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Usaa

Name: Usaa
Author: hanxueyuan

by hanxueyuan · GitHub ↗ · v1.0.0 · MIT-0

cross-platform ✓ Security Clean

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Install in OpenClaw

/install usaa

Description

USAA is a member-owned financial services institution serving military members and families with insurance, banking, and investment solutions tailored to the...

README (SKILL.md)

USAA：一家只为军人服务的公司，为何连续20年客户满意度排第一？

1922年，25名美国陆军军官在得克萨斯州圣安东尼奥开了个会。当时的问题是：军人开车出事故后，没有保险公司愿意给他们承保——军队频繁调动、驻扎地点偏远，在传统保险公司眼里这是"不可保"的风险群体。

解决方案很简单：自己给自己保。他们成立了United Services Automobile Association，只服务军官群体，只服务军官群体，永远只服务军官群体。这个排他性原则，在100年后的今天仍然是USAA最核心的护城河。

为什么军人客户如此忠诚

USAA的模式和普通金融机构有本质区别。普通银行和保险公司要为股东创造利润，USAA是会员制——客户就是所有者，盈余以更低费率和更高赔付率的形式返还给会员。这种结构决定了它的激励完全不同。

更深层的原因是军事社群的独特性。军人家庭经常面临：频繁搬迁、海外部署、配偶就业困难、军事基地附近金融服务匮乏。USAA针对每一个痛点都有专门的服务：海外免费汇款、部署期间的付款宽限、军事基地附近的专属服务中心。

业务范围

USAA从汽车保险起家，逐步扩展到：财产保险（房屋/公寓）、人寿保险、银行业务（支票账户/信用卡/房贷）、投资管理。保险业务贡献约55%的营收，银行约25%，投资管理约20%。

一个值得注意的指标：USAA的客户NPS（净推荐值）长期在70+，而行业平均只有30左右。这意味着几乎每个USAA客户都会主动向其他军人推荐。

关键数字：服务会员超过1300万人（包括现役、退役军人及其家属） | 年营收约370亿美元 | 管理资产超过1500亿美元 | 员工约2万人 | Fortune 500排名前150

一个细节：2009年，当iPhone才问世两年时，USAA就推出了手机支票存入功能——因为很多军人在海外部署时根本无法去银行柜台。这项创新后来被整个行业模仿，但USAA是最早做的。

Usage Guidance

This skill appears to be a static informational reference about USAA. Review it for factual accuracy if you plan to rely on the content, but the provided artifacts do not show security-sensitive behavior.

Capability Analysis

Type: OpenClaw Skill Name: usaa Version: 1.0.0 The skill bundle is purely informational, providing historical and business context about USAA (United Services Automobile Association). It contains only metadata (_meta.json) and a descriptive Markdown file (SKILL.md) with no executable code, network requests, or malicious instructions.

Capability Assessment

✓ Purpose & Capability

The content is a descriptive article about USAA's history, membership model, and financial services, matching the stated skill name and description.

✓ Instruction Scope

The skill provides background information and read_when guidance only; it does not instruct the agent to take actions, access accounts, or override user intent.

✓ Install Mechanism

There is no install spec, no code, and no required binaries or environment variables.

✓ Credentials

The artifacts do not request local file, network, browser, credential, or system access.

✓ Persistence & Privilege

No persistence, background behavior, privileged access, or credential handling is shown.

How to Use

Make sure OpenClaw is installed (local or Docker)
Run the install command in chat: /install usaa
After installation, invoke the skill by name or use /usaa
Provide required inputs per the skill's parameter spec and get structured output

Version History

v1.0.0

USAA skill version 1.0.0 – Initial Release - Introduces a detailed overview of USAA, a member-owned financial institution exclusively serving military personnel and their families. - Explains USAA’s origins, unique membership model, and the factors behind its industry-leading customer loyalty and satisfaction. - Highlights USAA’s product offerings across insurance, banking, and investment management. - Provides key statistics on membership, revenue, and organizational scale. - Showcases USAA’s early innovations tailored for military life, such as mobile check deposit for deployed members.

Metadata

Slug usaa

Version 1.0.0

License MIT-0

All-time Installs 0

Active Installs 0

Total Versions 1

Frequently Asked Questions

What is Usaa?

USAA is a member-owned financial services institution serving military members and families with insurance, banking, and investment solutions tailored to the... It is an AI Agent Skill for Claude Code / OpenClaw, with 17 downloads so far.

How do I install Usaa?

Run "/install usaa" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.

Is Usaa free?

Yes, Usaa is completely free, licensed under MIT-0. You can download, install and use it at no cost.

Which platforms does Usaa support?

Usaa is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).

Who created Usaa?

It is built and maintained by hanxueyuan (@hanxueyuan); the current version is v1.0.0.

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