A secure interface for AI agents to interact with German bank accounts via the FinTS standard using the fints-agent-cli.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install fints-banking
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 fints-banking 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 FinTS Banking Agent?
This skill empowers AI agents to perform personal banking tasks within the German financial ecosystem. By leveraging the FinTS (Financial Transaction Services) standard, it provides a robust bridge between automated workflows and traditional banking infrastructure. It emphasizes security through system keychain integration for credential storage and strict human-in-the-loop protocols for any movement of funds.
Utilizing Openclaw Skills for banking ensures that developers can build financial automation that is both powerful and compliant with safety best practices. The skill handles the complexities of bank provider discovery, multi-factor authentication flows, and transaction parsing, presenting a clean, structured interface for agent-driven financial management. It is specifically designed to prevent unauthorized transfers by requiring explicit manual approval strings for every transaction.
FinTS Banking Agent Use Cases
- Automated checking of account balances and multi-account transaction history.
- Reconciling business expenses or personal budgets by fetching transaction data in structured JSON format.
- Initiating secure financial transfers with mandatory dry-run verification and human approval gates.
- Monitoring for specific incoming payments or verifying counterparty IBANs for financial record keeping.
How FinTS Banking Agent Works
- The agent identifies the correct banking provider and FinTS endpoint using the provider-list command.
- A secure onboarding process is initiated to save configurations and store sensitive PINs safely in the system keychain.
- The agent retrieves account information and IBANs to establish a deterministic environment for subsequent banking operations.
- Transaction data is fetched from the bank and parsed into structured JSON rows for analysis or reporting.
- For transfers, the agent executes a dry-run first, presents the details to the user, and requires a specific approval phrase before final execution.
FinTS Banking Agent Setup
First, verify that the fints-agent-cli is available in your environment. If not, follow the prompts to install it via uv.
# Verify installation and view available subcommands
fints-agent-cli --help
# Search for your bank provider by name or bank code
fints-agent-cli providers-list --search <bank-name-or-code>
# Run the interactive onboarding process to link your account
fints-agent-cli onboard
FinTS Banking Agent Data Schema & Taxonomy
The skill organizes data primarily through the FinTS protocol and presents information in structured formats.
| Entity | Data Fields |
|---|---|
| Accounts | IBAN, Current Balance, Currency |
| Transactions | Booking Date, Amount, Counterparty Name, Counterparty IBAN, Purpose/Reference |
| Transfers | Source IBAN, Destination IBAN, Recipient Name, Amount, Reference, Instant Status |
| Security | Credentials stored in System Keychain; no plain-text PIN exposure in logs or CLI arguments. |
FinTS Banking Agent Advanced Features
- Support for both synchronous and asynchronous (submit and poll) transfer modes.
- Deterministic IBAN targeting to ensure actions are performed on the correct account in multi-account setups.
- Integrated recovery playbook for bootstrapping and local state resets if synchronization issues occur.
- Granular debug modes for diagnosing complex FinTS communication or authentication challenges.
- Native system keychain support to prevent sensitive credentials from being stored in plain text files.
SKILL.md
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