akahu-personal

name	akahu-personal
description	Query personal transactional bank-account data — account lists, balances, settled/pending transactions, account-specific transaction history, and private JSON/CSV exports — from Akahu, a New Zealand open-banking provider. Use when the task involves personal bank data exports, NZ account balances, transaction analysis, cashflow/spending categorisation, or inspecting authenticated Personal App banking data. Requires user-provided AKAHU_APP_TOKEN and AKAHU_USER_TOKEN; never smoke-test against real personal data in CI.
license	MIT
compatibility	Requires Python 3.10+ and network access for live data
metadata	{"thecolab.category":"finance","thecolab.source_owner":"Akahu","thecolab.source_type":"official","thecolab.auth":"personal-token","thecolab.access_mode":"authenticated-personal","thecolab.data_class":"personal","thecolab.writes":"true","thecolab.browser":"false","thecolab.risk":"high","thecolab.cache_ttl":"none","thecolab.schema_version":"1","thecolab.skill_type":"authenticated-personal","thecolab.pack":"nz-personal-data","thecolab.source_url":"https://api.akahu.io/v1","thecolab.allowed_domains":"api.akahu.io","thecolab.last_verified":"2026-07-19","thecolab.health":"gated","thecolab.maintainer":"@adam91holt","thecolab.mutations":"authenticated-api-post,authenticated-api-put,authenticated-api-patch,authenticated-api-delete,local-private-export","thecolab.local_output":"private-json-csv-export"}

Akahu Personal App

Goal

Fetch a user's own Akahu Personal App data through a small deterministic CLI, without committing tokens or financial exports.

Use this when

• The user has created an Akahu Personal App and supplied tokens out-of-band
• A task needs Akahu /me, account balances, account metadata, or recent transactions
• A workflow needs settled or pending transaction samples for analysis
• A workflow needs a local JSON/CSV export of personal NZ banking data

Privacy and safety

• Requires both AKAHU_APP_TOKEN and AKAHU_USER_TOKEN in the environment.
• Treat output as personal financial data. Save only to private paths and do not paste raw exports into issues, PRs, logs, or shared chats.
• Account numbers are redacted by default. Pass --raw-account-numbers only in a private environment.
• CI smoke tests intentionally skip live API calls because this skill requires personal credentials and personal banking data.

CLI

export AKAHU_APP_TOKEN='app_token_...'
export AKAHU_USER_TOKEN='user_token_...'

python3 skills/akahu-personal/scripts/cli.py me --json
python3 skills/akahu-personal/scripts/cli.py accounts --json
python3 skills/akahu-personal/scripts/cli.py transactions --limit 20 --json
python3 skills/akahu-personal/scripts/cli.py endpoint /accounts/<account_id>/transactions/pending --json
python3 skills/akahu-personal/scripts/cli.py export --out-dir /private/akahu-export

Commands:

• me [--json] - call /v1/me
• accounts [--json] [--raw-account-numbers] - list accounts and balances
• transactions [--limit N] [--start ISO] [--end ISO] [--json] [--raw-account-numbers] - recent settled transactions
• endpoint PATH [--method METHOD] [--param key=value] [--data-json JSON] [--data-file FILE] - advanced escape hatch for documented Akahu paths if the Personal App token has permission; non-GET methods require --i-understand-this-can-mutate
• export --out-dir DIR [--limit N] [--raw-account-numbers] - write private JSON exports with 0600 file permissions

Resources

• CLI: scripts/cli.py
• Smoke test: scripts/smoke_test.py (intentional skip)
• API notes: references/api-notes.md