-agentic-bank.com/docs#webhooks - **Trust API** (score any wallet, no key): `GET https://7pdor5bjoty7gyat56u6fgcrue0gbvnd.lambda-url.us-east-1.on.aws/score/{wallet}` `POST …/evaluate {wallet, policy}` β†’ tier, gate results, optional pricing. SDK: `npm install rsoft-trust` / `pip install "rsoft-trust[fastapi]"` (0.1.0). Model card: https://huggingface.co/rsoft-latam/AgentTrust-8004 - **OpenClaw skill** (REST + CDP scripts): https://clawhub.ai/rsoft-latam/skills/rsoft-agentic-bank ## Links - Website: https://rsoft-agentic-bank.com - Docs: https://rsoft-agentic-bank.com/docs - Machine index: https://rsoft-agentic-bank.com/llms.txt - Loan explorer (every loan, on-chain txs): https://rsoft-agentic-bank.com/explorer - Publisher: RSoft Latam Β· https://github.com/rsoft-latam