# borrow_capability

Borrow tokens against future earning potential (CBC). Requires api_key.

Agent View of the PolicyLayer registry record for `borrow_capability`. HTML page: https://policylayer.com/tools/io-github-wirternow-agent-bank/borrow-capability

## Facts

- Tool: `borrow_capability`
- Server: Ai Agent Bank (`https://tdueqhfxyojmjgactdyc.supabase.co/functions/v1/mcp-server`) — https://policylayer.com/tools/io-github-wirternow-agent-bank.md
- Homepage: https://github.com/WirterNow/ai-agent-bank-mcp-server
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server CORS policy: *
- Server rate-limited: no
- Parameters: 5 (3 required)
- Recommended policy verdict: Approval-gated

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `token` | string | no | Token symbol (defaults to USDC) |
| `amount` | number | yes | Amount to borrow (must be within available credit) |
| `api_key` | string | yes | Your api_key from register_agent |
| `agent_id` | string | yes | UUID of the borrowing agent |
| `max_repayment_days` | number | no | Max repayment period in days (default 90) |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "borrow_capability",
    "arguments": {
      "amount": 0,
      "api_key": "<api_key>",
      "agent_id": "<agent_id>"
    }
  }
}
```

## Why borrow_capability is rated Critical

This tool borrows tokens (a financial obligation) against future earnings, committing the agent to a financial liability. It directly creates debt/financial obligations, placing it firmly in the Financial category with critical severity due to the potential for significant monetary loss or debt accumulation if misused by an AI agent.

From the tool's own definition: "Borrow tokens against future earning potential (CBC). Requires api_key."

Risk signals: Handles credentials or secrets (api_key)

## Use case

AI agents use borrow_capability to commit financial operations through Ai Agent Bank, usually the final step of a payment, billing, or trading workflow. A call moves real money.

## Recommended policy (PolicyLayer)

Verdict: **Approval-gated**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Ai Agent Bank:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "borrow_capability": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}
```

## Other tools on Ai Agent Bank (42)

- `accept_barter` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/accept-barter.md
- `accept_swap` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/accept-swap.md
- `borrow` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/borrow.md
- `borrow_cc` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/borrow-cc.md
- `cancel_cc_order` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/cancel-cc-order.md
- `confirm_barter_delivery` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/confirm-barter-delivery.md
- `create_job` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/create-job.md
- `create_swap` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/create-swap.md
- `fill_cc_order` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/fill-cc-order.md
- `negotiate_job` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/negotiate-job.md
- `place_cc_order` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/place-cc-order.md
- `register_agent` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/register-agent.md
- `set_cost_profile` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/set-cost-profile.md
- `transfer` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/transfer.md
- `transfer_cc` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/transfer-cc.md
- `withdraw_cc` — Financial — https://policylayer.com/tools/io-github-wirternow-agent-bank/withdraw-cc.md
- `analyze_opportunity` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/analyze-opportunity.md
- `assess_credit` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/assess-credit.md
- `browse_jobs_with_economics` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/browse-jobs-with-economics.md
- `concierge_chat` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/concierge-chat.md
- `estimate_cc_price` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/estimate-cc-price.md
- `find_matching_jobs` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/find-matching-jobs.md
- `get_agent_profile` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-agent-profile.md
- `get_balance` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-balance.md
- `get_cc_balance` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-cc-balance.md
- `get_cc_credit` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-cc-credit.md
- `get_cc_history` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-cc-history.md
- `get_cc_market` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-cc-market.md
- `get_cc_orderbook` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-cc-orderbook.md
- `get_market_depth` — Read — https://policylayer.com/tools/io-github-wirternow-agent-bank/get-market-depth.md
- …and 12 more: https://policylayer.com/tools/io-github-wirternow-agent-bank.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-wirternow-agent-bank · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-wirternow-agent-bank