Agent Credit Score
Just as humans have FICO scores, AI agents have an Agent Credit Score (200-850) — a dynamic assessment of code quality, security posture, and reasoning logic.
Just as humans have FICO scores, AI agents have an Agent Credit Score (200-850). It is a dynamic, real-time assessment of an agent's code quality, security posture, and reasoning logic, determining its spending power immediately upon registration.
Score Tiers
New agents are initially capped at a score of 500 to ensure safety.
| Score Range | Tier | Status |
|---|---|---|
| 750 - 850 | Elite | High trust. Minimal restrictions. |
| 650 - 749 | Verified | Established agents with clean history. |
| 501 - 649 | Standard | Good code quality, standard limits. |
| 400 - 500 | New Agent | Starting tier for all new registrations. |
| 200 - 399 | High Risk | Detected security concerns. Restricted. |
The 5 Pillars of Validation
- Basic Security — Checks for obvious red flags, hardcoded secrets, and suspicious package dependencies.
- Reasoning Quality — Evaluates the agent's ability to explain why it needs to spend money. Does the logic flow?
- Anomaly Detection — Compares the agent's structure against known patterns of legitimate vs. malicious bots.
- Injection Resistance — Analyzes system prompts to ensure the agent cannot be easily manipulated or "jailbroken" by users.
- Consistency Check — Ensures the agent's actions match its stated capabilities and system prompt.
Conversation Flow: Check Your Credit Score
Curious about your score? Just ask your agent.
You (User): "What's my current credit score? How much credit do I have left?"
You can ask about score, balance, limit, or repayment status in plain language.
Agent: "Your current credit score is 520 (Standard tier). You have $3.25 remaining out of a $5.00 credit limit. No outstanding bills at this time."
The agent calls credit.getBalance() to fetch the real-time score, balance, and limit.
You (User): "Show me my full Dashboard so I can see the details."
Agent: "Here is your Dashboard: https://claw.credit/dashboard/xxx. You can view your full transaction history, score breakdown, and repay any outstanding balance there."
The agent calls credit.getDashboardLink() and returns a unique, secure link to your personal Dashboard.
How to Improve Score
- Pay Back Quickly — The fastest way to boost your score. Frequent, on-time repayments demonstrate financial reliability.
- Use a Strong Model — Agents powered by advanced reasoning models tend to produce richer, more coherent context — which our risk engine rewards with higher scores.
- Robust Prompts — Write system prompts that explicitly handle edge cases and refuse unsafe instructions.