{"name":"Bank of Clawd","version":"2.0.0","description":"Complete financial infrastructure for AI agents: banking, savings with Kamino yield, collateral credit, x402 agent-to-agent payments, and credit lines.","base_url":"https://bankofclawd.com/api/v1","onboard":{"message":"New to Bank of Clawd? Fetch the onboard endpoint for step-by-step account setup.","fetch":"https://bankofclawd.com/api/v1/agent/onboard","method":"GET"},"treasury_address":"G3siTv4xEEo9i3UJgnPaVq3TbyGeyNLATk74VvKXaadV","authentication":{"type":"jwt","flow":"wallet_signature","steps":[{"step":1,"action":"Request challenge","endpoint":"POST /agent/auth/challenge","body":{"wallet":"YOUR_SOLANA_WALLET_ADDRESS"}},{"step":2,"action":"Sign challenge with wallet","description":"Sign the challenge message with your Solana wallet private key"},{"step":3,"action":"Verify and get token","endpoint":"POST /agent/auth/verify","body":{"wallet":"YOUR_WALLET_ADDRESS","signature":"BASE58_SIGNATURE","message":"THE_CHALLENGE_MESSAGE"},"returns":{"token":"JWT_TOKEN","expiresIn":86400}}],"header":"Authorization: Bearer <token>","expiry":"24 hours"},"skills":[{"category":"Banking","name":"get_account","description":"Get your agent bank account overview including checking, savings, and collateral balances","endpoint":"GET /agent/account","auth_required":true,"parameters":[],"returns":{"checking":{"usdc":"number","sol":"number"},"savings":{"usdc":"number","sol":"number"},"yield":{"earned_usdc":"number","earned_sol":"number","apy":"string"},"collateral":{"total_savings_usdc":"number","borrowed_usdc":"number","available_to_borrow_usdc":"number","ltv_ratio":"number"}}},{"category":"Banking","name":"deposit","description":"Record a deposit to checking account. Send funds to treasury on-chain first, then call this with the tx signature.","endpoint":"POST /agent/account/deposit","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Amount to deposit"},{"name":"token","type":"string","required":true,"enum":["USDC","SOL"],"description":"Token type"},{"name":"tx_signature","type":"string","required":true,"description":"On-chain transaction signature"}],"treasury_address":"G3siTv4xEEo9i3UJgnPaVq3TbyGeyNLATk74VvKXaadV","note":"Transaction is verified on-chain before crediting balance"},{"category":"Banking","name":"withdraw","description":"Request withdrawal from checking account. Daily limit: $1000 USD equivalent.","endpoint":"POST /agent/account/withdraw","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Amount to withdraw"},{"name":"token","type":"string","required":true,"enum":["USDC","SOL"],"description":"Token type"},{"name":"destination","type":"string","required":false,"description":"Destination wallet (defaults to agent wallet)"}],"limits":{"daily_usd":1000}},{"category":"Banking","name":"get_transactions","description":"Get transaction history for your account","endpoint":"GET /agent/account/transactions","auth_required":true,"parameters":[{"name":"limit","type":"number","required":false,"default":50,"description":"Number of transactions to return"},{"name":"offset","type":"number","required":false,"default":0,"description":"Pagination offset"},{"name":"type","type":"string","required":false,"enum":["deposit","withdraw","savings_deposit","savings_withdraw","x402_payment","x402_receive","borrow","repay"],"description":"Filter by type"},{"name":"token","type":"string","required":false,"enum":["USDC","SOL"],"description":"Filter by token"}]},{"category":"Savings","name":"deposit_to_savings","description":"Move funds from checking to savings account to earn yield via Kamino Finance","endpoint":"POST /agent/account/savings/deposit","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Amount to move to savings"},{"name":"token","type":"string","required":true,"enum":["USDC","SOL"],"description":"Token type"}],"yield":{"protocol":"Kamino Finance","usdc_apy":"~1.7% (variable)","sol_apy":"~5.2% (variable)","note":"SOL earns higher yield than USDC"}},{"category":"Savings","name":"withdraw_from_savings","description":"Move funds from savings back to checking. Must maintain collateral if you have a loan.","endpoint":"POST /agent/account/savings/withdraw","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Amount to withdraw from savings"},{"name":"token","type":"string","required":true,"enum":["USDC","SOL"],"description":"Token type"}]},{"category":"Savings","name":"get_yield_rates","description":"Get current APY rates from Kamino Finance","endpoint":"GET /agent/account/savings/yield","auth_required":false,"parameters":[],"returns":{"rates":[{"token":"USDC","apy":"string","apyDecimal":"number"},{"token":"SOL","apy":"string","apyDecimal":"number"}]}},{"category":"Collateral Credit","name":"borrow_against_savings","description":"Instantly borrow USDC against your savings. No application needed. Max 70% of savings.","endpoint":"POST /agent/account/collateral/borrow","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"USDC amount to borrow"}],"terms":{"ltv_ratio":0.7,"apr":0.08,"collateral":"USDC savings balance","approval":"instant"}},{"category":"Collateral Credit","name":"repay_collateral_loan","description":"Repay your collateral loan from checking balance","endpoint":"POST /agent/account/collateral/repay","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"USDC amount to repay"}]},{"category":"x402 Payments","name":"x402_pay","description":"Pay an external service via x402 protocol. Deducts from checking and returns receipt for retry.","endpoint":"POST /agent/account/x402/pay","auth_required":true,"parameters":[{"name":"recipient","type":"string","required":true,"description":"Solana wallet address to pay"},{"name":"amount","type":"number","required":true,"description":"Amount to pay"},{"name":"token","type":"string","required":true,"enum":["USDC","SOL"],"description":"Token to pay with"},{"name":"service_url","type":"string","required":false,"description":"URL of service being paid"},{"name":"memo","type":"string","required":false,"description":"Payment memo"}],"returns":{"success":"boolean","payment_id":"string (UUID)","tx_signature":"string","receipt":"X402PaymentReceipt (use in X-Payment-Receipt header for retry)"},"limits":{"daily_usd":1000}},{"category":"x402 Payments","name":"x402_receive","description":"Verify and credit an incoming x402 payment to your checking account","endpoint":"POST /agent/account/x402/receive","auth_required":true,"parameters":[{"name":"tx_signature","type":"string","required":true,"description":"On-chain transaction signature"},{"name":"expected_amount","type":"number","required":false,"description":"Expected payment amount"},{"name":"expected_token","type":"string","required":false,"enum":["USDC","SOL"],"description":"Expected token"}],"returns":{"success":"boolean","payment_id":"string","verified":"boolean","amount":"number","token":"string","sender":"string"}},{"category":"x402 Payments","name":"x402_request","description":"Generate x402 payment request to return in your 402 responses","endpoint":"GET /agent/account/x402/request","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Amount to request"},{"name":"token","type":"string","required":false,"default":"USDC","description":"Preferred token"},{"name":"description","type":"string","required":false,"description":"What payment is for"},{"name":"expires_in","type":"number","required":false,"default":3600,"description":"Seconds until expiry"}],"returns":{"payment_request":"X402PaymentRequest","headers":"object (HTTP headers to include in 402 response)"},"usage":"Return the headers in your HTTP 402 response. Payers will use X-Payment-Receipt header to retry."},{"category":"Credit","name":"get_credit_profile","description":"Get your agent credit score and profile","endpoint":"GET /agent/profile","auth_required":true,"parameters":[],"returns":{"creditScore":{"score":"number (300-850)","pdBand":"string","riskCategory":"string","creditLimit":"number","decision":"string"}}},{"category":"Credit","name":"check_eligibility","description":"Check loan eligibility before applying","endpoint":"GET /agent/eligibility","auth_required":true,"parameters":[{"name":"amount","type":"number","required":false,"description":"Requested loan amount"},{"name":"purpose","type":"string","required":false,"description":"Loan purpose"}]},{"category":"Credit","name":"apply_for_loan","description":"Apply for an uncollateralized credit line (human review required)","endpoint":"POST /agent/loans","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Loan amount in USDC"},{"name":"purpose","type":"string","required":true,"enum":["task","working_capital","liquidity_provision","trading"],"description":"Loan purpose"},{"name":"duration","type":"number","required":true,"description":"Loan duration in days"},{"name":"collateral","type":"object","required":false,"description":"Optional collateral"}],"apr_range":"18-65%","credit_lines":"$100-$10,000"},{"category":"Credit","name":"list_loans","description":"List all your loans","endpoint":"GET /agent/loans","auth_required":true,"parameters":[]},{"category":"Credit","name":"repay_loan","description":"Make a loan repayment","endpoint":"POST /agent/loans/:id/repay","auth_required":true,"parameters":[{"name":"amount","type":"number","required":true,"description":"Repayment amount"},{"name":"txSignature","type":"string","required":false,"description":"On-chain tx signature for verification"}]}],"quick_start":{"description":"Get your agent banking in 5 steps","steps":[{"step":1,"action":"Authenticate","description":"Sign a challenge with your wallet to get a JWT token"},{"step":2,"action":"Deposit","description":"Send USDC/SOL to treasury (G3siTv4xEEo9i3UJgnPaVq3TbyGeyNLATk74VvKXaadV), then call deposit endpoint"},{"step":3,"action":"Move to Savings","description":"Transfer to savings to earn yield via Kamino (USDC ~1.7%, SOL ~5.2%)"},{"step":4,"action":"Borrow if needed","description":"Instantly borrow up to 70% of savings at 8% APR"},{"step":5,"action":"Use x402 for payments","description":"Pay other agents/services directly from checking via x402 protocol"}]},"x402_protocol":{"description":"HTTP 402 Payment Required protocol for agent-to-agent payments","flow":["1. Agent requests a paid resource from another service","2. Service returns HTTP 402 with X-Payment-Request header","3. Agent calls /x402/pay to send payment, gets receipt","4. Agent retries original request with X-Payment-Receipt header","5. Service verifies receipt and grants access"],"headers":{"request":"X-Payment-Request (base64 encoded payment request)","response":"X-Payment-Receipt (base64 encoded receipt for retry)"}},"supported_tokens":["USDC","SOL"],"network":"Solana Mainnet","links":{"docs":"https://bankofclawd.com/docs","dashboard":"https://bankofclawd.com/dashboard","apply":"https://bankofclawd.com/apply","github":"https://github.com/bankofclawd"},"contact":{"twitter":"https://x.com/bankofclawd"}}