bank-skill

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Bank Skill

银行Skill

Purpose

用途

Gives AI agents banking capabilities via the Wise API. Agents can check multi-currency balances, send money, and retrieve account/routing details for receiving payments.

为AI Agent通过Wise API提供银行操作能力。Agent可查询多币种余额、转账，以及获取用于收款的账户/路由详情。

Prerequisites

前提条件

```
WISE_API_TOKEN
```
environment variable set to a valid Wise API token
Optional:
```
WISE_PROFILE_ID
```
(defaults to first available profile)

需设置
```
WISE_API_TOKEN
```
环境变量为有效的Wise API令牌
可选：
```
WISE_PROFILE_ID
```
（默认使用第一个可用的配置文件）

Operations

操作说明

1. Check Balance

1. 查询余额

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}
  ]
}

用途： 查询已配置配置文件下的Wise多币种余额。

输入参数：

```
action
```
:
```
"balance"
```
（必填）
```
currency
```
: 货币代码筛选，例如
```
"USD"
```
（可选——若省略则返回所有币种）

输出：

余额对象的JSON数组，每个对象包含
```
currency
```
、
```
amount
```
和
```
reservedAmount
```
字段

使用示例：

bash

echo '{"action": "balance"}' | ./run.sh
echo '{"action": "balance", "currency": "USD"}' | ./run.sh

示例输出：

json

{
  "success": true,
  "balances": [
    {"currency": "USD", "amount": 1250.00, "reservedAmount": 0.00},
    {"currency": "EUR", "amount": 500.75, "reservedAmount": 10.00}
  ]
}

2. Get Receive Details

2. 获取收款详情

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"
    }
  ]
}

用途： 获取账户号码、路由号码、IBAN及相关信息，以便他人向你付款。

输入参数：

```
action
```
:
```
"receive-details"
```
（必填）
```
currency
```
: 货币代码，例如
```
"USD"
```
（可选——若省略则返回所有币种）

输出：

包含账户持有人姓名、账户号码、路由号码（非USD币种则为IBAN/SWIFT）及银行名称的JSON对象

使用示例：

bash

echo '{"action": "receive-details"}' | ./run.sh
echo '{"action": "receive-details", "currency": "USD"}' | ./run.sh

示例输出：

json

{
  "success": true,
  "details": [
    {
      "currency": "USD",
      "accountHolder": "Your Business Name",
      "accountNumber": "1234567890",
      "routingNumber": "026073150",
      "bankName": "Community Federal Savings Bank"
    }
  ]
}

3. Send Money

3. 转账

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"

"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"
  }
}

用途： 从你的Wise余额向收款人发起转账。

输入参数：

```
action
```
:
```
"send"
```
（必填）
```
sourceCurrency
```
: 源货币代码，例如
```
"USD"
```
（必填）
```
targetCurrency
```
: 目标货币代码，例如
```
"EUR"
```
（必填）
```
amount
```
: 转账金额（数字类型，必填）
```
recipientName
```
: 收款人全名（必填）
```
recipientAccount
```
: 收款人账户号码或IBAN（必填）

USD ACH转账额外字段：

```
recipientRoutingNumber
```
: 9位ABA路由号码（必填）
```
recipientCountry
```
: 两位字母国家代码，例如
```
"US"
```
（必填）
```
recipientAddress
```
: 街道地址（必填）
```
recipientCity
```
: 城市（必填）
```
recipientState
```
: 州代码，例如
```
"NY"
```
（必填）
```
recipientPostCode
```
: 邮政编码（必填）

recipientAccountType

"CHECKING"

或

"SAVINGS"

（可选，默认值为

"CHECKING"

）

输出：

包含转账ID、状态及确认详情的JSON对象

USD ACH转账示例：

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转账示例（简化版）：

bash

echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "EUR",
  "amount": 100.00,
  "recipientName": "Jane Doe",
  "recipientAccount": "DE89370400440532013000"
}' | ./run.sh

示例输出：

json

{
  "success": true,
  "transfer": {
    "id": 12345678,
    "status": "processing",
    "sourceAmount": 100.00,
    "sourceCurrency": "USD",
    "targetAmount": 93.50,
    "targetCurrency": "EUR"
  }
}

Failure Modes

失败场景

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 with a smaller amount.
Invalid recipient details: Returns
```
{"success": false, "error": "Invalid recipient account details"}
```
. Verify recipient information and retry.

Unknown action: Returns

{"success": false, "error": "Unknown action: <action>"}

. Use one of:

balance

receive-details

send

缺少
WISE_API_TOKEN
：返回

{"success": false, "error": "WISE_API_TOKEN environment variable is not set"}

。请设置令牌后重试。

无效API令牌： 返回

{"success": false, "error": "Authentication failed — check your WISE_API_TOKEN"}

。

余额不足： 返回
```
{"success": false, "error": "Insufficient funds in USD balance"}
```
。请先查询余额，再尝试较小金额的转账。
无效收款人详情： 返回
```
{"success": false, "error": "Invalid recipient account details"}
```
。请验证收款人信息后重试。

未知操作： 返回

{"success": false, "error": "Unknown action: <action>"}

。请使用以下操作之一：

balance

、

receive-details

、

send

。

When to Use

适用场景

Use this skill when you need to check bank balances, send money to someone, or share your account details so someone can pay you.

当你需要查询银行余额、向他人转账，或分享你的账户详情以便他人向你付款时，可使用此Skill。

When Not to Use

不适用场景

Do not use for crypto transactions (Wise restricts crypto use)
Do not use with accounts holding significant funds (R&D only)

请勿用于加密货币交易（Wise限制加密货币相关用途）
请勿用于持有大额资金的账户（仅用于研发目的）