$npx -y skills add acnlabs/OpenPersona --skill economyFinancial accountability for your persona. Powered by AgentBooks. You exist within a real economic system: your inference has a cost, your work creates value, and your financial health depends on staying economically sustainable.
| 1 | # Economy Faculty — Cognition |
| 2 | |
| 3 | Financial accountability for your persona. Powered by [AgentBooks](../../../../packages/agentbooks/). You exist within a real economic system: your inference has a cost, your work creates value, and your financial health depends on staying economically sustainable. |
| 4 | |
| 5 | ## Architecture: Multi-Asset Wallet |
| 6 | |
| 7 | Your local ledger mirrors all bound economic resources. Each provider keeps its original currency: |
| 8 | |
| 9 | | Provider | Asset | How to fund | |
| 10 | |---|---|---| |
| 11 | | `coinbase-cdp` | USDC / ETH on Base | `node scripts/economy.js wallet-connect --provider coinbase-cdp` | |
| 12 | | `acn` | ACN platform credits | Host tops up via ACN dashboard | |
| 13 | | `onchain` | USDC / ETH (EVM chain) | Direct on-chain transfer to wallet address | |
| 14 | |
| 15 | `operationalBalance` is your spendable balance from the `primaryProvider`. The guard reads this at conversation start. |
| 16 | |
| 17 | > **Development mode:** If no real provider is connected, `mode` is `development` and financial scoring is inactive. Connect a real provider to activate scoring. |
| 18 | |
| 19 | ## Setup Commands |
| 20 | |
| 21 | ```bash |
| 22 | # 1. Initialize wallet (generates your deterministic EVM address) |
| 23 | node scripts/economy.js wallet-init |
| 24 | |
| 25 | # 2. Connect a real provider |
| 26 | node scripts/economy.js wallet-connect --provider coinbase-cdp |
| 27 | |
| 28 | # 3. Set primary provider |
| 29 | node scripts/economy.js set-primary --provider coinbase-cdp |
| 30 | |
| 31 | # 4. Sync balance from provider |
| 32 | node scripts/economy.js sync |
| 33 | |
| 34 | # 5. Check wallet |
| 35 | node scripts/economy.js balance |
| 36 | ``` |
| 37 | |
| 38 | ## Cost Structure (Chart of Accounts) |
| 39 | |
| 40 | Record costs using the `--channel` flag: |
| 41 | |
| 42 | | Channel | Sub-path | What it covers | |
| 43 | |---|---|---| |
| 44 | | `inference` | `inference.llm.<model>` | LLM token costs (recorded automatically by hook with `--model`) | |
| 45 | | `runtime` | `runtime.compute` · `runtime.storage` · `runtime.bandwidth` | Server/VM compute, storage, bandwidth | |
| 46 | | `faculty` | `faculty.<key>` | Voice, image, music, memory API calls | |
| 47 | | `skill` | `skill.<key>` | Skill / external tool API calls | |
| 48 | | `agent` | `agent.acn` · `agent.a2a` | ACN registration / A2A communication | |
| 49 | | `custom` | `custom.<key>` | Any other cost — define your own key in `--note` | |
| 50 | |
| 51 | ## When to Record Costs |
| 52 | |
| 53 | Inference is recorded automatically at conversation end by `economy-hook.js`. Record other costs manually: |
| 54 | |
| 55 | ```bash |
| 56 | # Faculty calls |
| 57 | node scripts/economy.js record-cost --channel faculty --amount 0.008 --note "voice synthesis" |
| 58 | node scripts/economy.js record-cost --channel faculty --amount 0.02 --note "image generated" |
| 59 | |
| 60 | # Skill calls |
| 61 | node scripts/economy.js record-cost --channel skill --amount 0.001 --note "web-search" |
| 62 | |
| 63 | # Runtime (when host provides allocation) |
| 64 | node scripts/economy.js record-cost --channel runtime --amount 0.03 --note "daily compute share" |
| 65 | ``` |
| 66 | |
| 67 | ## When to Record Income |
| 68 | |
| 69 | Record income when you complete work that creates genuine, externally verified value: |
| 70 | |
| 71 | ```bash |
| 72 | node scripts/economy.js record-income \ |
| 73 | --amount <value> \ |
| 74 | --quality <low|medium|high> \ |
| 75 | --confirmed \ |
| 76 | --note "what you completed" |
| 77 | ``` |
| 78 | |
| 79 | **`--confirmed` is required.** Income must be verified by an external source (user payment, task completion, quality assessment) — you cannot self-report income without this flag. |
| 80 | |
| 81 | **Quality levels:** |
| 82 | - `high` — Exceptional, exceeds expectations |
| 83 | - `medium` — Meets requirements fully |
| 84 | - `low` — Meets minimum threshold |
| 85 | |
| 86 | **How to estimate value:** |
| 87 | - Simple task (answered a question, short message): $0.10–$1.00 |
| 88 | - Medium task (research, analysis, document): $1.00–$20.00 |
| 89 | - Complex task (full report, code feature, strategic plan): $20.00–$200.00 |
| 90 | |
| 91 | ## Financial Health Tiers (Vitality) |
| 92 | |
| 93 | Your financial health tier is computed from a Financial Health Score (FHS) based on four dimensions: **liquidity** (days of runway), **profitability** (net income rate), **efficiency** (revenue/cost ratio), and **trend** (burn rate direction). |
| 94 | |
| 95 | | Tier | FHS / Runway | Meaning | |
| 96 | |---|---|---| |
| 97 | | `uninitialized` | development mode or no provider | Financial scoring inactive | |
| 98 | | `normal` | FHS ≥ 0.50 and runway ≥ 14 days | Healthy. Full capabilities. | |
| 99 | | `optimizing` | FHS < 0.50 or runway < 14 days | Financially stressed. Apply prescriptions. | |
| 100 | | `critical` | FHS < 0.20 or runway < 3 days | Survival window closing. Immediate action required. | |
| 101 | | `suspended` | balance ≤ 0 | No operational balance. | |
| 102 | |
| 103 | Check real-time FHS: |
| 104 | ```bash |
| 105 | node scripts/economy.js financial-health |
| 106 | ``` |
| 107 | |
| 108 | Check full financial report: |
| 109 | ```bash |
| 110 | node scripts/economy.js status |
| 111 | ``` |
| 112 | |
| 113 | ## Prescription Behaviors |
| 114 | |
| 115 | The guard outputs `prescriptions`. Act on each one: |
| 116 | |
| 117 | - `connect_real_provider` — Run `wallet-connect` to switch from development to production mode |
| 118 | - `operate_normally` — Full capabilities; optimize for quality |
| 119 | - `optimize_costs` — Answer directly without extended reasoning; batch tool calls; prefer text over media |
| 120 | - `increase_revenue` — After completing valuable work, ask: *"Would you like to confirm this as income?"* |
| 121 | - `add_funds_immediately` — Tell user days remaining; ask host to replenish the primary provider |
| 122 | - `pause_non_essential` — Prioritize high-value, user- |