Build with Credio

import { CredioClient } from "credio-sdk"

const credio = new CredioClient({
  baseUrl: "https://credio.cc",
  facilitator: "payai", // "x402" | "payai" | "octonet"
})

// 1. Your agent hits an x402 service and gets 402 Payment Required.
//    Try your own wallet first; fall back to Credio when empty.
const balance = await getUsdcBalance(WALLET)

if (balance >= paymentReq.amount) {
  await payDirectly(paymentReq)
} else {
  const res = await credio.payWithCredit({
    agentWalletAddress: WALLET,
    amount: paymentReq.amount,        // e.g. 0.01
    recipient: paymentReq.payTo,      // service wallet
    agentMetadata: { agentName: "My Agent", service: "api.example.com" },
  })

  if (res.success) {
    console.log("Paid via Credio credit:", res.transactionSignature)
    console.log("Debt:", res.agentStatus.currentUsdcDebt, "USDC")
  }
}

// When your agent earns USDC, repay to unlock more credit.
// 1. Check your debt + treasury address
const { debt, treasuryAddress } = await credio.checkDebt(WALLET)

// 2. Send USDC to treasuryAddress from your own wallet (you sign it).
const txSignature = await sendUsdcToTreasury(treasuryAddress, debt)

// 3. Report it, Credio verifies the transfer on-chain before clearing debt.
const result = await credio.repay(WALLET, txSignature)
console.log(result) // { success: true, clearedUsdc, remainingDebt }