Kredit SDK Skill

Use this skill when the user wants to add financial risk management, spending controls, or guardrails to AI agents. Kredit provides wallets, rules, kredit scoring, and spend tracking for autonomous agent fleets.

When to Use

User wants to control how much an AI agent can spend

User needs per-API spending limits or rate limits for agents

User wants to track agent spending and block risky transactions

User asks about agent wallets, budgets, or kredit scores

User wants to set up rules like "max $500 per flight booking" or "max 50 OpenAI calls per hour"

User wants to monitor a fleet of agents in real time

User wants to freeze or throttle rogue agents automatically

Install

pip install kredit          # Python
npm i @kredit/kredit        # JavaScript / TypeScript
curl -sSL https://kredit.sh/install | sh  # CLI

MCP Server (Claude Code / Claude Desktop)

npm i -g kredit-mcp
claude mcp add kredit -- kredit-mcp serve --api-key=kr_live_...

Authentication

# CLI login (opens browser, saves key to ~/.kredit/config)
kredit login

Or set env var
export KREDIT_API_KEY=kr_live_...

Or pass directly
kredit = Kredit(api_key="kr_live_...")         # Python
const kr = new Kredit({ apiKey: "kr_live_..." })  # TypeScript

Core Concepts

Agent

An autonomous program that spends money. Each agent has a wallet, rules, kredit score, and priority level. Agents belong to organizations.

Organization

A grouping of agents. Create orgs to separate teams, projects, or environments (e.g. "production", "staging", "research-team").

Wallet

Balance and global spending limits per agent:

balance — current dollars available

budget — total allocated dollars

max_per_txn — max dollars per single transaction (0 = unlimited)

daily_spend_limit — max dollars per day (0 = unlimited)

Rules

Per-action spending limits with fnmatch pattern matching:

match — action pattern (openai.*, flight.*, * for all)

max_cost_per_txn — max dollars per call (0 = unlimited)

daily_spend_limit — max dollars per day on matched actions (0 = unlimited)

hourly_rate_limit — max calls per hour on matched actions (0 = unlimited)

Most specific rule wins (flight.booking beats flight.* beats *)

Priority Levels

normal — blocked when limits hit

high — auto-increase wallet by 50% when balance drops below 10% of budget

critical — never blocked, always allowed (logs warning)

Kredit Score (300-850)

Composite score based on agent behavior. Updates on every reported outcome.

600+ = active (full operation)

400-600 = throttled (reduced limits, flagged for review)

<400 = frozen (all actions blocked, human approval required)

Score factors:

Task success rate (30%)

Cost efficiency (25%)

Violation rate (20%)

Spend consistency (15%)

Tenure bonus (10%)

Check Order (Risk Evaluation Flow)

1. Priority override (critical → always allow) 2. Frozen status check → block 3. High priority auto-increase wallet 4. Global wallet: max_per_txn → block if exceeded 5. Global wallet: daily_spend_limit → block if exceeded 6. Wallet balance → block if insufficient 7. Rules: match action pattern → most specific wins → check limits 8. Kredit score < 400 → block 9. Anomaly detection (10x average cost → flag) 10. Score-based risk escalation

Python SDK

from kredit import Kreditkredit = Kredit(api_key="kr_live_...")

Organizations

org = kredit.orgs.create(name="my-team")
orgs = kredit.orgs.list()

Agents

agent = kredit.agents.create(
    org_name="my-team",
    name="research-bot",
    priority="high",
    wallet={"balance": 5000, "budget": 5000, "max_per_txn": 100, "daily_spend_limit": 1000},
    rules=[
        {"name": "OpenAI cap", "match": "openai.*", "max_cost_per_txn": 5, "daily_spend_limit": 100, "hourly_rate_limit": 50},
        {"name": "Default", "match": "*", "max_cost_per_txn": 50, "daily_spend_limit": 500, "hourly_rate_limit": 200},
    ],
)agents = kredit.agents.list()                          # all agents
agents = kredit.agents.list(org_id=org.id)             # by org
agent = kredit.agents.get(agent_id=agent.id)
kredit.agents.update(agent_id=agent.id, priority="critical")
kredit.agents.delete(agent_id=agent.id)

Rules

kredit.rules.add(
    agent_id=agent.id,
    name="Flight cap",
    match="flight.*",
    max_cost_per_txn=800,
    daily_spend_limit=3000,
    hourly_rate_limit=10,
)rules = kredit.rules.list(agent_id=agent.id)
kredit.rules.update(agent_id=agent.id, rule_id=rules[0].id, max_cost_per_txn=1000)
kredit.rules.remove(agent_id=agent.id, rule_id=rules[0].id)

Check & Report (Core Loop)

# Before any paid action
result = kredit.check(
    agent_id=agent.id,
    action="openai.chat",
    estimated_cost=2.50,
    type="api_call",           # api_call | compute | data | tool | other
    metadata={"model": "gpt-4o"},
)
if result.status == "allowed":
    # Execute the action...
    response = call_openai(prompt)    # Report outcome
    kredit.report(
        transaction_id=result.transaction_id,
        outcome="success",     # success | failure | partial
        actual_cost=2.40,
    )
else:
    print(f"Blocked: {result.block_reason}")
    # e.g. "rule:OpenAI cap:max_cost_per_txn" or "wallet_empty" or "agent_frozen"

Score, Spend & Fleet

score = kredit.score(agent_id=agent.id)
score.score = 742, score.status = "active"
spend = kredit.spend(agent_id=agent.id)
spend.total_spend, spend.daily_spend, spend.weekly_spend, spend.monthly_spend
fleet = kredit.fleet()
fleet.total_agents, fleet.active_agents, fleet.throttled_agents, fleet.frozen_agents
fleet.total_spend, fleet.risk_events_blocked, fleet.avg_credit_score
txns = kredit.transactions.list(agent_id=agent.id, status="blocked", limit=50)

TypeScript SDK

import { Kredit } from "@kredit/kredit";const kredit = new Kredit({ apiKey: "kr_live_..." });

Organizations

const org = await kredit.orgs.create({ name: "my-team" });
const orgs = await kredit.orgs.list();

Agents

const agent = await kredit.agents.create({
  orgName: "my-team",
  name: "research-bot",
  priority: "high",
  wallet: { balance: 5000, budget: 5000, max_per_txn: 100, daily_spend_limit: 1000 },
  rules: [
    { name: "OpenAI cap", match: "openai.*", max_cost_per_txn: 5, daily_spend_limit: 100, hourly_rate_limit: 50 },
  ],
});const agents = await kredit.agents.list();
const agentDetail = await kredit.agents.get({ agentId: agent.id });
await kredit.agents.update({ agentId: agent.id, priority: "critical" });
await kredit.agents.delete({ agentId: agent.id });

Rules

await kredit.rules.add({
  agentId: agent.id,
  name: "Flight cap",
  match: "flight.*",
  max_cost_per_txn: 800,
  daily_spend_limit: 3000,
  hourly_rate_limit: 10,
});const rules = await kredit.rules.list({ agentId: agent.id });
await kredit.rules.update({ agentId: agent.id, ruleId: rules[0].id, max_cost_per_txn: 1000 });
await kredit.rules.remove({ agentId: agent.id, ruleId: rules[0].id });

Check & Report

const result = await kredit.check({
  agentId: agent.id,
  action: "openai.chat",
  estimatedCost: 2.50,
  type: "api_call",
  metadata: { model: "gpt-4o" },
});if (result.status === "allowed") {
  const response = await callOpenAI(prompt);
  await kredit.report({
    transactionId: result.transaction_id,
    outcome: "success",
    actualCost: 2.40,
  });
}

Score, Spend & Fleet

const score = await kredit.score({ agentId: agent.id });
const spend = await kredit.spend({ agentId: agent.id });
const fleet = await kredit.fleet();
const txns = await kredit.transactions.list({ agentId: agent.id, status: "blocked" });

CLI

# Auth
kredit login

Organizations
kredit orgs create --name=my-team
kredit orgs list

Agents
kredit agents create --org-name=my-team --name=research-bot
kredit agents list
kredit agents list --org-id=ORG_ID

Rules
kredit rules add --agent-id=ID --name="OpenAI cap" --match="openai.*" \
  --max-cost-per-txn=5 --daily-spend-limit=100 --hourly-rate-limit=50
kredit rules list --agent-id=ID
kredit rules remove --agent-id=ID --rule-id=RULE_ID

Check & Report
kredit check --agent-id=ID --action=openai.chat --estimated-cost=2.50
kredit report --transaction-id=TXN_ID --outcome=success --actual-cost=2.40

Score & Wallet
kredit score --agent-id=ID
kredit wallet --agent-id=ID

Demo (1-hour simulation with 5 agents)
kredit demo

MCP Tools (22 total)

When installed as an MCP server, Claude can call these tools natively:

Risk Check & Report
Tool Description
`kredit_check` Risk evaluation before a paid action
`kredit_report` Report outcome after action completes

Tool	Description
`kredit_check`	Risk evaluation before a paid action
`kredit_report`	Report outcome after action completes

Organizations
Tool Description
`kredit_list_orgs` List all organizations
`kredit_create_org` Create an organization
`kredit_rename_org` Rename an organization
`kredit_delete_org` Delete an organization

Tool	Description
`kredit_list_orgs`	List all organizations
`kredit_create_org`	Create an organization
`kredit_rename_org`	Rename an organization
`kredit_delete_org`	Delete an organization

Agents
Tool Description
`kredit_list_agents` List agents (filter by org)
`kredit_create_agent` Create agent with wallet, priority, rules
`kredit_get_agent` Get agent details
`kredit_update_agent` Update name, priority, wallet
`kredit_delete_agent` Delete an agent

Tool	Description
`kredit_list_agents`	List agents (filter by org)
`kredit_create_agent`	Create agent with wallet, priority, rules
`kredit_get_agent`	Get agent details
`kredit_update_agent`	Update name, priority, wallet
`kredit_delete_agent`	Delete an agent

Rules
Tool Description
`kredit_list_rules` List rules for an agent
`kredit_add_rule` Add a spending rule (match pattern + limits)
`kredit_update_rule` Update a rule
`kredit_delete_rule` Delete a rule

Tool	Description
`kredit_list_rules`	List rules for an agent
`kredit_add_rule`	Add a spending rule (match pattern + limits)
`kredit_update_rule`	Update a rule
`kredit_delete_rule`	Delete a rule

Score & Wallet
Tool Description
`kredit_score` Get kredit score and stats
`kredit_wallet` Get wallet balance and limits
`kredit_update_wallet` Update wallet balance, budget, limits

Tool	Description
`kredit_score`	Get kredit score and stats
`kredit_wallet`	Get wallet balance and limits
`kredit_update_wallet`	Update wallet balance, budget, limits

Fleet & Logs
Tool Description
`kredit_fleet` Fleet overview stats
`kredit_transactions` List transactions (audit log)
`kredit_events` Agent state change history

Tool	Description
`kredit_fleet`	Fleet overview stats
`kredit_transactions`	List transactions (audit log)
`kredit_events`	Agent state change history

API Reference

Base URL: https://api.kredit.sh Auth: Authorization: Bearer kr_live_...

Risk Check & Report
Method Path Description
POST /check Risk evaluation (agent_id, action, estimated_cost, type, metadata)
POST /report Report outcome (transaction_id, outcome, actual_cost)

Method	Path	Description
POST	/check	Risk evaluation (agent_id, action, estimated_cost, type, metadata)
POST	/report	Report outcome (transaction_id, outcome, actual_cost)

Organizations
Method Path Description
GET /orgs List orgs
POST /orgs Create org
PUT /orgs/:id Rename org
DELETE /orgs/:id Delete org

Method	Path	Description
GET	/orgs	List orgs
POST	/orgs	Create org
PUT	/orgs/:id	Rename org
DELETE	/orgs/:id	Delete org

Agents
Method Path Description
GET /agents List agents (filter: org_id, status)
POST /agents Create agent (name, org_name/org_id, priority, wallet, rules)
GET /agents/:id Get agent
PUT /agents/:id Update agent (name, priority, wallet)
DELETE /agents/:id Delete agent

Method	Path	Description
GET	/agents	List agents (filter: org_id, status)
POST	/agents	Create agent (name, org_name/org_id, priority, wallet, rules)
GET	/agents/:id	Get agent
PUT	/agents/:id	Update agent (name, priority, wallet)
DELETE	/agents/:id	Delete agent

Rules
Method Path Description
GET /agents/:id/rules List rules
POST /agents/:id/rules Add rule
PUT /agents/:id/rules/:rule_id Update rule
DELETE /agents/:id/rules/:rule_id Delete rule

Method	Path	Description
GET	/agents/:id/rules	List rules
POST	/agents/:id/rules	Add rule
PUT	/agents/:id/rules/:rule_id	Update rule
DELETE	/agents/:id/rules/:rule_id	Delete rule

Score & Wallet
Method Path Description
GET /agents/:id/score Get kredit score
GET /agents/:id/spend Get spend breakdown
GET /wallets/:id Get wallet
PUT /wallets/:id Update wallet

Method	Path	Description
GET	/agents/:id/score	Get kredit score
GET	/agents/:id/spend	Get spend breakdown
GET	/wallets/:id	Get wallet
PUT	/wallets/:id	Update wallet

Fleet & Logs
Method Path Description
GET /fleet/overview Fleet stats
GET /transactions Audit log (filter: org_id, agent_id, status, risk_level)
GET /transactions/summary Status counts
GET /agents/:id/events Agent events

Method	Path	Description
GET	/fleet/overview	Fleet stats
GET	/transactions	Audit log (filter: org_id, agent_id, status, risk_level)
GET	/transactions/summary	Status counts
GET	/agents/:id/events	Agent events

Claude Code Hooks (Zero-Integration Path)

Use Kredit as a pre/post hook on tool calls — no SDK needed:

// .claude/hooks.json
{
  "PreToolCall": {
    "tools": ["Bash", "WebFetch"],
    "command": "kredit check --agent-id=$CLAUDE_SESSION_ID --action=$TOOL_NAME --estimated-cost=1"
  },
  "PostToolCall": {
    "tools": ["Bash", "WebFetch"],
    "command": "kredit report --transaction-id=$TXN_ID --outcome=$EXIT_CODE"
  }
}

Links

Dashboard: https://kredit.sh/dashboard

Docs: https://kredit.sh/docs

GitHub: https://github.com/kreditsh/kredit

npm: https://www.npmjs.com/package/@kredit/kredit

PyPI: https://pypi.org/project/kredit/

MCP: https://www.npmjs.com/package/kredit-mcp

Kredit Skill Reference

Kredit SDK Skill

When to Use

Install

MCP Server (Claude Code / Claude Desktop)

Authentication

Or set env var

Or pass directly

Core Concepts

Agent

Organization

Wallet

Rules

Priority Levels

Kredit Score (300-850)

Check Order (Risk Evaluation Flow)

Python SDK

Organizations

Agents

Rules

Check & Report (Core Loop)

Score, Spend & Fleet

score.score = 742, score.status = "active"

spend.total_spend, spend.daily_spend, spend.weekly_spend, spend.monthly_spend

fleet.total_agents, fleet.active_agents, fleet.throttled_agents, fleet.frozen_agents

fleet.total_spend, fleet.risk_events_blocked, fleet.avg_credit_score

TypeScript SDK

Organizations

Agents

Rules

Check & Report

Score, Spend & Fleet

CLI

Organizations

Agents

Rules

Check & Report

Score & Wallet

Demo (1-hour simulation with 5 agents)

MCP Tools (22 total)

Risk Check & ReportToolDescriptionkredit_checkRisk evaluation before a paid actionkredit_reportReport outcome after action completes

OrganizationsToolDescriptionkredit_list_orgsList all organizationskredit_create_orgCreate an organizationkredit_rename_orgRename an organizationkredit_delete_orgDelete an organization

AgentsToolDescriptionkredit_list_agentsList agents (filter by org)kredit_create_agentCreate agent with wallet, priority, ruleskredit_get_agentGet agent detailskredit_update_agentUpdate name, priority, walletkredit_delete_agentDelete an agent

RulesToolDescriptionkredit_list_rulesList rules for an agentkredit_add_ruleAdd a spending rule (match pattern + limits)kredit_update_ruleUpdate a rulekredit_delete_ruleDelete a rule

Score & WalletToolDescriptionkredit_scoreGet kredit score and statskredit_walletGet wallet balance and limitskredit_update_walletUpdate wallet balance, budget, limits

Fleet & LogsToolDescriptionkredit_fleetFleet overview statskredit_transactionsList transactions (audit log)kredit_eventsAgent state change history

API Reference

Risk Check & ReportMethodPathDescriptionPOST/checkRisk evaluation (agent_id, action, estimated_cost, type, metadata)POST/reportReport outcome (transaction_id, outcome, actual_cost)

OrganizationsMethodPathDescriptionGET/orgsList orgsPOST/orgsCreate orgPUT/orgs/:idRename orgDELETE/orgs/:idDelete org

AgentsMethodPathDescriptionGET/agentsList agents (filter: org_id, status)POST/agentsCreate agent (name, org_name/org_id, priority, wallet, rules)GET/agents/:idGet agentPUT/agents/:idUpdate agent (name, priority, wallet)DELETE/agents/:idDelete agent

RulesMethodPathDescriptionGET/agents/:id/rulesList rulesPOST/agents/:id/rulesAdd rulePUT/agents/:id/rules/:rule_idUpdate ruleDELETE/agents/:id/rules/:rule_idDelete rule

Score & WalletMethodPathDescriptionGET/agents/:id/scoreGet kredit scoreGET/agents/:id/spendGet spend breakdownGET/wallets/:idGet walletPUT/wallets/:idUpdate wallet

Fleet & LogsMethodPathDescriptionGET/fleet/overviewFleet statsGET/transactionsAudit log (filter: org_id, agent_id, status, risk_level)GET/transactions/summaryStatus countsGET/agents/:id/eventsAgent events

Claude Code Hooks (Zero-Integration Path)

Links

Risk Check & Report
Tool Description
`kredit_check` Risk evaluation before a paid action
`kredit_report` Report outcome after action completes

Organizations
Tool Description
`kredit_list_orgs` List all organizations
`kredit_create_org` Create an organization
`kredit_rename_org` Rename an organization
`kredit_delete_org` Delete an organization

Agents
Tool Description
`kredit_list_agents` List agents (filter by org)
`kredit_create_agent` Create agent with wallet, priority, rules
`kredit_get_agent` Get agent details
`kredit_update_agent` Update name, priority, wallet
`kredit_delete_agent` Delete an agent

Rules
Tool Description
`kredit_list_rules` List rules for an agent
`kredit_add_rule` Add a spending rule (match pattern + limits)
`kredit_update_rule` Update a rule
`kredit_delete_rule` Delete a rule

Score & Wallet
Tool Description
`kredit_score` Get kredit score and stats
`kredit_wallet` Get wallet balance and limits
`kredit_update_wallet` Update wallet balance, budget, limits

Fleet & Logs
Tool Description
`kredit_fleet` Fleet overview stats
`kredit_transactions` List transactions (audit log)
`kredit_events` Agent state change history

Risk Check & Report
Method Path Description
POST /check Risk evaluation (agent_id, action, estimated_cost, type, metadata)
POST /report Report outcome (transaction_id, outcome, actual_cost)

Organizations
Method Path Description
GET /orgs List orgs
POST /orgs Create org
PUT /orgs/:id Rename org
DELETE /orgs/:id Delete org

Agents
Method Path Description
GET /agents List agents (filter: org_id, status)
POST /agents Create agent (name, org_name/org_id, priority, wallet, rules)
GET /agents/:id Get agent
PUT /agents/:id Update agent (name, priority, wallet)
DELETE /agents/:id Delete agent

Rules
Method Path Description
GET /agents/:id/rules List rules
POST /agents/:id/rules Add rule
PUT /agents/:id/rules/:rule_id Update rule
DELETE /agents/:id/rules/:rule_id Delete rule

Score & Wallet
Method Path Description
GET /agents/:id/score Get kredit score
GET /agents/:id/spend Get spend breakdown
GET /wallets/:id Get wallet
PUT /wallets/:id Update wallet

Fleet & Logs
Method Path Description
GET /fleet/overview Fleet stats
GET /transactions Audit log (filter: org_id, agent_id, status, risk_level)
GET /transactions/summary Status counts
GET /agents/:id/events Agent events