bank-skill

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:

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

Example output:

{
  "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:

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

Example output:

{
  "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:

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):

echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "EUR",
  "amount": 100.00,
  "recipientName": "Jane Doe",
  "recipientAccount": "DE89370400440532013000"
}' | ./run.sh

Example output:

{
  "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:

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:

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:

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:

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:

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:

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:

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:

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)