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Floe Payments and Credit

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by Floe-Labs

create_borrow_intent

Build an unsigned transaction to create a borrow request, then Floe's solver matches it with lenders for credit.

Instructions

Build unsigned tx to create a borrow request. Solver matches it with lenders. Requires any Floe API key (agent floe_... or developer floe_live_...).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
market_idNoMarket ID (bytes32). Omit to use the USDC/USDC same-token market on Base Mainnet — the recommended default for AI agents (no price risk, only interest-accrual liquidation).
min_ltv_bpsNoMin LTV in bps (default 8000 = 80%). For agents pushing the USDC/USDC market to 99% LTV, pass 9900. Same-token markets need only a 50bps gap to the lender's max_ltv_bps; volatile markets need 800bps.
borrow_amountYesAmount to borrow in raw token units
wallet_addressYesBorrower wallet
collateral_amountYesCollateral in raw token units
max_duration_daysYesMax duration in days
min_duration_daysYesMin duration in days
max_interest_rate_bpsYesMax annual rate in bps
Behavior2/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations are provided, so the description must carry the full burden of behavioral disclosure. It does reveal that the tool 'build[s] unsigned tx' (indicating no direct on-chain execution) and requires an API key, but it does not explain side effects, whether the intent is persisted, or what exactly the returned unsigned transaction represents. The mention of a solver matching suggests off-chain behavior but remains vague.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Two concise, front-loaded sentences with no filler. The key action ('Build unsigned tx') is first, followed by the purpose and a clear requirement. Every word earns its place.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the tool has 8 parameters, no output schema, and no annotations, the description is too sparse. It explains what the output is (an unsigned tx) but omits crucial context: how the tx should be used, whether it needs to be signed and broadcast separately, and what 'solver matches it with lenders' implies for the lifecycle. The description is insufficient for an agent to fully understand the tool's role without additional probing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The input schema covers all 8 parameters with descriptions, so the baseline is 3. The tool description adds no parameter-level information beyond what the schema already provides. The schema itself offers rich context for market_id and min_ltv_bps, so the description does not need to compensate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly identifies the verb ('Build') and resource ('borrow request'), and adds that a solver matches it with lenders, which clarifies its role among other intent tools. However, it does not explicitly distinguish it from siblings like create_lend_intent or create_counter_intent, so it falls short of a 5.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides no guidance on when to use this tool versus alternatives. It mentions a prerequisite (API key) but gives no context about scenarios suited for creating a borrow intent, nor does it reference sibling tools like create_lend_intent or create_counter_intent.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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