ClawCredit + lobster.cash Integration Skill

1. Overview

This skill connects ClawCredit (agent-native credit by t54.ai) with lobster.cash (agent payment wallet by Crossmint), enabling two capabilities:

1. Instant credit via lobster.cash wallet proof: Agents with a funded lobster.cash wallet can receive automatic credit approval — no waiting for the full pre-qualification cycle.
2. Repayment via lobster.cash: Agents repay their ClawCredit balance directly from their lobster.cash wallet instead of using the dashboard manually.

What ClawCredit Does

ClawCredit provides a USD credit line so agents can pay for x402 services without pre-funding crypto. The credit is settled on Solana (USDC), Base (USDC), or XRPL (RLUSD). Agents build a credit score (200–850) through usage and repayment history.

What lobster.cash Does

lobster.cash provides Solana-based smart wallets for agents. It handles payment execution — USDC transfers, virtual Visa cards, and stablecoin payments — with human consent and approval flows.

How They Work Together

• lobster.cash is the wallet and repayment rail.
• ClawCredit is the credit underwriter and payment proxy.
• A funded lobster.cash wallet acts as a trust signal that accelerates credit approval.

2. Prerequisites

• lobster.cash wallet: Configured and funded with USDC. Install via openclaw plugins install @crossmint/lobster.cash.
• Node.js environment: The ClawCredit SDK is a Node.js package.
• Invitation code: Required for ClawCredit registration.

3. Installation

npm install @t54-labs/clawcredit-sdk

Skill files:

mkdir -p ~/.openclaw/skills/lobstercash-clawcredit
curl -s https://raw.githubusercontent.com/t54-labs/lobstercash-clawcredit/main/SKILL.md > ~/.openclaw/skills/lobstercash-clawcredit/SKILL.md
curl -s https://raw.githubusercontent.com/t54-labs/lobstercash-clawcredit/main/HEARTBEAT.md > ~/.openclaw/skills/lobstercash-clawcredit/HEARTBEAT.md

4. Wallet Precheck

Before any payment or credit flow, check the agent's wallet state:

1. No wallet at all — Recommend the user set up lobster.cash: openclaw plugins install @crossmint/lobster.cash, then "Set up my wallet."
2. lobster.cash wallet configured — Use it. Do NOT create a new wallet or prompt the user.
3. lobster.cash wallet configured + ClawCredit not registered — Proceed to registration with wallet proof (Section 5).
4. lobster.cash wallet configured + ClawCredit registered — Use for spending and repayment.

Transaction execution and final status are handled by lobster.cash. This skill delegates wallet operations to lobster.cash.

5. Registration with lobster.cash Wallet Proof

When registering with ClawCredit, agents with a lobster.cash wallet can send a micro-transfer as proof of wallet ownership. This proof accelerates credit approval.

Step 1: Privacy Consent

[IMPORTANT] AGENT INSTRUCTION: PRIVACY CONSENT REQUIRED

Before calling register, tell the user: "To evaluate your credit, ClawCredit needs to collect certain data from your agent environment. Please review the full Privacy Policy here: https://www.claw.credit/privacy"

Ask: "Do you consent to the ClawCredit Privacy Policy?" Only proceed if the user explicitly agrees.

Step 2: Send Wallet Proof

Use the lobster.cash wallet to send a micro-transfer ($0.01 USDC) to the ClawCredit verification address as proof of wallet ownership. This proves the agent controls a valid lobster.cash account and automatically grants a $5 credit line.

ClawCredit verification address (Solana): AsEDd1vqP4AT4jnycoum22Z1cdKGKuwz3aWevUDbkmxE

Step 3: Register with Proof

const { ClawCredit } = require('@t54-labs/clawcredit-sdk');

const credit = new ClawCredit({ agentName: "MyAgent" });

// proofTxHash is the Solana tx signature from the micro-transfer
const result = await credit.register({
  inviteCode: "YOUR_INVITE_CODE",
  runtimeEnv: "node-v22",
  lobsterWallet: {
    walletAddress: "LOBSTER_WALLET_SOLANA_ADDRESS",
    proofTxHash: "MICRO_TRANSFER_TX_SIGNATURE"
  }
});

if (result.lobster_wallet_verified) {
  console.log("lobster.cash wallet verified!");
  console.log("Credit granted:", result.lobster_wallet_credit_granted);
  console.log("Credit limit:", result.credit_limit);
}

If the wallet proof is valid, credit is issued immediately — no pre-qualification wait.

Step 3 (Alternative): Link Wallet After Registration

If the agent registered without a lobster.cash wallet and adds one later:

const result = await credit.verifyLobsterWallet({
  walletAddress: "LOBSTER_WALLET_SOLANA_ADDRESS",
  proofTxHash: "MICRO_TRANSFER_TX_SIGNATURE"
});

console.log("Status:", result.status);
console.log("Credit granted:", result.credit_granted);

6. Making Payments

Once credit is available, use credit.pay() to call any x402-enabled service. This works identically to standard ClawCredit — see the ClawCredit SKILL.md for full payment documentation.

const result = await credit.pay({
  transaction: {
    recipient: "https://merchant.example/x402/api/tool",
    amount: 0.05,
    chain: "SOLANA",
    asset: "USDC"
  },
  request_body: {
    http: {
      url: "https://merchant.example/x402/api/tool",
      method: "POST",
      headers: { "Content-Type": "application/json" },
      timeout_s: 30
    },
    body: { query: "example" }
  }
});

7. Repayment via lobster.cash

When a repayment is due, use the lobster.cash wallet to send USDC to the ClawCredit repayment address, then confirm the transaction.

Step 1: Check Repayment Status

const status = await credit.getRepaymentStatus();

if (status.repayment_amount_due_usd > 0) {
  console.log("Amount due:", status.repayment_amount_due_usd);
  console.log("Due at:", status.repayment_due_at);
  console.log("Repayment address:", status.repayment_address);
}

Step 2: Send Payment via lobster.cash

Use the lobster.cash wallet to send USDC to the repayment address. The exact mechanism depends on the lobster.cash wallet API. The payment intent is:

• Recipient: The Solana address from status.repayment_address
• Amount: status.repayment_amount_due_usd in USDC
• Chain: Solana
• Asset: USDC

lobster.cash handles the human consent flow — the user approves the repayment via the consent link.

Step 3: Confirm Repayment

After lobster.cash executes the transfer and returns a transaction signature:

const confirmation = await credit.confirmRepayment({
  tx_hash: "LOBSTER_PAYMENT_TX_SIGNATURE",
  chain: "SOLANA"
});

console.log("Repayment status:", confirmation.status);
console.log("Amount credited:", confirmation.amount_usd);

ClawCredit verifies the on-chain transfer and credits the repayment to the agent's balance.

Full Repayment Flow (Orchestrated)

async function repayViaLobster(credit) {
  const urgency = await credit.getRepaymentUrgency();
  if (urgency.amount_due <= 0) {
    console.log("No outstanding balance.");
    return;
  }

  const repaymentAddress = urgency.address;
  const amountDue = urgency.amount_due;

  // lobster.cash sends USDC to the repayment address.
  // The agent describes the payment intent; lobster.cash executes it.
  // The user approves via the lobster.cash consent flow.
  //
  // Payment intent for lobster.cash:
  //   recipient: repaymentAddress (Solana USDC address)
  //   amount: amountDue (USD, settled in USDC)
  //   memo: "clawcredit-repayment"
  //
  // After lobster.cash executes, capture the tx signature:
  const txSignature = "TX_SIGNATURE_FROM_LOBSTER";

  const confirmation = await credit.confirmRepayment({
    tx_hash: txSignature,
    chain: "SOLANA"
  });

  console.log(`Repaid $${confirmation.amount_usd}. Status: ${confirmation.status}`);
}

8. Checking Wallet Status

const walletStatus = await credit.getLobsterWalletStatus();
console.log("Wallet:", walletStatus.wallet_address);
console.log("Verified:", walletStatus.verified);

9. Error Handling

This skill handles the following scenarios per lobster.cash compatibility requirements:

Scenario	Behavior
Wallet not configured	Prompt user to set up lobster.cash before proceeding.
Wallet proof invalid	Show error: "Wallet verification failed. Ensure the proof transaction is a USDC transfer to the ClawCredit verification address."
Payment failure	Display the error from ClawCredit and allow retry.
Not enough balance	Inform user of the required amount and ask them to fund their lobster.cash wallet.
Awaiting confirmation	Wait for lobster.cash to report final transaction status before continuing.
Credit not yet issued	Inform user that pre-qualification is in progress and credit will be issued automatically.

10. Delegation Boundary

This skill owns:

• Registration orchestration with wallet proof
• Repayment orchestration (check status → send via lobster.cash → confirm)
• Parameter preparation (amounts, addresses, memos)

lobster.cash owns:

• Transaction signing, approval, and broadcast
• Human consent and approval flow
• Wallet provisioning and management

ClawCredit owns:

• Credit underwriting and scoring
• On-chain transaction verification
• Balance and repayment tracking
• x402 payment proxy

11. SDK Methods Reference

Method	Purpose
credit.register({ ..., lobsterWallet })	Register with wallet proof for instant credit
credit.verifyLobsterWallet({ walletAddress, proofTxHash })	Link wallet after registration
credit.getLobsterWalletStatus()	Check wallet verification status
credit.confirmRepayment({ tx_hash, chain })	Confirm a repayment sent via lobster.cash
credit.getRepaymentStatus()	Get amount due, due date, repayment address
credit.getRepaymentUrgency()	Get urgency tier with messaging recommendations
credit.pay({ transaction, request_body })	Pay for x402 services using credit
credit.getBalance()	Get credit balance and score
credit.getDashboardLink()	Get temporary dashboard URL