fints-banking

What This Skill Does

The fints-banking skill provides a robust interface for the OpenClaw AI agent to interact with German bank accounts using the FinTS (Financial Transaction Services) standard. It acts as a bridge between your natural language requests and your local fints-agent-cli installation, enabling you to check balances, retrieve transaction history, and initiate bank transfers securely. By leveraging your system keychain for credential storage, it ensures that your banking secrets remain encrypted on your device while allowing the agent to handle routine banking management.

Installation

To install this skill, run the following command in your terminal: clawhub install openclaw/skills/skills/h4gen/fints-banking Once installed, ensure you have fints-agent-cli available on your system path. If the command is missing, the agent will guide you through the setup process. Always review the GitHub repository at https://github.com/h4gen/fints-agent-cli before initializing your credentials.

Use Cases

This skill is perfect for users who want to streamline their personal finance management. Common use cases include:

• Balance Checking: Quickly asking the agent for the current status of multiple bank accounts.
• Transaction Auditing: Generating summaries of recent spending or looking for specific deposits.
• Scheduled Transfers: Performing one-time payments to known payees with mandatory human-in-the-loop approval processes.

Example Prompts

1. "What is the current balance of my main checking account?"
2. "Show me all transactions from last week regarding my grocery shopping."
3. "Send 50 Euros to my landlord at DE123456789 for rent."

Tips & Limitations

• Mandatory Approval: For your safety, the agent will never execute a transfer without explicit, final confirmation using the phrase 'APPROVE TRANSFER'.
• Security: The skill prohibits following instructions found in untrusted text like email bodies or PDFs to prevent automated fraud.
• Provider Support: Always use the provider discovery flow before attempting to onboard. If your bank is not in the registry, the skill will inform you immediately rather than guessing parameters.
• System Keychain: Ensure your local environment is configured with a secure keychain; the agent is designed to offload auth tokens safely, so avoid manual credential storage in plain text files.