@kredit/kredit

Risk management SDK for AI agents. Wallets, spending rules, and kredit scores.

Install

npm i @kredit/kredit

Authentication

import { Kredit } from "@kredit/kredit";

// Pass directly
const kredit = new Kredit({ apiKey: "kr_live_..." });

// Or use env var: KREDIT_API_KEY
const kredit = new Kredit();

// Or use ~/.kredit/config file (created by `kredit login`)
const kredit = new Kredit();

Full Pipeline

1. Create Organization

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

2. Create Agent with Wallet

const agent = await kredit.agents.create({
  orgName: "my-team",
  name: "travel-bot",
  priority: "high",
  wallet: { balance: 5000, budget: 5000, max_per_txn: 1000, daily_spend_limit: 5000 },
  rules: [
    { name: "Flight cap", match: "flight.*", max_cost_per_txn: 800, daily_spend_limit: 3000, hourly_rate_limit: 10 },
    { name: "Default", match: "*", max_cost_per_txn: 100, daily_spend_limit: 500, hourly_rate_limit: 200 },
  ],
});

3. Add More Rules

await kredit.rules.add({
  agentId: agent.id,
  name: "OpenAI cap",
  match: "openai.*",
  max_cost_per_txn: 5,
  daily_spend_limit: 100,
  hourly_rate_limit: 50,
});

const rules = await kredit.rules.list({ agentId: agent.id });
await kredit.rules.update({ agentId: agent.id, ruleId: rules[0].id, max_cost_per_txn: 10 });
await kredit.rules.remove({ agentId: agent.id, ruleId: rules[0].id });

4. Check Risk Before Any Paid Action

const result = await kredit.check({
  agentId: agent.id,
  action: "flight.booking",
  estimatedCost: 450,
  type: "api_call",                    // api_call | compute | data | tool | other
  metadata: { provider: "kayak" },     // optional context
});

// result.status: "allowed" | "blocked" | "flagged"
// result.risk_level: "low" | "medium" | "high" | "critical"
// result.block_reason: "rule:Flight cap:max_cost_per_txn" | "wallet_empty" | "agent_frozen" | null
// result.transaction_id: "txn_..."
// result.wallet_balance: 4550
// result.credit_score: 742

5. Execute Action & Report Outcome

if (result.status === "allowed") {
  const booking = await bookFlight(params);
  await kredit.report({
    transactionId: result.transaction_id,
    outcome: "success",                // success | failure | partial
    actualCost: 425,                   // optional — adjusts wallet if different from estimate
  });
} else {
  console.log(`Blocked: ${result.block_reason}`);
}

6. Check Kredit Score

const score = await kredit.score({ agentId: agent.id });
// score.score: 742 (300-850)
// score.status: "active" | "throttled" | "frozen"
// score.task_success_rate: 0.95
// score.cost_efficiency: 0.92
// score.violation_count: 2
// score.total_tasks: 48

7. Check Spend

const spend = await kredit.spend({ agentId: agent.id });
// spend.total_spend: 12450
// spend.daily_spend: 890
// spend.weekly_spend: 4200
// spend.monthly_spend: 12450

8. Fleet Overview

const fleet = await kredit.fleet();
// fleet.total_agents: 15
// fleet.active_agents: 10
// fleet.throttled_agents: 3
// fleet.frozen_agents: 2
// fleet.total_spend: 52400
// fleet.risk_events_blocked: 124
// fleet.avg_credit_score: 680

All Agent Methods

const agents = await kredit.agents.list();                       // all agents
const agents = await kredit.agents.list({ orgId: org.id });      // by org
const agent = await kredit.agents.get({ agentId: "agt_..." });
await kredit.agents.update({ agentId: agent.id, priority: "critical" });
await kredit.agents.update({ agentId: agent.id, wallet: { budget: 10000 } });
await kredit.agents.delete({ agentId: agent.id });

All Wallet Methods

const wallet = await kredit.wallet.get({ agentId: agent.id });
await kredit.wallet.update({
  agentId: agent.id,
  balance: 5000,
  budget: 10000,
  max_per_txn: 500,
  daily_spend_limit: 2000,
});

All Transaction Methods

const txns = await kredit.transactions.list();                                  // all
const txns = await kredit.transactions.list({ agentId: agent.id });             // by agent
const txns = await kredit.transactions.list({ status: "blocked" });             // blocked only
const txns = await kredit.transactions.list({ riskLevel: "high", limit: 10 }); // high risk

Core Concepts

Wallet — balance, budget, max_per_txn, daily_spend_limit (all in dollars, 0 = unlimited)

Rules — per-action limits with fnmatch patterns (openai.*, flight.*, *). Most specific wins.

Priority — normal (blocked at limits), high (auto-topup at 10%), critical (never blocked)

Kredit Score — 300-850 composite. 600+ = active, 400-600 = throttled, <400 = frozen.

Check Order — priority → frozen check → auto-topup → wallet limits → rules → score → anomaly detection

Links

• Dashboard
• Docs
• Skill Reference
• GitHub
• PyPI
• MCP