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Agent Credit

Agent Credit

The first credit line for agents

Website github.com
Overview

What it is

The first credit line for agents. Let your agent borrow & repay credit, using Aave. - aaronjmars/agent-credit

Intent

I need it when

Implement autonomous DCA or gas-self-sufficiency for agents without pre-funding wallets

Agent Credit enables agents to borrow USDC periodically for dollar-cost averaging or borrow small amounts of WETH for gas fees. The agent only needs minimal ETH for transaction costs; all capital comes from your Aave collateral via delegation.

Give an AI agent access to capital while maintaining strict control over borrowing limits and asset types

Agent Credit uses Aave's credit delegation to isolate approval per debt token. You approve specific assets and amounts (e.g., 500 USDC, 0.1 WETH) via approveDelegation(), and the agent can only borrow what you've explicitly approved. You can revoke any asset instantly.

Ensure agent borrowing is safe and auditable with health-factor monitoring and per-transaction caps

Agent Credit runs four safety checks before every borrow: per-transaction cap, delegation allowance, health factor floor, and gas balance. It aborts if any check fails, and you can monitor health factor and outstanding debt on app.aave.com in real-time.

Enable an AI agent to autonomously borrow funds for operations without manual wallet transfers

Agent Credit lets you set up credit delegation on Aave so your agent can borrow stablecoins or tokens on-demand using your collateral as backing. The agent signs borrow transactions independently while debt accrues on your position, eliminating repeated manual fund transfers.

Combine agent borrowing with token swaps and DeFi operations in a single workflow

Agent Credit integrates with Bankr skills and other agent frameworks. Your agent can borrow USDC via delegation, then swap to other tokens or bridge assets—all coordinated in one autonomous flow without manual intervention.

Drop

Not a fit when

  • User wants a managed, hosted service with customer support—Agent Credit is self-hosted open-source code requiring technical setup
  • User needs to borrow without Aave integration or DeFi knowledge—Agent Credit is tightly coupled to Aave V2/V3 credit delegation
  • User operates on blockchains where Aave is not deployed—Agent Credit only works on EVM chains with Aave presence
  • User requires a non-technical interface—Agent Credit requires bash scripts, Foundry, and blockchain configuration knowledge
  • User wants to delegate credit without maintaining collateral on Aave—the delegator must supply and maintain collateral to enable borrowing
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Pricing

Free, open-source software