pane-mcp

What This Skill Does

The pane-mcp skill integrates your OpenClaw agent directly with your financial life via Pane, a hosted Model Context Protocol (MCP) server powered by Plaid. This skill allows your AI to perform secure, read-only queries on your bank accounts, credit cards, investment portfolios, and crypto holdings. By connecting your financial accounts, you move beyond simple budgeting spreadsheets; you gain an agent capable of summarizing your spending, tracking recurring subscriptions, and providing real-time net worth snapshots. It effectively turns your financial data into an actionable knowledge base for your AI assistant.

Installation

To get started, first ensure you have a Pane account and an API key from pane.money/dashboard/connect. Store your key securely by adding export PANE_API_KEY="your_key_here" to your shell configuration profile. Once the variable is set, run the following commands in your terminal:

1. mcporter config add pane --url https://mcp.pane.money --header "Authorization: Bearer $PANE_API_KEY"
2. clawhub install openclaw/skills/skills/darnfish/pane

After installation, run mcporter list pane --schema to verify your connection is healthy and the agent can see your financial endpoints.

Use Cases

This skill is perfect for users who want to reconcile their spending habits without opening multiple banking apps. You can use it to audit your monthly subscription costs, generate tax-ready summaries of spending by category, or quickly verify that your latest paycheck has hit your account. It is particularly powerful for those who manage complex investment portfolios, as the agent can pull current holdings and portfolio values in seconds.

Example Prompts

1. "Look at my spending from last month and tell me which merchant I gave the most money to."
2. "Do I have any subscriptions that are recurring on a monthly basis? List them out with the total cost."
3. "What is my current total net worth, including my crypto holdings and my checking account balance?"

Tips & Limitations

The get_balances tool triggers a live refresh with Plaid, which is excellent for accuracy but can take a few seconds to complete. The investment data returned by get_investments is cached for 15 minutes to minimize load; if you are making rapid trades, keep this latency in mind. Note that all financial data is retrieved as read-only; the agent cannot initiate transfers or payments, ensuring a high degree of safety regarding your assets.