Affirm

v1.0.0

Affirm offers transparent buy-now-pay-later installment plans with no hidden fees, serving over 17 million consumers and partnering with Amazon, Shopify, and...

⭐ 0· 68·1 current·1 all-time

by@hanxueyuan

OpenClaw Prompt Flow

Install with OpenClaw

Best for remote or guided setup. Copy the exact prompt, then paste it into OpenClaw for hanxueyuan/affirm.

Previewing Install & Setup.

Prompt PreviewInstall & Setup

Install the skill "Affirm" (hanxueyuan/affirm) from ClawHub.
Skill page: https://clawhub.ai/hanxueyuan/affirm
Keep the work scoped to this skill only.
After install, inspect the skill metadata and help me finish setup.
Use only the metadata you can verify from ClawHub; do not invent missing requirements.
Ask before making any broader environment changes.

Command Line

CLI Commands

Use the direct CLI path if you want to install manually and keep every step visible.

OpenClaw CLI

Bare skill slug

openclaw skills install affirm

ClawHub CLI

Package manager switcher

npx clawhub@latest install affirm

Security Scan

Capability signals

CryptoCan make purchases

These labels describe what authority the skill may exercise. They are separate from suspicious or malicious moderation verdicts.

VirusTotal

Benign

View report →

OpenClaw

Benign

high confidence

✓

Purpose & Capability

The skill claims to provide background/research material on Affirm/BNPL and contains only static explanatory text. It does not request binaries, environment variables, or OS access that would be inappropriate for that purpose.

ℹ

Instruction Scope

The SKILL.md files are purely descriptive and the 'read_when' hints indicate the content is for research context only. Minor issue: two SKILL.md files contain overlapping but slightly inconsistent figures (e.g., revenue, active users, GMV), which may cause conflicting outputs or confusion but is not a security problem.

✓

Install Mechanism

No install spec and no code files are present. Nothing will be downloaded or executed on the host during installation.

✓

Credentials

The skill requests no environment variables, credentials, or configuration paths — consistent with an informational skill that does not integrate with external services.

✓

Persistence & Privilege

The skill is not marked always:true and does not request special system privileges. Model invocation is permitted (the platform default), which is appropriate for a user-invocable informational skill.

Assessment

This skill is a static, read-only summary about Affirm and appears coherent for that purpose. It does not access your files, credentials, or network. Before installing, note that the source and homepage are unknown — the content may be outdated or contain inconsistent figures across files. If you need an actionable integration (e.g., querying Affirm APIs, processing transactions), prefer an explicit skill that documents required credentials, official endpoints, and an install mechanism. Otherwise this skill is low-risk but limited to informational use.

Like a lobster shell, security has layers — review code before you run it.

latestvk9753dmyfsm1kbqvhk8j34hfrn85fr0h

68downloads

0stars

1versions

Updated 3d ago

v1.0.0

MIT-0

Affirm

概要

Affirm是"先买后付"(BNPL)模式的美国领导者，提供透明、无隐藏费用的分期支付解决方案。2021年上市后迅速扩张，与Amazon、Shopify、Walmart等建立深度合作伙伴关系，2024年营收超过$20亿。

历史时间线

2012年: Max Levchin（PayPal联合创始人）在硅谷创立Affirm
2014年: 正式上线，首批合作商家包括Warby Parker等DTC品牌
2018年: 与Amazon建立合作伙伴关系
2021年: 纳斯达克上市（股票代码AFRM），首日市值超$300亿
2022年: 推出Affirm Card（借记卡产品）
2023年: 与Shopify深度整合，覆盖百万商家
2024年: 年营收突破$20亿，活跃消费者超1700万

商业模式

核心产品: 分期付款（3-36个月）给消费者，商家支付交易费用
收入来源: 商家手续费（占收入60%+）+ 消费者利息（透明APR）
商户网络: 与Amazon、Shopify、Walmart、Peloton等深度合作
Affirm Card: 借记卡形式的消费账户，拓展使用场景

护城河分析

商户网络: 与全球顶级电商平台的深度整合
风控技术: 自研实时信用决策引擎，无传统信用评分依赖
品牌信任: "无隐藏费用"的透明定价策略赢得消费者信任
数据优势: 数百万笔交易数据驱动的信用模型
合规框架: 美国BNPL行业最成熟的监管合规体系

关键数据

年营收: $20亿+ (2024)
活跃消费者: 1,700万+
上市: NASDAQ (AFRM)
商户合作: Amazon, Shopify, Walmart等
累计处理交易额: $150亿+

有趣事实

创始人Max Levchin是PayPal的联合创始人之一，被称为"PayPal黑手党"核心成员
Affirm坚持不收取滞纳金和复利，这在BNPL行业是罕见的透明承诺

Comments

Loading comments...