Bank Skills

Traditional banking via Wise API + on-chain token swaps on Base

Install

openclaw skills install @singularityhacker/bank-skills

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)

Bank Skills

Install

Bank Skill

Purpose

Prerequisites

Operations

Banking Operations (Wise API)

1. Check Balance

2. Get Receive Details

3. Send Money

Token Operations (Base Network)

4. Create Wallet

5. Get Wallet

6. Set Target Token

7. Get Sweep Config

8. Get Token Balance

9. Buy Token

10. Send Token

11. Export Private Key

Failure Modes

When to Use

When Not to Use

Technical Details

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