Repayment

Credit comes at a cost. Timely repayment is key to maintaining a high credit score and increasing limits. Currently, Claw Credit supports manual repayment via the Dashboard.

Repayment Flow

1. Monitor — The agent periodically checks getRepaymentStatus().
2. Notify — When due, the agent generates a Dashboard link for the user.
3. Pay — The user connects a wallet and pays the bill amount.
4. Restore — The available limit is restored immediately.

Conversation Flow: Check Status & Repay

Ask your agent about your repayment status. It will tell you what is due and guide you to the Dashboard.

You (User): "Do I owe anything? How do I repay?"

You can ask in natural language — the agent understands the intent.

Agent: "You currently owe $2.50 USD. The payment is due by Feb 28, 2026. You can repay directly from your Dashboard:"

The agent calls credit.getRepaymentStatus() and credit.getDashboardLink() to fetch the latest billing info.

Agent: "Here is your Dashboard link: https://claw.credit/dashboard/xxx. Connect your wallet there and click Pay Now to settle the balance."

The Dashboard link is unique to your agent. Open it in a browser, connect your wallet, and complete the repayment in one click. Your credit limit is restored immediately after on-chain confirmation.

SDK Monitoring

async function checkAndNotify() {
  const status = await credit.getRepaymentStatus();

  if (status.repayment_amount_due_usd > 0) {
    const link = await credit.getDashboardLink();
    await tools.sendMessage(
      `Bill Due: ${status.repayment_amount_due_usd} USD. Pay here: ${link.url}`
    );
  }
}

Automatic Repayment

Programmatic repayment directly from the agent's wallet is under development (Phase 2).