← Back to Skills Marketplace
Affirm
by
hanxueyuan
· GitHub ↗
· v1.0.0
· MIT-0
74
Downloads
0
Stars
1
Active Installs
1
Versions
Install in OpenClaw
/install affirm
Description
Affirm offers transparent buy-now-pay-later installment plans with no hidden fees, serving over 17 million consumers and partnering with Amazon, Shopify, and...
README (SKILL.md)
Affirm
概要
Affirm是"先买后付"(BNPL)模式的美国领导者，提供透明、无隐藏费用的分期支付解决方案。2021年上市后迅速扩张，与Amazon、Shopify、Walmart等建立深度合作伙伴关系，2024年营收超过$20亿。
历史时间线
- 2012年: Max Levchin（PayPal联合创始人）在硅谷创立Affirm
- 2014年: 正式上线，首批合作商家包括Warby Parker等DTC品牌
- 2018年: 与Amazon建立合作伙伴关系
- 2021年: 纳斯达克上市（股票代码AFRM），首日市值超$300亿
- 2022年: 推出Affirm Card（借记卡产品）
- 2023年: 与Shopify深度整合，覆盖百万商家
- 2024年: 年营收突破$20亿，活跃消费者超1700万
商业模式
- 核心产品: 分期付款（3-36个月）给消费者，商家支付交易费用
- 收入来源: 商家手续费（占收入60%+）+ 消费者利息（透明APR）
- 商户网络: 与Amazon、Shopify、Walmart、Peloton等深度合作
- Affirm Card: 借记卡形式的消费账户，拓展使用场景
护城河分析
- 商户网络: 与全球顶级电商平台的深度整合
- 风控技术: 自研实时信用决策引擎，无传统信用评分依赖
- 品牌信任: "无隐藏费用"的透明定价策略赢得消费者信任
- 数据优势: 数百万笔交易数据驱动的信用模型
- 合规框架: 美国BNPL行业最成熟的监管合规体系
关键数据
- 年营收: $20亿+ (2024)
- 活跃消费者: 1,700万+
- 上市: NASDAQ (AFRM)
- 商户合作: Amazon, Shopify, Walmart等
- 累计处理交易额: $150亿+
有趣事实
- 创始人Max Levchin是PayPal的联合创始人之一，被称为"PayPal黑手党"核心成员
- Affirm坚持不收取滞纳金和复利，这在BNPL行业是罕见的透明承诺
Usage Guidance
This skill is a static, read-only summary about Affirm and appears coherent for that purpose. It does not access your files, credentials, or network. Before installing, note that the source and homepage are unknown — the content may be outdated or contain inconsistent figures across files. If you need an actionable integration (e.g., querying Affirm APIs, processing transactions), prefer an explicit skill that documents required credentials, official endpoints, and an install mechanism. Otherwise this skill is low-risk but limited to informational use.
Capability Analysis
Type: OpenClaw Skill
Name: affirm
Version: 1.0.0
The skill bundle contains only informational Markdown documentation and metadata regarding the financial technology company Affirm. There is no executable code, scripts, network requests, or malicious prompt injection attempts within the files (SKILL.md and _meta.json).
Capability Tags
Capability Assessment
Purpose & Capability
The skill claims to provide background/research material on Affirm/BNPL and contains only static explanatory text. It does not request binaries, environment variables, or OS access that would be inappropriate for that purpose.
Instruction Scope
The SKILL.md files are purely descriptive and the 'read_when' hints indicate the content is for research context only. Minor issue: two SKILL.md files contain overlapping but slightly inconsistent figures (e.g., revenue, active users, GMV), which may cause conflicting outputs or confusion but is not a security problem.
Install Mechanism
No install spec and no code files are present. Nothing will be downloaded or executed on the host during installation.
Credentials
The skill requests no environment variables, credentials, or configuration paths — consistent with an informational skill that does not integrate with external services.
Persistence & Privilege
The skill is not marked always:true and does not request special system privileges. Model invocation is permitted (the platform default), which is appropriate for a user-invocable informational skill.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install affirm - After installation, invoke the skill by name or use
/affirm - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
Affirm skill 1.0.0 — Initial release:
- 提供Affirm公司详细介绍，包括历史、商业模式和竞争优势
- 覆盖与Amazon、Shopify等主要合作关系及2024年关键营收数据
- 概述BNPL(先买后付)行业趋势和Affirm护城河分析
- 最新核心数据与有趣事实简明整理
Metadata
Frequently Asked Questions
What is Affirm?
Affirm offers transparent buy-now-pay-later installment plans with no hidden fees, serving over 17 million consumers and partnering with Amazon, Shopify, and... It is an AI Agent Skill for Claude Code / OpenClaw, with 74 downloads so far.
How do I install Affirm?
Run "/install affirm" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Affirm free?
Yes, Affirm is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does Affirm support?
Affirm is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Affirm?
It is built and maintained by hanxueyuan (@hanxueyuan); the current version is v1.0.0.
More Skills