Connect your AI agents to real-time financial data, including bank balances, transactions, and investments via the Pane MCP server.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install pane
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 pane 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 Pane MCP?
Pane MCP is a robust integration designed for the Model Context Protocol (MCP) that enables AI agents to interact with personal financial data through the Pane platform. By utilizing the mcporter tool, this skill allows developers to build sophisticated agents capable of analyzing spending habits, auditing subscriptions, and tracking net worth across bank accounts, credit cards, and crypto holdings.
This skill bridges the gap between AI reasoning and financial reality, providing a secure way to feed verified data into your workflows. As part of the broader ecosystem of Openclaw Skills, Pane MCP emphasizes privacy and control, ensuring that financial data is accessed only within user-defined scopes while maintaining persistent context through advanced annotation features.
Pane MCP Use Cases
- Automating monthly spending audits and category-based financial reporting.
- Building AI-driven financial advisors that track net worth across cash, credit, and investments.
- Auditing recurring subscriptions and identifying hidden bills or income streams.
- Searching transaction history using natural language queries to find specific merchants or date ranges.
- Creating persistent, context-aware notes on transactions that an AI can remember in future sessions.
How Pane MCP Works
- The AI agent connects to the hosted Pane MCP server using mcporter and a secure PANE_API_KEY.
- The skill invokes read-only tools like get_accounts or get_transactions to fetch live data via Plaid integrations.
- The server automatically applies privacy scopes to redact or hide sensitive information based on user preferences.
- The agent can write persistent annotations to the Pane server to store context about specific merchants or accounts.
- Structured JSON data is returned to the agent, allowing for precise financial analysis and summary generation.
Pane MCP Setup
To integrate this with your Openclaw Skills, you must have a Pane account and an API key.
# Add your API key to your environment variables
export PANE_API_KEY="pane_sk_live_..."
# Add Pane as an MCP server via mcporter
mcporter config add pane --url https://mcp.pane.money --header "Authorization: Bearer $PANE_API_KEY"
# Verify the connection
mcporter list pane --schema
Pane MCP Data Schema & Taxonomy
The skill organizes data into several logical entities to facilitate easy AI processing:
| Entity | Data Provided | Description |
|---|---|---|
| Accounts | balances, types, UUIDs | Overview of checking, savings, and credit accounts. |
| Transactions | amount, merchant, category | Detailed line items with Plaid-standardized categories. |
| Summaries | net_worth, total_debt | Aggregated financial health metrics. |
| Annotations | content, scope, target_id | Persistent metadata attached to financial records. |
| Resources | pane://profile, pane://insights | High-level text summaries and unusual spending warnings. |
Pane MCP Advanced Features
- Automatic privacy scope enforcement (full, redacted, balances_only, or hidden) per account.
- Cross-chain crypto tracking for both on-chain wallets and exchange-hosted accounts.
- Intelligent frequency conversion for recurring payments (e.g., converting biweekly income to monthly totals).
- Real-time balance refreshes that trigger live updates from financial institutions.
- Scope-based annotations allowing the AI to save notes at the profile, merchant, account, or transaction level.
SKILL.md
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