Bank Skills

A skill pack that gives AI agents banking capabilities via the Wise API. Agents can check balances, send money, and share account and routing details for receiving payments—all through a standard skill package (SKILL.md + run.sh) compatible with CLI and MCP.

Features

• Check balances — Query Wise multi-currency balances for the configured profile
• Send money — Initiate transfers (quote → recipient → transfer → fund flow)
• Share receive details — Retrieve account number, routing number, IBAN, and related info so agents can share them for inbound payments

Prerequisites

1. A Wise personal account
2. A Wise business account (required for API access)
3. API token generated from Settings → API tokens (2FA required)

Setup

Configure credentials via environment variables:

| Variable | Required | Description | |----------|----------|-------------| | WISE_API_TOKEN | Yes | Personal API token from Wise dashboard | | WISE_PROFILE_ID | No | Profile ID (defaults to first available) |

The skill reads credentials from the environment at runtime. Do not store tokens in config files that other skills might access.

Security & API Key Management

How API Keys Are Stored

This skill follows the standard convention used across the skills ecosystem: API keys are never stored in the skill code. Instead, they're read from environment variables at runtime.

Storage varies by deployment method:

| Method | Storage Location | Security | |--------|-----------------|----------| | Claude Desktop (.mcpb) | OS credential manager (Keychain/Windows Credential Manager) | ✅ Encrypted, secure | | CLI / Direct Usage | Shell environment (export WISE_API_TOKEN='...') | ⚠️ User-managed | | OpenClaw/ClawdBot | ~/.openclaw/openclaw.json under skills.entries.bank-skill.env | ⚠️ File permissions | | MCP Server | Shell environment | ⚠️ User-managed |

The skill's responsibility:

• ✅ Read from WISE_API_TOKEN environment variable
• ✅ Fail gracefully with clear error if missing
• ✅ Never log or expose the token value
• ✅ Declare requirements in SKILL.md metadata

Your responsibility:

• Set the environment variable before running
• Keep your API token secure
• Don't commit tokens to version control

Wise API Security Features

Wise provides additional security controls for API tokens:

• IP Address Whitelisting — Restrict API token usage to specific IP addresses in your Wise dashboard (Settings → API Tokens). This prevents unauthorized access even if your token is compromised.
• 2FA Required — Token generation requires two-factor authentication
• Token Scopes — Business accounts can create tokens with limited permissions
• Token Rotation — Generate new tokens and revoke old ones at any time

Recommended: Enable IP whitelisting for production use to limit token usage to your server/workstation IP addresses.

Surfaces

• MCP Desktop Extension — .mcpb bundle for Claude Desktop (double-click install)
• Skill package — SKILL.md + run.sh for agent discovery and invocation
• CLI — Terminal commands for testing and scripting
• MCP Server — Standalone server for MCP-compatible frameworks

Quick Start

For Claude Desktop Users (MCP Extension)

Requirements:

• Claude Desktop 1.1+ with UV runtime support
• Wise Business Account with API access
• macOS, Windows, or Linux (no manual setup needed)

Installation:

1. Download dist/bank-skills-0.1.0.mcpb (110KB)
2. Install - Double-click the file OR Settings → Extensions → Install Extension
3. Configure - Enter your Wise API token in the settings UI (stored securely in Keychain)
4. Restart Claude Desktop
5. Test - Ask Claude: "Check my Wise balance"

Getting Your API Token:

1. Log in to your Wise Business Account
2. Go to Settings → API Tokens
3. Create a new token (requires 2FA)
4. Copy and paste into Claude Desktop extension settings

Available Tools:

• check_balance - Query Wise balances
• get_receive_details - Get account/routing details for receiving payments
• send_money - Initiate transfers

Test Prompts:

"Check my Wise balance"
"What are my USD account details for receiving money?"
"Send $10 to John Smith at account 123456789, routing 111000025..."

Troubleshooting:

• If tools don't appear: restart Claude Desktop completely
• If you get "not configured" error: verify API token is set in Settings → Extensions
• For transfer errors: ensure you provide all required fields (routing number, address, etc. for USD)

For Developers / CLI Users

# Install dependencies
uv sync

# Set your API token
export WISE_API_TOKEN='your-api-key-here'

# Check balances
uv run python -m bankskills.cli.bank.main balance

# Get receive details (account/routing info)
uv run python -m bankskills.cli.bank.main receive-details

# Send money (USD ACH example)
uv run python -m bankskills.cli.bank.main send \
  --source-currency USD --target-currency USD \
  --amount 10.00 \
  --recipient-name "John Smith" \
  --recipient-account "123456789" \
  --recipient-routing-number "111000025" \
  --recipient-country US \
  --recipient-address "123 Main St" \
  --recipient-city "New York" \
  --recipient-state NY \
  --recipient-post-code "10001"

CLI Usage

Check Balances

# All currencies
uv run python -m bankskills.cli.bank.main balance

# JSON output
uv run python -m bankskills.cli.bank.main balance --json

# Filter by currency
uv run python -m bankskills.cli.bank.main balance --currency USD

Get Receive Details

# All currencies
uv run python -m bankskills.cli.bank.main receive-details

# Filter by currency
uv run python -m bankskills.cli.bank.main receive-details --currency USD --json

Send Money

USD ACH Transfer:

uv run python -m bankskills.cli.bank.main send \
  --source-currency USD --target-currency USD \
  --amount 10.00 \
  --recipient-name "Recipient Name" \
  --recipient-account "123456789" \
  --recipient-routing-number "111000025" \
  --recipient-country US \
  --recipient-address "123 Main St" \
  --recipient-city "New York" \
  --recipient-state NY \
  --recipient-post-code "10001" \
  --recipient-account-type CHECKING

EUR IBAN Transfer:

uv run python -m bankskills.cli.bank.main send \
  --source-currency USD --target-currency EUR \
  --amount 10.00 \
  --recipient-name "Recipient Name" \
  --recipient-account "DE89370400440532013000"

Skill Package Usage

The skill can be invoked via run.sh with JSON input:

# Balance
echo '{"action": "balance"}' | skills/bank-skill/run.sh

# Receive details
echo '{"action": "receive-details", "currency": "USD"}' | skills/bank-skill/run.sh

# Send money
echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "USD",
  "amount": 10.0,
  "recipientName": "Recipient Name",
  "recipientAccount": "123456789",
  "recipientRoutingNumber": "111000025",
  "recipientCountry": "US",
  "recipientAddress": "123 Main St",
  "recipientCity": "New York",
  "recipientState": "NY",
  "recipientPostCode": "10001"
}' | skills/bank-skill/run.sh

MCP Server

Start the MCP server:

export WISE_API_TOKEN='your-api-key-here'
uv run python -m bankskills.mcp.server

Available tools:

• check_balance — Query Wise balances
• get_receive_details — Get account/routing details
• send_money — Initiate transfers

Running Tests

uv run pytest tests/ -v

Development

The project structure:

bank-skills/
├── src/bankskills/           # Core implementation
│   ├── cli/bank/             # CLI commands
│   ├── core/bank/            # Wise API client & operations
│   ├── mcp/                  # MCP server
│   └── runtime/              # Skill runner
├── skills/bank-skill/        # Packaged skill
│   ├── SKILL.md              # Skill documentation
│   └── run.sh                # Skill entry point
├── tests/                    # Test suite
└── publish/                  # Build/bundle scripts

Disclaimer

Banking is heavily regulated and requires KYC. You must create a business bank account and assume full liability. This project is for R&D and exploration only.

• Use at your own risk
• Do not use a personal bank account
• Do not connect an agent to an account holding significant funds
• Wise restricts crypto use; avoid crypto on/off-ramps
• Automation may conflict with Wise's terms of service—review before use