plaid

What This Skill Does

The plaid skill integrates OpenClaw with the Plaid financial API via the plaid-cli tool. It provides a robust interface for securely linking financial institutions, retrieving account balances, and fetching detailed transaction history. This skill is designed to act as a bridge between your personal or business financial data and the AI agent, enabling programmatic analysis of spending patterns, monitoring of account activities, and automated reconciliation tasks without manually logging into banking portals.

Installation

To utilize this skill, first install the underlying tool via Go: go install github.com/jverdi/[email protected]

Next, configure your environment variables for authentication:

• PLAID_CLIENT_ID
• PLAID_SECRET
• PLAID_ENVIRONMENT (set to sandbox for testing or production for real data)

Optional configurations such as preferred languages or countries can be set via ~/.plaid-cli/config.toml.

Use Cases

• Spending Analysis: Aggregate transaction data over specific date ranges to categorize and visualize your financial habits using tools like jq.
• Automated Monitoring: Implement cron-based scripts to poll for new transactions and receive alerts when specific criteria are met, such as unexpected large charges.
• Financial Reporting: Pull account balances and transaction exports directly into CSV or JSON formats for seamless import into spreadsheets or custom finance dashboards.
• Multi-Institution Management: Centralize access across various banks and credit unions by creating custom aliases for accounts, making it easier to reference them in natural language commands.

Example Prompts

• "List the current balances for all my linked Chase and Amex accounts."
• "Search for transactions at Starbucks between January 1st and January 31st."
• "Check if there are any new transactions in my primary checking account from the last 24 hours."

Tips & Limitations

• Security: Never print or log your PLAID_SECRET or access tokens. The CLI handles these internally; if you need to debug, ensure you sanitize your logs.
• Data Privacy: The skill caches tokens and aliases in ~/.plaid-cli. Ensure this directory has appropriate filesystem permissions.
• Error Handling: When ITEM_LOGIN_REQUIRED errors occur, the tool expects a manual relink using the link command. Use the alias feature to keep your workflow readable as the number of linked institutions grows.