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• OpenClaw ：可疑

OpenClaw 评估

The skill largely matches its stated features (Wise banking + on‑chain Base token operations) but contains persistent wallet management and private‑key export capabilities, lacks an explicit install spec for heavy blockchain dependencies, and mixes banking with on‑chain tooling in ways the user should explicitly approve before installing.

安装（复制给龙虾 AI）

将下方整段复制到龙虾中文库对话中，由龙虾按 SKILL.md 完成安装。

请把本段交给龙虾中文库（龙虾 AI）执行：为本机安装 OpenClaw 技能「Bank Skills」。简介：Traditional banking via Wise API + on-chain token swaps on Base。
请 fetch 以下地址读取 SKILL.md 并按文档完成安装：https://raw.githubusercontent.com/openclaw/skills/refs/heads/main/skills/singularityhacker/bank-skills/SKILL.md
（来源：yingzhi8.cn 技能库）

SKILL.md

打开原始 SKILL.md（GitHub raw）

---
name: bank-skill
version: 0.1.4
description: Traditional banking via Wise API + on-chain token swaps on Base
homepage: https://github.com/singularityhacker/bank-skills
metadata: {"openclaw":{"emoji":"🏦","requires":{"bins":["python"],"env":["WISE_API_TOKEN"]},"primaryEnv":"WISE_API_TOKEN","optionalEnv":["WISE_PROFILE_ID","CLAWBANK_WALLET_PASSWORD","BASE_RPC_URL"]}}
---

# Bank Skill

## Purpose

Gives AI agents **traditional banking** capabilities (via Wise API) and **on-chain token operations** (via Uniswap on Base). Agents can check balances, send money, retrieve account details, create Ethereum wallets, swap tokens, and send tokens—all through a single skill.

## Prerequisites

**For Banking (Wise API):**
- `WISE_API_TOKEN` environment variable (required)
- Optional: `WISE_PROFILE_ID` (defaults to first available profile)

**For Token Operations (Base Network):**
- Optional: `CLAWBANK_WALLET_PASSWORD` (wallet keystore password, defaults to "clawbank-default")
- Optional: `BASE_RPC_URL` (Base RPC endpoint, defaults to https://mainnet.base.org)

## Operations

### Banking Operations (Wise API)

#### 1. Check Balance

**Purpose:** Query Wise multi-currency balances for the configured profile.

**Inputs:**
- `action`: `"balance"` (required)
- `currency`: Currency code filter, e.g. `"USD"` (optional — returns all if omitted)

**Outputs:**
- JSON array of balance objects, each with `currency`, `amount`, and `reservedAmount`

**Usage:**
```bash
echo '{"action": "balance"}' | ./run.sh
echo '{"action": "balance", "currency": "USD"}' | ./run.sh
```

**Example output:**
```json
{
  "success": true,
  "balances": [
    {"currency": "USD", "amount": 1250.00, "reservedAmount": 0.00},
    {"currency": "EUR", "amount": 500.75, "reservedAmount": 10.00}
  ]
}
```

#### 2. Get Receive Details

**Purpose:** Retrieve account number, routing number, IBAN, and related info so others can send you payments.

**Inputs:**
- `action`: `"receive-details"` (required)
- `currency`: Currency code, e.g. `"USD"` (optional — returns all if omitted)

**Outputs:**
- JSON object with account holder name, account number, routing number (or IBAN/SWIFT for non-USD), and bank name

**Usage:**
```bash
echo '{"action": "receive-details"}' | ./run.sh
echo '{"action": "receive-details", "currency": "USD"}' | ./run.sh
```

**Example output:**
```json
{
  "success": true,
  "details": [
    {
      "currency": "USD",
      "accountHolder": "Your Business Name",
      "accountNumber": "1234567890",
      "routingNumber": "026073150",
      "bankName": "Community Federal Savings Bank"
    }
  ]
}
```

#### 3. Send Money

**Purpose:** Initiate a transfer from your Wise balance to a recipient.

**Inputs:**
- `action`: `"send"` (required)
- `sourceCurrency`: Source currency code, e.g. `"USD"` (required)
- `targetCurrency`: Target currency code, e.g. `"EUR"` (required)
- `amount`: Amount to send as a number (required)
- `recipientName`: Full name of the recipient (required)
- `recipientAccount`: Recipient account number or IBAN (required)

**Additional fields for USD ACH transfers:**
- `recipientRoutingNumber`: 9-digit ABA routing number (required)
- `recipientCountry`: Two-letter country code, e.g. `"US"` (required)
- `recipientAddress`: Street address (required)
- `recipientCity`: City (required)
- `recipientState`: State code, e.g. `"NY"` (required)
- `recipientPostCode`: ZIP/postal code (required)
- `recipientAccountType`: `"CHECKING"` or `"SAVINGS"` (optional, defaults to `"CHECKING"`)

**Outputs:**
- JSON object with transfer ID, status, and confirmation details

**USD ACH Transfer Example:**
```bash
echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "USD",
  "amount": 100.00,
  "recipientName": "John Smith",
  "recipientAccount": "123456789",
  "recipientRoutingNumber": "111000025",
  "recipientCountry": "US",
  "recipientAddress": "123 Main St",
  "recipientCity": "New York",
  "recipientState": "NY",
  "recipientPostCode": "10001",
  "recipientAccountType": "CHECKING"
}' | ./run.sh
```

**EUR IBAN Transfer Example (simpler):**
```bash
echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "EUR",
  "amount": 100.00,
  "recipientName": "Jane Doe",
  "recipientAccount": "DE89370400440532013000"
}' | ./run.sh
```

**Example output:**
```json
{
  "success": true,
  "transfer": {
    "id": 12345678,
    "status": "processing",
    "sourceAmount": 100.00,
    "sourceCurrency": "USD",
    "targetAmount": 93.50,
    "targetCurrency": "EUR"
  }
}
```

### Token Operations (Base Network)

#### 4. Create Wallet

**Purpose:** Generate a new Ethereum wallet for token operations on Base.

**Inputs:**
- `action`: `"create-wallet"` (required)

**Outputs:**
- Wallet address (keystore saved to `~/.clawbank/wallet.json`)

**Usage:**
```bash
echo '{"action": "create-wallet"}' | ./run.sh
```

#### 5. Get Wallet

**Purpose:** Get current wallet address and ETH balance on Base.

**Inputs:**
- `action`: `"get-wallet"` (required)

**Outputs:**
- Wallet address and ETH balance

**Usage:**
```bash
echo '{"action": "get-wallet"}' | ./run.sh
```

#### 6. Set Target Token

**Purpose:** Set the target token address for swaps.

**Inputs:**
- `action`: `"set-target-token"` (required)
- `tokenAddress`: ERC-20 contract address on Base (required)

**Usage:**
```bash
echo '{"action": "set-target-token", "tokenAddress": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913"}' | ./run.sh
```

#### 7. Get Sweep Config

**Purpose:** View current target token and swap history.

**Inputs:**
- `action`: `"get-sweep-config"` (required)

**Usage:**
```bash
echo '{"action": "get-sweep-config"}' | ./run.sh
```

#### 8. Get Token Balance

**Purpose:** Check ERC-20 token balance for the wallet.

**Inputs:**
- `action`: `"get-token-balance"` (required)
- `tokenAddress`: ERC-20 contract address (required)

**Usage:**
```bash
echo '{"action": "get-token-balance", "tokenAddress": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913"}' | ./run.sh
```

#### 9. Buy Token

**Purpose:** Swap ETH for any token on Base via Uniswap (universal V3+V4 support).

**Inputs:**
- `action`: `"buy-token"` (required)
- `amountEth`: Amount of ETH to swap (required)

**Outputs:**
- Transaction hash, amount in, amount out, status

**Usage:**
```bash
echo '{"action": "buy-token", "amountEth": 0.001}' | ./run.sh
```

**Supported tokens:** Any ERC-20 with WETH liquidity on Base (USDC, DAI, WBTC, ClawBank, etc.)

#### 10. Send Token

**Purpose:** Send ERC-20 tokens or native ETH from the wallet.

**Inputs:**
- `action`: `"send-token"` (required)
- `tokenAddress`: ERC-20 contract address, or "ETH" for native ETH (required)
- `toAddress`: Recipient wallet address (required)
- `amount`: Amount to send in token units (required)

**Usage:**
```bash
echo '{"action": "send-token", "tokenAddress": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913", "toAddress": "0x...", "amount": 5.0}' | ./run.sh
```

#### 11. Export Private Key

**Purpose:** Export wallet's private key for recovery or import.

**Inputs:**
- `action`: `"export-private-key"` (required)

**Outputs:**
- Private key (hex string) and wallet address

**Usage:**
```bash
echo '{"action": "export-private-key"}' | ./run.sh
```

## Failure Modes

**Banking Operations:**
- **Missing `WISE_API_TOKEN`:** Returns `{"success": false, "error": "WISE_API_TOKEN environment variable is not set"}`. Set the token and retry.
- **Invalid API token:** Returns `{"success": false, "error": "Authentication failed — check your WISE_API_TOKEN"}`.
- **Insufficient funds:** Returns `{"success": false, "error": "Insufficient funds in USD balance"}`. Check balance before retrying.
- **Invalid recipient details:** Returns `{"success": false, "error": "Invalid recipient account details"}`.

**Token Operations:**
- **No wallet:** Returns `{"success": false, "error": "Wallet does not exist. Call create-wallet first"}`.
- **Insufficient ETH:** Returns `{"success": false, "error": "Insufficient balance. Have X ETH, need Y + 0.001 for gas"}`.
- **No target token set:** Returns `{"success": false, "error": "No target token set. Call set-target-token first"}`.
- **No liquidity pool:** Returns `{"success": false, "error": "No liquidity pool found for [token]"}`.
- **Unknown action:** Returns `{"success": false, "error": "Unknown action: <action>"}`. See Operations section for valid actions.

## When to Use

**Banking:** Check balances, send international transfers, share account details for receiving payments

**Token Operations:** Create wallets, swap tokens on Base (any token with Uniswap liquidity), send tokens, track balances

## When Not to Use

- Do not use Wise for crypto on/off-ramps (Wise restricts crypto)
- Do not use with accounts holding significant funds (R&D only)
- Token operations require Base network access and ETH for gas

## Technical Details

**Token Swap Implementation:**
- Hybrid V3+V4 routing (tries V3 first, falls back to V4 for tokens with hooks)
- Supports any token with WETH liquidity on Base
- Automatic fee tier detection (0.05%, 0.3%, 1%)
- Gas costs: ~250k (V3) or ~450k (V4)

**Security:**
- Wallet keystore encrypted with password
- Private keys never logged or exposed
- All transactions signed locally
- No external API calls for token operations (direct blockchain interaction)