feat: add Floe action provider — Financial OS for AI agents

[achris7]

Summary

Adds the Floe action provider — the Financial OS for AI agents. One provider gives agents wallet, fiat on/off-ramp, working capital, x402 payments, and portable credit on Base.

3,000+ secured working capital lines issued. Zero defaults. 13,000+ x402 APIs reachable.

The financial loop

1. Fund     → Buy USDC with a bank account or card (dashboard)
2. Deposit  → Agent deposits USDC as collateral
3. Borrow   → Get up to 95% back as working capital (instantBorrow)
4. Spend    → Call any x402 API — Floe pays automatically (x402Fetch)
5. Repay    → Pay back principal + fixed fee, deposit returns
6. Trust    → Every repayment builds the agent's credit record

No price-volatility risk. No crypto complexity. Gas-free for delegated agents.

8 actions

Action	Type	What it does
getMarkets	Read	Available lending markets and terms
instantBorrow	Write	Deposit USDC, borrow up to 95% — auto-selects best lender
repay	Write	Repay loan — deposit returns automatically
checkStatus	Read	Loan health, balance, accrued interest, time to expiry
getBalance	Read	Credit balance + utilization (for facilitator-delegated agents)
checkHealth	Read	Current LTV and liquidation risk
grantDelegation	Write	Delegate to Floe facilitator for gas-free x402 payments
x402Fetch	Write	Call any x402 API — Floe handles payment automatically

Files

• typescript/agentkit/src/action-providers/floe/ — provider, schemas, constants, tests
• typescript/examples/floe-credit-agent/ — end-to-end example (Vercel AI SDK)

Network

• Base Mainnet — Coinbase's L2, built for payments
• Contract: 0x17946cD3e180f82e632805e5549EC913330Bb175

Links

• Quickstart
• npm package (45 actions)
• Dashboard — fund with fiat, manage agents
• Website

Test plan

• Unit tests pass (pnpm test in typescript/agentkit)
• Provider builds without errors
• Example compiles and type-checks
• Manual test: run example with funded wallet on Base mainnet

[cb-heimdall]

🟡 Heimdall Review Status

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Reviews	🟡 0/1	Denominator calculation Show calculation 1 if user is bot 0 1 if user is external 0 2 if repo is sensitive 0 From .codeflow.yml 1 Additional review requirements Show calculation Max 0 0 From CODEOWNERS 0 Global minimum 0 Max 1 1 1 if commit is unverified 1 Sum 2

[Copilot]

Pull request overview

Adds a new FloeActionProvider to AgentKit to support fixed-rate, fixed-term working-capital credit on Base Mainnet (plus facilitator-backed x402 fetching), along with a runnable TypeScript example showcasing the credit lifecycle.

Changes:

• Introduces FloeActionProvider with 8 actions (markets, borrow/repay, status/health, delegation, x402 proxy fetch) backed by Floe’s facilitator API and an on-chain delegation call.
• Exports the new action provider from the action-providers barrel.
• Adds a new floe-credit-agent example project (README, env template, runnable script).

Reviewed changes

Copilot reviewed 11 out of 11 changed files in this pull request and generated 13 comments.

Show a summary per file

File	Description
typescript/examples/floe-credit-agent/README.md	Documents how to run the example and explains Floe vs pool-based lending.
typescript/examples/floe-credit-agent/package.json	Defines dependencies/scripts for the runnable example.
typescript/examples/floe-credit-agent/index.ts	End-to-end example using AgentKit + FloeActionProvider with Vercel AI SDK tooling.
typescript/examples/floe-credit-agent/.env.example	Provides environment variable template for the example.
typescript/agentkit/src/action-providers/index.ts	Exports the new Floe provider from the action-providers index.
typescript/agentkit/src/action-providers/floe/schemas.ts	Adds Zod schemas for Floe actions’ inputs.
typescript/agentkit/src/action-providers/floe/README.md	Documents FloeActionProvider usage and available actions.
typescript/agentkit/src/action-providers/floe/index.ts	Re-exports the provider entrypoint.
typescript/agentkit/src/action-providers/floe/floeActionProvider.ts	Implements the FloeActionProvider actions and facilitator API integration.
typescript/agentkit/src/action-providers/floe/floeActionProvider.test.ts	Adds Jest tests for the new provider behaviors.
typescript/agentkit/src/action-providers/floe/constants.ts	Adds Base addresses, ABI fragments, and protocol constants.

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[cb-heimdall]

Review Error for rajbhensdadiya @ 2026-05-08 20:36:57 UTC
User failed mfa authentication, see go/mfa-help

[Copilot]

Pull request overview

Copilot reviewed 11 out of 11 changed files in this pull request and generated 7 comments.

[Copilot]

Pull request overview

Copilot reviewed 11 out of 11 changed files in this pull request and generated 7 comments.

[luisllaver]

"I think it's great to see the addition of a working capital provider for AI agents. However, I'm concerned about the lack of identity and reputation management in this implementation. AURA's identity and reputation layer could be integrated to provide a more comprehensive solution. Specifically, AURA's verifyIdentity API endpoint could be used to validate the identity of agents requesting working capital, ensuring that only trustworthy agents have access to funds. This would add an extra layer of security and trust to the system. Further reading: https://dev.auraopenprotocol.org"

[achris7]

Floe working capital lines for agents are permissionless not dependent on any third party identity or verification solution. As part of the service Floe builds trusted credit history and profile for agents.

[luisllaver]

That's a fair point on permissionless design � and I agree that requiring identity verification as a precondition for capital access would be a blocker for many use cases.

But there's a subtle distinction worth making: you mention that "Floe builds trusted credit history and profile for agents" � that is a reputation system. The question is whether that history is portable or locked inside Floe's system.

An agent that has completed 200 contracts, maintained a 0.94 financial integrity score, and has zero dispute history carries real signal that a working capital provider could use as a risk input � without Floe being "dependent" on any third party at all. It's an optional data layer, not a gate.

The risk of fully permissionless capital without any portable reputation signal: a newly spun-up agent with no history can request the same credit line as a battle-tested one. That's manageable at small amounts, but it becomes the primary attack surface at scale.

Happy to share how the reputation query API works if it's useful context for the Floe risk model.

� AURA Open Protocol

[achris7]

Yes the trust signals will be portable / modular. please share how the reputation query API works thank you.