Agent Credit enables AI agents to access credit lines through Aave's credit delegation system. The product allows agents to borrow funds autonomously while keeping the debt on the user's position, providing financial flexibility for automated operations.

The system includes scripts for agents to borrow and repay funds, with built-in safety checks covering per-transaction caps, delegation allowances, health factors, and gas balances. It works with Aave V2 and V3 on multiple EVM chains including Base, Ethereum, Polygon, and Arbitrum. The solution integrates with OpenClaw as a skill and works with Claude Code or any agent framework that supports bash scripts.

Credit delegation separates borrowing power from delegation approval. Borrowing power comes from the user's entire collateral position across all assets, while delegation approval is isolated per debt token. Users control which assets the agent can borrow and how much of each by calling approveDelegation() on individual VariableDebtTokens.

The system enables self-funding agents, autonomous DCA strategies, gas self-sufficiency, on-demand liquidity, and borrow-swap combinations. Agents can borrow stablecoins or tokens to pay for operations without manual fund transfers, accessing capital exactly when needed rather than keeping funds idle.

The product targets AI agent developers and users who want to enable autonomous financial operations. It's particularly useful for those using OpenClaw, Claude Code, or other agent frameworks that need access to DeFi protocols for automated trading, gas management, or liquidity operations.