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money

Bank accounts, balances, and transactions via Plaid. Use when: bank, balance, transactions, spending, accounts, or plaid.

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SKILL.md (original)

Review the instructions the agent will receive before you install.

Money

When to use

Account balances, transaction history, and spending analysis across the user's bank accounts.

Setup

Requires Plaid API credentials. Fail loud when they are missing:

PLAID_CLIENT_ID=... PLAID_SECRET=...  # sandbox keys first, production only when asked

The Link flow opens in the user's browser — the user completes it, the agent drives everything after token exchange. Start in sandbox; touch production only with explicit approval.

Workflow

  1. Exchange the public token once: POST /item/public_token/exchange.
  2. Balances: POST /accounts/balance. History: POST /transactions/sync with its cursor, paging until has_more is false.
  3. Report with dates, merchant names, and amounts; call out pending vs posted.
  4. Spending analysis aggregates by category or merchant on request.

Non-goals

  • Do not move money, pay bills, or initiate transfers. Read-only, always.
  • Do not store account or routing numbers beyond the session need.
  • Do not paste secrets into chat, logs, or files.

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