Banking Agent OS

v1.0.0

AI-powered banking system for intelligent agents with account management, transaction processing, and risk control

0· 357· 1 versions· 1 current· 1 all-time· Updated 6h ago· MIT-0

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Install

openclaw skills install banking-agent-os

Banking Agent OS

AI-powered banking system for intelligent agents - 智能体银行交易系统

Overview

Banking Agent OS is a comprehensive banking platform designed specifically for AI agents and intelligent systems. It provides secure account management, transaction processing, AI-powered customer service, and advanced risk control.

Perfect for building:

AI Agent Banking Systems
Marketplace Transaction Platforms
Digital Wallet Services
Automated Risk Management Systems

Key Features

1. Account Management

Multi-type accounts: Checking, Savings, Agent Wallet, Escrow
Real-time balance tracking: Instant updates and queries
Account freeze/unfreeze: Security controls
Multi-currency support: USD and more
User and agent accounts: Flexible account types

2. Transaction System

Secure fund transfers: Atomic transactions with rollback
Deposits and withdrawals: Full support
Payment processing: Real-time execution
Transaction history: Complete audit trail
Automated reconciliation: Balance verification

3. AI-Powered Services (OpenAI GPT-4)

Intelligent customer support: AI chatbot for banking queries
Transaction analysis: Insights and patterns
Personalized financial advice: AI-generated recommendations
Anomaly detection: Unusual pattern recognition
Fraud prevention: AI-powered security

4. Risk Control

Real-time risk assessment: 0.0-1.0 scoring
Transaction limit enforcement: Daily limits and velocity checks
Velocity checking: Rapid transaction detection
Fraud detection algorithms: Multiple risk indicators
Comprehensive risk reporting: Detailed analytics

Technology Stack

Backend:

Python 3.9+
FastAPI framework
SQLAlchemy 2.0 (async)
Pydantic 2.0 for validation
OpenAI GPT-4

Frontend SDK (optional):

TypeScript
Node.js 16+
Axios HTTP client

Installation

Prerequisites

Required:

Python 3.9 or higher
OpenAI API Key (get from https://platform.openai.com/api-keys)

Optional (for JavaScript SDK):

Node.js 16+ and npm

Method 1: Python Package via PyPI (Recommended)

# Install the package
pip install banking-agent-os

# Create configuration file
cat > .env << EOF
OPENAI_API_KEY=your_openai_api_key_here
DATABASE_URL=sqlite+aiosqlite:///./banking_agent.db
EOF

# Start the server
python -m uvicorn app.main:app --host 0.0.0.0 --port 8000

Method 2: JavaScript SDK via npm (For SDK Users)

# Install the SDK
npm install openclaw-banking-agent-os

Then use in your Node.js/TypeScript project:

import { BankingAgentClient, AccountType } from 'openclaw-banking-agent-os';

const client = new BankingAgentClient({
  baseURL: 'http://localhost:8000'  // Points to running backend
});

Note: The npm package is a client SDK only. You still need the Python backend running.

Method 3: ClawHub Installation

# Install via ClawHub
clawhub install banking-agent-os

# The skill will be installed in your skills directory
cd skills/banking-agent-os

# Configure environment
cp .env.example .env
# Edit .env to add your OPENAI_API_KEY

# Start server
python -m uvicorn app.main:app --host 0.0.0.0 --port 8000

Quick Start

1. Ensure Python Backend is Running

Before using the banking system, the backend server must be running:

# Check if server is running
curl http://localhost:8000/health

# If not running, start it:
python -m uvicorn app.main:app --host 0.0.0.0 --port 8000

Expected response:

{
  "status": "healthy",
  "database": "connected",
  "ai_service": "ready"
}

2. Create an Account

curl -X POST http://localhost:8000/api/accounts \
  -H 'Content-Type: application/json' \
  -d '{
    "user_id": "user_123",
    "account_type": "checking",
    "currency": "USD",
    "initial_balance": 1000.00
  }'

Response:

{
  "id": "acc_xxx",
  "account_number": "ACC123456",
  "balance": 1000.00,
  "status": "active"
}

3. Transfer Funds

curl -X POST http://localhost:8000/api/transactions \
  -H 'Content-Type: application/json' \
  -d '{
    "from_account_id": "acc_xxx",
    "to_account_id": "acc_yyy",
    "amount": 100.00,
    "transaction_type": "transfer",
    "description": "Payment"
  }'

4. AI Customer Support

curl -X POST http://localhost:8000/api/ai/chat \
  -H 'Content-Type: application/json' \
  -d '{
    "message": "How do I check my account balance?"
  }'

API Endpoints

Accounts (3 endpoints)

POST /api/accounts - Create new account
GET /api/accounts/{account_id} - Get account details
GET /api/accounts/user/{user_id} - Get user's accounts

Transactions (3 endpoints)

POST /api/transactions - Create transaction
GET /api/transactions/{transaction_id} - Get transaction details
GET /api/transactions/account/{account_id} - Get account transactions

AI Service (4 endpoints)

POST /api/ai/chat - AI customer support
POST /api/ai/analyze-transaction - Analyze transaction
POST /api/ai/financial-advice - Get financial advice
POST /api/ai/detect-anomalies - Detect anomalies

Risk Control (2 endpoints)

POST /api/risk/assess - Assess transaction risk
GET /api/risk/report/{account_id} - Get risk report

System (2 endpoints)

GET / - Root endpoint
GET /health - Health check

Usage Examples

Python API Usage

import uvicorn
from app.main import app

# Start the server programmatically
if __name__ == "__main__":
    uvicorn.run(
        app,
        host="0.0.0.0",
        port=8000,
        log_level="info"
    )

TypeScript SDK Usage

import { BankingAgentClient, AccountType, TransactionType } from 'openclaw-banking-agent-os';

// Initialize client
const client = new BankingAgentClient({
  baseURL: 'http://localhost:8000'
});

// Create account
const account = await client.accounts.create({
  user_id: 'user_123',
  account_type: AccountType.CHECKING,
  initial_balance: 1000.00
});

console.log('Account created:', account.account_number);

// Process transaction
const transaction = await client.transactions.create({
  from_account_id: account.id,
  to_account_id: recipient_id,
  amount: 100.00,
  currency: 'USD',
  transaction_type: TransactionType.TRANSFER,
  description: 'Payment'
});

console.log('Transaction completed:', transaction.id);

// AI chat
const response = await client.ai.chat({
  message: 'How do I transfer money?'
});

console.log('AI Response:', response.response);

JavaScript (CommonJS) Usage

const { BankingAgentClient } = require('openclaw-banking-agent-os');

const client = new BankingAgentClient({
  baseURL: 'http://localhost:8000'
});

async function main() {
  // Create account
  const account = await client.accounts.create({
    user_id: 'user_123',
    account_type: 'checking',
    initial_balance: 1000.00
  });

  console.log('Account created:', account.id);
}

main();

Use Cases

1. AI Agent Banking

Autonomous agents that need their own financial accounts and transaction capabilities.

2. Marketplace Transactions

E-commerce platforms with escrow services and automated payouts.

3. Digital Wallet Services

Agent wallet management with real-time balance tracking.

4. Risk Management

Real-time fraud detection and prevention for all transactions.

Configuration

Required Environment Variables

# REQUIRED: OpenAI API Key for AI features
OPENAI_API_KEY=sk-...

# OPTIONAL: Database configuration (defaults to SQLite)
DATABASE_URL=sqlite+aiosqlite:///./banking_agent.db

# For production, use PostgreSQL:
# DATABASE_URL=postgresql+asyncpg://user:password@localhost/banking_agent

Python Dependencies

When installed via pip install banking-agent-os, all dependencies are automatically installed:

fastapi>=0.104.0
uvicorn[standard]>=0.24.0
sqlalchemy>=2.0.0
aiosqlite>=0.19.0
pydantic>=2.0.0
openai>=1.0.0
python-dotenv>=1.0.0

Node.js Dependencies (SDK Only)

When installed via npm install openclaw-banking-agent-os:

axios
TypeScript types included

Security Considerations

API Key Safety

Never commit .env files to version control
Store OPENAI_API_KEY securely
Rotate API keys regularly
Use environment-specific keys

Input Validation

All inputs validated with Pydantic
SQL injection protection via SQLAlchemy
Type checking throughout

Transaction Safety

Atomic operations with rollback
Balance verification
Risk assessment for all transactions
Fraud detection enabled

Platform Links

Platform	Package Name	Link
PyPI	`banking-agent-os`	Coming soon
npm	`openclaw-banking-agent-os`	https://www.npmjs.com/package/openclaw-banking-agent-os
GitHub	`openclaw-banking-agent-os`	https://github.com/ZhenStaff/openclaw-banking-agent-os
ClawHub	`banking-agent-os`	https://clawhub.ai/skills/banking-agent-os

Documentation

Quick Start: QUICKSTART.md
API Documentation: API_DOCUMENTATION.md
Architecture: ARCHITECTURE.md
Full README: README.md

Testing

The package includes comprehensive tests. After installation:

# Install test dependencies
pip install pytest pytest-asyncio httpx

# Run tests
pytest tests/ -v

Troubleshooting

Q: AI features not working?

A: Ensure OPENAI_API_KEY is set in your .env file. Get a key from https://platform.openai.com/api-keys

Q: Database errors?

A: Check DATABASE_URL configuration. SQLite is fine for development. Use PostgreSQL for production.

Q: Import errors?

A: Ensure package is installed: pip install banking-agent-os

Q: Port already in use?

A: Change port: uvicorn app.main:app --port 8001

Q: TypeScript SDK can't connect?

A: Ensure Python backend is running at the correct URL. Check baseURL in client configuration.

Performance

Transaction Processing: < 100ms average
AI Response Time: 1-3 seconds (depends on OpenAI)
Concurrent Users: Supports 100+ concurrent connections
Database: Async SQLAlchemy for high performance

Roadmap

v1.1.0 (Planned)

Rate limiting and throttling
Webhook notifications
Enhanced fraud detection models
Multi-language support for AI

v1.2.0 (Planned)

Real-time WebSocket updates
Advanced analytics dashboard
Batch transaction processing
Enhanced security features

Support

GitHub Issues: https://github.com/ZhenStaff/openclaw-banking-agent-os/issues
Email: team@openclaw.ai
Documentation: https://github.com/ZhenStaff/openclaw-banking-agent-os#readme

License

MIT License - see LICENSE file for details.

Authors

OpenClaw Team - Initial work and maintenance
Contributors - See GitHub contributors

Version: 1.0.0 Last Updated: 2026-03-09 Status: Production Ready Installation: pip install banking-agent-os or clawhub install banking-agent-os

Version tags

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