A powerful integration for AI agents to securely access German open banking data and initiate payments via FinAPI.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install finapi
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 finapi 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 FinAPI?
FinAPI is a premier German open banking platform that empowers developers to access customer bank account data and initiate payments through secure APIs. By utilizing this integration within the Openclaw Skills ecosystem, developers can seamlessly build AI-driven solutions for account aggregation, transaction monitoring, and KYC/AML compliance.
This skill leverages the Membrane framework to manage the complexities of financial data connectivity. It eliminates the friction of manual authentication by handling credential refreshes and secure handshakes automatically, allowing your AI agent to interact with banking records as a native capability.
FinAPI Use Cases
- Automating bank account aggregation for financial dashboards.
- Initiating and tracking SEPA payments via AI agent commands.
- Conducting automated KYC and AML compliance checks using real-time banking data.
- Synchronizing transaction histories with accounting software or ERP systems.
- Generating financial reports based on categorized bank transaction data.
How FinAPI Works
- Installation: The Membrane CLI is installed to provide the underlying communication layer for the skill.
- Authentication: The agent performs a secure login via a tenant-based system, supporting both interactive and headless environments.
- Connection Establishment: A connection to the FinAPI domain is ensured, triggering a browser-based OAuth flow for the user if necessary.
- Action Discovery: The agent uses natural language intent to search for specific FinAPI actions, such as fetching transactions or creating a payment.
- Execution: The agent runs the selected action with JSON parameters, or uses the proxy request feature for custom API endpoint access with automatic header injection.
FinAPI Setup
To get started with this skill, install the Membrane CLI and authenticate your environment:
# Install the CLI
npm install -g @membranehq/cli@latest
# Login and specify your agent type (e.g., openclaw)
membrane login --tenant --clientName=openclaw
# Ensure a connection to FinAPI
membrane connection ensure "https://www.finapi.io/en/" --json
FinAPI Data Schema & Taxonomy
The FinAPI skill organizes data around core banking entities. Responses are typically returned in JSON format for easy parsing by AI agents.
| Entity | Description |
|---|---|
| Account | Details regarding the bank account (IBAN, balance, type). |
| Transaction | Individual credit or debit entries with descriptions and amounts. |
| Bank Connection | The secure link between the user's bank and the application. |
| Payment | Status and metadata for initiated money transfers. |
| Category | Classification labels for transactions (e.g., groceries, rent). |
FinAPI Advanced Features
- Automated Credential Refresh: Transparently handles expired tokens without interrupting agent workflows.
- Natural Language Action Search: Find the right API call by describing your goal rather than memorizing endpoints.
- Direct API Proxying: Send raw requests to any FinAPI endpoint with automatic authentication injection using
membrane request. - Long-polling Status Checks: Use the
--waitflag to handle asynchronous connection building and synchronization processes. - Headless Mode Support: Facilitates authentication in remote or CLI-only environments through manual code verification.
SKILL.md
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