Prepare: open an agent credit line, post or borrow
credit_openUnsigned transactions. Without account: open a line owned by the signing wallet for an agent (never the wallet itself), in a market credit_markets lists ("CREDIT", the default), post its credits and optionally borrow USDG at once (to the wallet unless to names an allowlisted address); exact credit approval to the factory first. The owner's limits: ceiling (USDG, default the most the target allows today), daily_limit (USDG out in any 24 hours, borrows and the agent's withdrawals together, or "none"; default the ceiling, or $100 with a gas station; at most $5,000 with one), target_ltv (a fraction under 1 like 0.18, or a percent with its sign like "18%"; the market's default, 0.18 for CREDIT, at most the market's max trigger), trigger_ltv for protect (by the market's rule; CREDIT: the target plus 7 points, at least 0.27 and at most 0.3), allow (addresses borrowed USDG may go to, 16 at most), gas_station (true: put the agent's gas station on the allowlist), bills (true: bill pay, the agent's own wallet on the allowlist, for x402 bills through credit_bill; the daily limit then defaults to $100), keeper ("borro", the default, "none" or an address), sell_bps and slip_bps for protect's sales (CREDIT defaults 2500 and 300; 0 in a market with no pool). With account: post more credits (anyone) and/or borrow (the line's agent or owner) to an allowed address. A wallet holding $BORRO borrows for less once Holder Credit counts it (holder_benefits). Refuses locally what the line would refuse (over the daily limit, the ceiling or the target, during a write-off, past what the market has free, past 90% used, past what the depth gate allows, before CREDIT's price starts); simulated from the wallet. Check each transaction's to: the factory, a line the factory confirms (isAccount), or the credit for an exact approval.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| to | No | Where borrowed USDG goes: the owner or an allowlisted address (default the wallet, or the owner) | |
| agent | No | New line: the agent's address, the wallet that will borrow from it (not the owner's) | |
| allow | No | New line: addresses borrowed USDG may go to (16 at most) | |
| bills | No | New line: bill pay, the agent's own wallet on the allowlist, so it can borrow what it is short of an x402 bill (credit_bill); the line then needs a daily limit ($100 unless given) | |
| borrow | No | USDG to borrow now (optional), in whole units as a decimal string, like "1.5" | |
| keeper | No | New line: "borro" (Borro's keeper, the default), "none", or an address | |
| market | No | New line: which market, by its symbol in credit_markets (default CREDIT) | |
| wallet | Yes | The wallet's address (0x...); the transactions are built for it to sign | |
| account | No | An existing line: post more and/or borrow from it (leave out to open a new line) | |
| ceiling | No | New line: the most USDG the line may owe (optional), in whole units as a decimal string, like "1.5" | |
| credits | No | Credits to post, in whole units as a decimal string, like "1.5" | |
| sell_bps | No | New line: most of the credits one protect sale may sell, in hundredths of a percent (0 to 2500; CREDIT default 2500; 0 in a market with no pool) | |
| slip_bps | No | New line: most a protect sale may fill under the feed's price, in hundredths of a percent (0 to 1000, default 300) | |
| target_ltv | No | New line: target LTV, a fraction under 1 like 0.18 or a percent with its sign like "18%" (the market's default: 0.18 for CREDIT) | |
| daily_limit | No | New line: the most USDG out in any 24 hours, like "100", or "none" (default the ceiling; $100 with a gas station, at most $5,000) | |
| gas_station | No | New line: put the agent's gas station on the allowlist, so the agent can borrow its own gas (credit_gas) | |
| trigger_ltv | No | New line: LTV above which the keeper may protect it (default by the market's rule) |