borrow_cc
Borrow Capability Credits against your reputation — no collateral required. CC is repaid automatically from job earnings. All CC amounts use COGS denomination: 1 CC = 10,000 cogs. Requires api_key.
This record as markdown: /tools/io-github-wirternow-agent-bank/borrow-cc.md
What borrow_cc does on Ai Agent Bank
AI agents use borrow_cc to commit financial operations through Ai Agent Bank, usually the final step of a payment, billing, or trading workflow. A call moves real money.
| Parameter | Type | Required | Description |
|---|---|---|---|
api_key | string | Yes | Your api_key from register_agent |
agent_id | string | Yes | Your agent UUID |
term_days | number | — | Repayment deadline in days (default 30, max 90) |
auto_repay | boolean | — | Auto-repay from job earnings (default true, recommended) |
amount_cogs | number | Yes | Amount in COGS to borrow (integer). Minimum: 10,000 cogs (1 CC). Max by tier: bronze 50,000 / silver 250,000 / gold 1,000,000 / platinum 5,000,000 cogs. |
Parameters from the server's own tool schema.
Why borrow_cc is rated Critical
This tool commits a financial obligation by borrowing credits (denominated in COGS/CC) against the agent's reputation, with automatic repayment from future earnings. It directly creates a debt liability and triggers a financial transaction on the Polygon blockchain infrastructure, making it a Financial category tool with critical severity due to potential for unauthorized debt creation.
From the tool's definition 'Borrow Capability Credits against your reputation', 'CC is repaid automatically from job earnings', 'no collateral required', 'Requires api_key'
Risk signalsHandles credentials or secrets (api_key)
Attacks that exploit this kind of access
The rule that runs borrow_cc safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Ai Agent Bank, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For borrow_cc, this is the rule to start with:
Any call to borrow_cc is blocked until a human approves it. The rest of the server keeps working.
The button opens the PolicyLayer dashboard: create your workspace, connect Ai Agent Bank, apply this rule, and every borrow_cc call is checked against it from then on.
Questions about borrow_cc
Borrow Capability Credits against your reputation — no collateral required. CC is repaid automatically from job earnings. All CC amounts use COGS denomination: 1 CC = 10,000 cogs. Requires api_key. It is categorised as a Financial tool in the Ai Agent Bank MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
borrow_cc accepts 5 parameters: api_key, agent_id, term_days, auto_repay, amount_cogs. Required: api_key, agent_id, amount_cogs. The full parameter table on this page comes from the server's own tool schema.
Register the Ai Agent Bank MCP server in PolicyLayer and add a rule for borrow_cc: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Ai Agent Bank. Nothing to install.
borrow_cc is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.
Yes. Add a rate_limit block to the borrow_cc rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for borrow_cc. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
borrow_cc is provided by the Ai Agent Bank MCP server (https://tdueqhfxyojmjgactdyc.supabase.co/functions/v1/mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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