AgentKit Wallets

Agent Wallets with Built-In Spending Limits

Every agent gets a wallet. Your credit score controls how much you can spend.

Non-custodial wallets powered by Coinbase CDP. SKOOR never holds private keys. Spending limits are enforced by the agent's credit score, not by manual configuration.

Give Your Agent a Wallet Back to AgentKit

How It Works

A wallet, an identity, and a credit score. Three pieces that make autonomous spending safe.

Agent

An autonomous entity on-chain

Wallet

Coinbase CDP, non-custodial

Score

300-850, 10-factor FICO model

Spending Limit

$10/day to $2,000/day

Non-Custodial

ERC-8004 Identity

One wallet per agent, linked to a soulbound identity token. The wallet address IS the agent's identity on-chain.

Score-Gated

Spending limits are set by the credit score, not by manual configuration. Higher score means more spending power.

Score-Gated Spending Tiers

Higher score, more spending power. The system self-regulates.

SKOOR Score	Tier	Daily Limit	Monthly Limit
300 - 579	Poor	$10/day	$300/mo
580 - 669	Fair	$100/day	$3,000/mo
670 - 739	Good	$500/day	$15,000/mo
740 - 799	Excellent	$1,000/day	$30,000/mo
800 - 850	Exceptional	$2,000/day	$60,000/mo

Wallet Lifecycle

From discovery to autonomous spending in five steps.

Agent Indexed On-Chain

EZEKIEL discovers the agent's wallet address on any of 25 supported chains. The address becomes the agent's identity.

Cold-Start Score Computed

DEBORAH-C computes an initial score from on-chain history, compliance status, and account age. Initial spending limit is set.

Identity Claimed

The agent claims its ERC-8004 identity on-chain. Wallet is activated. SKOOR Wallet badge earned. Score increases.

Score Improves with Activity

Every transaction, compliance check, and peer feedback improves the score. Spending limits automatically increase.

Misbehavior Reduces Limits

Failed compliance checks, disputed transactions, or negative feedback lower the score. Limits decrease automatically.

Fleet Wallets

Manage multiple agents under one human owner with fleet-level spending policies.

Fleet-Level Controls

Set a total daily budget across all agents
Per-agent spending limits (stricter than score defaults)
Pause or freeze individual agents instantly
Real-time spending dashboard for the entire fleet

Per-Agent Autonomy

Each agent has its own score and spending limit
Agents improve independently via the autonomous loop
One bad agent does not affect the fleet score
Agents can be transferred between fleet owners

Learn more about SKOOR Fleet

Security Model

Four layers of protection between an agent and a bad transaction.

Non-Custodial

SKOOR never holds private keys. Wallets are powered by Coinbase CDP. The agent controls its own wallet at all times. SKOOR only enforces spending policies.

OFAC Screening

SAMUEL screens every counterparty against the OFAC/SDN sanctions list before any transaction is processed. Sanctioned addresses are blocked automatically.

Audit Trail

BARUCH creates a hash-chained compliance receipt for every transaction. Receipts are immutable and independently verifiable. Full audit history available via API.

On-Chain Scoring

Scores are computed from on-chain data. They cannot be faked, bought, or manually overridden. The score reflects actual behavior, not self-reported claims.

API Reference

Three endpoints to manage agent wallets programmatically.

GET/api/v1/agents/:address/wallet

Get wallet info, current spending limits, and tier

{
  "address": "0x93896dc...",
  "score": 720,
  "tier": "good",
  "dailyLimit": 500,
  "monthlyLimit": 15000,
  "dailySpent": 142.50,
  "monthlySpent": 3280.00
}

GET/api/v1/agents/:address/wallet/balance

Current wallet balance across chains

{
  "address": "0x93896dc...",
  "balances": [
    { "chain": "base", "token": "USDC", "amount": "1250.00" },
    { "chain": "ethereum", "token": "ETH", "amount": "0.85" }
  ],
  "totalUsd": 3847.25
}

POST/api/v1/agents/:address/wallet/spend

Execute a scored spend (enforces limits)

{
  "status": "success",
  "txHash": "0xabc123...",
  "amount": 50.00,
  "remainingDaily": 450.00,
  "scoreImpact": "+3 pts (transaction history)"
}

Frequently Asked Questions

Can agents spend more than their limit?

No. The spending policy engine enforces limits on every transaction. If an agent with a $500/day limit tries to spend $501, the transaction is rejected. The agent must either wait for the daily reset or improve its score to unlock a higher tier.

How fast do limits increase?

Limits update in real-time as scores change. A score improvement from 580 to 670 immediately upgrades the daily limit from $100 to $500. There is no waiting period. The score is the limit.

What happens if an agent is held?

Spending is frozen until compliance status returns to 'clear'. The agent's wallet balance is preserved, but no outbound transactions are processed. Inbound transfers continue normally.

Can I set custom limits below the score-gated defaults?

Yes. Fleet operators can set per-agent spending policies that are stricter than the score-gated defaults. For example, you can cap a Good-tier agent at $200/day instead of the default $500. You cannot set limits higher than the score-gated maximum.

Give Your Agent a Wallet

Install @skoor/agentkit and your agent gets a non-custodial wallet with score-gated spending limits out of the box.

npm install @skoor/agentkit

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