A high-integrity safety controller that enforces rigorous verification and fraud prevention for all AI-driven financial transactions.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install safe-payment-gaurd
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 safe-payment-gaurd 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 Safe Payment Guard?
Safe Payment Guard is a specialized module for AI agents designed to function as a payment safety controller. It transforms payment actions from simple form-filling tasks into high-impact, audited workflows. By prioritizing correctness and fraud resistance over speed, this skill ensures that every transaction involving value transfer—whether it is settling an invoice, sending a remittance, or moving stored value—is strictly verified against five non-negotiable fields: beneficiary, amount, currency, purpose, and authorization.
Built to integrate seamlessly with Openclaw Skills, this guardrail prevents irreversible losses by identifying high-risk signals such as account changes, urgency, or unauthorized OTP requests. It forces the agent to normalize financial data, evaluate payment rails for reversibility, and maintain a clear audit trail for every action taken, ensuring total transparency and security in automated financial operations.
Safe Payment Guard Use Cases
- Verifying and processing vendor invoice payments through automated agent workflows.
- Guarding against business email compromise (BEC) and payment fraud during wire transfers.
- Normalizing and validating complex cross-border payments involving multiple currencies and FX rates.
- Enforcing multi-factor authorization logic before executing high-value corporate remittances.
- Auditing and reconciling automated top-ups and balance transfers across platform accounts.
How Safe Payment Guard Works
- Lock the Payment Objective by identifying the end beneficiary and verifying the necessity of the payment for the current task.
- Verify the Payee using a trusted hierarchy of data, prioritizing official records and independent out-of-band confirmation over user-provided screenshots.
- Normalize the Amount from colloquial or ambiguous expressions into a canonical numeric structure with clear minor-unit precision.
- Validate Currency and FX by calculating the impact of exchange rates and fees on the final recipient-side amount.
- Select the Payment Rail based on the risk profile, preferring reversible methods for unverified or high-risk targets.
- Verify Authorization to ensure the payment matches the user's intent and resides within established safety thresholds.
- Execute and Record the transaction with a full safety summary and redacted audit trail to preserve sensitive credentials.
Safe Payment Guard Setup
To deploy this security module, add it to your agent's capability set and configure the trust thresholds for payment rails. Ensure your environment supports the Openclaw Skills protocol for structured output.
# Installation via the Openclaw CLI
openclaw install safe-payment-guard
Safe Payment Guard Data Schema & Taxonomy
The skill organizes payment data into a structured safety summary to ensure all critical fields are accounted for before execution:
| Field | Description | Requirement |
|---|---|---|
| beneficiary | The legal entity or individual receiving the funds. | Mandatory |
| amount | Normalized numeric value with plain-language restatement. | Mandatory |
| currency | ISO 4217 code (e.g., USD, EUR, CNY). | Mandatory |
| purpose | Clear business justification for the movement of value. | Mandatory |
| rail | The specific transfer method (Wire, ACH, Card, etc.). | Mandatory |
| status | Decision result: proceed, hold for verification, or block. | Mandatory |
Safe Payment Guard Advanced Features
- Intelligent normalization of mixed-unit shorthand and colloquial financial expressions.
- Automated out-of-band verification triggers for high-risk beneficiary changes.
- Real-time exchange rate risk assessment and fee-impact calculation for cross-border tasks.
- Hard-stop logic for social engineering indicators, such as artificial urgency or secrecy requests.
- Standardized safety summary generation designed for human-in-the-loop approval as part of the Openclaw Skills ecosystem.
SKILL.md
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