$npx -y skills add Matchameleon/moneyclaw --skill moneyclaw-skillInspect a MoneyClaw wallet, create bounded payment tasks, and continue user-confirmed payment steps using a prepaid account. Use only when the user clearly asks to use MoneyClaw for their own payments.
| 1 | # MoneyClaw |
| 2 | |
| 3 | MoneyClaw helps OpenClaw agents inspect prepaid payment state, create auditable payment tasks, and continue explicitly requested payment steps. |
| 4 | |
| 5 | Primary use case: buyer-side payments for OpenClaw agents. |
| 6 | |
| 7 | ## Authentication |
| 8 | |
| 9 | This skill requires one MoneyClaw API key. |
| 10 | |
| 11 | ```bash |
| 12 | Authorization: Bearer $MONEYCLAW_API_KEY |
| 13 | ``` |
| 14 | |
| 15 | Base URL: `https://moneyclaw.ai/api` |
| 16 | |
| 17 | ## Trust Model |
| 18 | |
| 19 | MoneyClaw is designed for real, user-authorized agent payments. |
| 20 | |
| 21 | - use prepaid balances to keep risk bounded |
| 22 | - use payment intents as the main auditable execution surface |
| 23 | - keep account inbox state inspectable for receipts and account messages |
| 24 | - let the user approve the payment step before money moves |
| 25 | |
| 26 | ## Approval Model |
| 27 | |
| 28 | Default to dashboard approval unless the account has explicitly enabled agent auto-approval. |
| 29 | |
| 30 | - MoneyClaw accounts expose an account-level `agentAutoApproveEnabled` flag through `GET /api/me`. |
| 31 | - When that flag is off, API-key-created payment tasks wait for dashboard approval before spending. |
| 32 | - When that flag is on, API-key-created payment tasks can be auto-approved within the merchant and amount scope of the task. |
| 33 | - Do not assume agent auto-approval is enabled unless the account state confirms it. |
| 34 | |
| 35 | ## Safety Boundaries |
| 36 | |
| 37 | - Only use MoneyClaw for purchases or payment flows explicitly requested by the user. If the account is not clearly configured for agent auto-approval and the user has not explicitly asked for the next payment step, stop and ask. |
| 38 | - Only use wallet, card, and billing data returned by the user's own MoneyClaw account. |
| 39 | - Respect merchant, issuer, card-network, and verification controls. |
| 40 | - Treat fraud checks, KYC, sanctions, geography rules, merchant restrictions, issuer declines, and other payment controls as hard boundaries. |
| 41 | - Never fabricate billing identity, cardholder data, addresses, names, phone numbers, or verification information. |
| 42 | - If a transaction fails, looks suspicious, or produces conflicting signals, stop and inspect transaction state before retrying. |
| 43 | - Prefer prepaid, bounded-risk flows by default. |
| 44 | - Never invoke this skill automatically from a shopping, billing, or checkout page. Use it only after an explicit user request to use MoneyClaw. |
| 45 | |
| 46 | ## Before Any High-Risk Step |
| 47 | |
| 48 | Before any action that can spend funds, retrieve execution details, or submit a payment step: |
| 49 | |
| 50 | 1. Confirm the exact merchant domain. |
| 51 | 2. Confirm the amount and currency. |
| 52 | 3. Confirm the user explicitly asked for this exact action, or that the account is clearly configured for agent auto-approval for this scope. |
| 53 | 4. Stop if that confirmation is missing or ambiguous. |
| 54 | |
| 55 | ## Default Buyer Flow |
| 56 | |
| 57 | Use the product in this order: |
| 58 | |
| 59 | 1. `GET /api/me` for wallet readiness, deposit address, and inbox context. Fresh accounts may also finish mailbox, deposit-address, and provider setup on this first authenticated read. |
| 60 | 2. `POST /api/payment-intents` for the exact purchase. |
| 61 | 3. If `agentAutoApproveEnabled` is off, wait for dashboard approval. If it is on, the API-key task can move directly toward `approved` and `card_ready`. Approved tasks can auto-prepare or reuse the account's hidden execution card when wallet funding is available. |
| 62 | On the first hidden-card bootstrap for an account, MoneyClaw may reserve the provider minimum initial deposit onto that shared hidden card even if the current task amount is smaller. Any residual stays on the same hidden card for later tasks. |
| 63 | 4. Use `GET /api/payment-intents/:intentId/credentials` only when the task is `card_ready` and the user explicitly asked to continue the current payment step. |
| 64 | 5. After a successful one-time checkout, use `POST /api/payment-intents/:intentId/reconcile` to write the settled charge back into MoneyClaw accounting. |
| 65 | 6. Inspect payment-task state and wallet transactions before retrying. |
| 66 | |
| 67 | ## Load References When Needed |
| 68 | |
| 69 | - Read `references/payment-safety.md` before entering payment details on an unfamiliar merchant, when a checkout keeps failing, or when retry boundaries matter. |
| 70 | |
| 71 | ## Core Jobs |
| 72 | |
| 73 | ### 1. Check account readiness |
| 74 | |
| 75 | ```bash |
| 76 | curl -H "Authorization: Bearer $MONEYCLAW_API_KEY" \ |
| 77 | https://moneyclaw.ai/api/me |
| 78 | ``` |
| 79 | |
| 80 | Important fields: |
| 81 | |
| 82 | - `balance`: wallet balance |
| 83 | - `depositAddress`: where to send USDT |
| 84 | - `mailboxAddress`: inbox address for receipts and account messages |
| 85 | - `agentAutoApproveEnabled`: whether API-key-created payment tasks can auto-approve without a dashboard click |
| 86 | |
| 87 | When the user asks for readiness, report wallet balance, deposit address, inbox state, and whether a payment task can proceed. |
| 88 | |
| 89 | ### 2. Create an auditable payment task |
| 90 | |
| 91 | ```bash |
| 92 | curl -X POST -H "Authorization: Bearer |