A full AI Chief Financial Officer that integrates banking and payment data into real-time business intelligence and automated reporting.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install ai-cfo
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install ai-cfo using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is AI CFO?
The AI CFO is a sophisticated financial automation layer designed for modern businesses using Openclaw Skills. By bridging Mercury Banking and Stripe data via OpenRouter's AI capabilities, this skill transforms raw financial logs into high-level actionable insights. It provides a granular view of company health, from daily cash positions to deep-dive P&L statements, ensuring founders never miss a burn rate alert or revenue trend.
Built specifically as part of the AgxntSix Skill Suite, this tool acts as a dedicated virtual financial analyst. It automates the tedious task of expense categorization and executive reporting, allowing leadership to focus on strategic growth while the AI handles the complex calculations of runway, monthly recurring revenue (MRR), and cash flow forecasting.
AI CFO Use Cases
- Real-time monitoring of daily cash positions and multi-account bank balances.
- Automated categorization of bank and Stripe transactions using LLMs to identify tax-deductible expenses.
- Generating weekly or monthly executive financial reports for stakeholders and investors.
- Forecasting 30/60/90 day cash flow scenarios to manage operational runway.
- Tracking budget allocations and receiving proactive alerts for potential overspending in specific categories.
How AI CFO Works
- Connects to the Mercury Banking API to fetch real-time transaction and balance data securely.
- Pulls subscription, invoice, and revenue data directly from the Stripe API.
- Processes raw transaction descriptions through OpenRouter to intelligently categorize expenses and identify financial trends.
- Stores processed financial data and historical snapshots in a local SQLite database for persistent tracking.
- Generates visual dashboards, P&L statements, and forecasts via CLI commands or automated cron jobs.
AI CFO Setup
To deploy the AI CFO skill, ensure you have your API credentials ready and follow these installation steps:
# Set required environment variables in your shell or .env file
export MERCURY_API_TOKEN='your_mercury_token'
export STRIPE_API_KEY='your_stripe_restricted_key'
export OPENROUTER_API_KEY='your_openrouter_key'
# Run the financial dashboard to verify the connection
python3 scripts/ai_cfo.py dashboard
# Generate your first P&L statement
python3 scripts/ai_cfo.py pnl --start 2026-01-01 --end 2026-01-31
AI CFO Data Schema & Taxonomy
The skill maintains a structured local persistence layer for fast querying and historical tracking. Data is organized within .data/sqlite/cfo.db with the following taxonomy:
| Data Component | Description |
|---|---|
| Transactions | Stores AI-categorized bank and payment records from Mercury and Stripe. |
| Budgets | Tracks category-wise budget allocations and spending limits. |
| Snapshots | Daily records of cash positions, bank balances, and total liquidity. |
| P&L Snapshots | Monthly archives of Profit & Loss statements for historical comparison. |
AI CFO Advanced Features
- Daily Executive Briefing: Schedule the
cfo_cron.pyscript via cron to receive a summarized financial brief every morning at 8 AM. - AI Anomaly Detection: Automatically flags unusual expense patterns or sudden spikes in burn rate that deviate from historical norms.
- Burn Rate & Runway Calculation: Real-time analysis of how long current cash reserves will last based on average monthly spend.
- Aging Invoice Tracking: Monitor outstanding Stripe invoices and track collection delays to improve accounts receivable management.
- Openclaw Skills Ecosystem: Fully compatible with other Openclaw Skills for cross-functional agent automation.
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