Description

跨境金融助手，专注于跨境资金转移的费用计算和最优路径推荐。使用场景：(1) 人民币出境——CNY换成境外法币（USD/EUR等），询问"怎么把人民币转到境外"、"出金最低费用路径"；(2) 境外法币入境——海外收入/工资换成CNY，询问"美元怎么转回国内"、"怎么把海外收入汇到国内"；(3) 法币与加密货币互换—...

README (SKILL.md)

跨境金融助手

Name: cross-border-finance
Author: vermilion-bird

工作流

第一步：明确需求

收集以下信息（若用户未提供则追问）：

金额与货币：发送多少、源货币是什么
目标货币：希望到账什么货币
约束条件：是否必须走合规路径？是否在中国大陆境内操作？是否有香港账户？
优先级：最低费用 / 最快速度 / 最高安全性

第二步：运行费用计算脚本

自动尝试实时汇率（frankfurter.app），失败则使用备用静态汇率。

python3 scripts/calculate_costs.py --amount \x3C金额> --from \x3C源货币> --to \x3C目标货币>
# 示例
python3 scripts/calculate_costs.py --amount 70000 --from CNY --to USD
python3 scripts/calculate_costs.py --amount 5000  --from USD --to CNY
python3 scripts/calculate_costs.py --amount 10000 --from USDT --to CNY
# 按优先级排序
python3 scripts/calculate_costs.py --amount 10000 --from CNY --to USD --priority speed

支持货币对：CNY→USD, CNY→EUR, USD→CNY, EUR→CNY, CNY→USDT, USDT→CNY, USD→USDT, EUR→USDT

第三步：展示对比表 + 推荐路径

脚本输出已包含对比表和分类推荐，在此基础上：

结合用户约束（是否有香港账户、是否可接受合规风险等）调整推荐
为推荐路径补充具体执行步骤
标注关键风险

参考资料（按需加载）

银行类平台详情（Wise, N26, iFAST, 中信国际, 国内银行SWIFT, 银联）
→ references/platforms-banking.md
用于：具体费率数字、开户要求、监管限制、执行步骤
加密平台详情（OKX P2P, Bybit P2P, Kraken, USDT链上转账, 虚拟货币线下消费）
→ references/platforms-crypto.md
用于：P2P 操作细节、安全实践、链上费用、风险说明
路径策略与场景分析（出境/入境/加密互换对比、监管框架、特殊场景）
→ references/flow-strategies.md
用于：场景化路径选择（留学生汇款/自由职业入境/大额回流等）

输出标准格式

费用对比表

路径	预计到账	综合损耗%	速度	安全性	合规状态

每次对话必须告知的合规提醒

中国大陆个人年度购汇/汇款额度：$50,000 USD 等值
P2P 加密货币在中国大陆属监管灰色地带，存在银行卡冻结风险
本技能提供信息参考，不构成法律/投资建议
脚本汇率为参考值，实际到账以当时市场价为准

Usage Guidance

This skill appears to do what it says: compute fees and recommend paths using a bundled Python script and static reference docs. Before installing, note two practical risks: (1) the skill explicitly describes and may recommend regulatory 'gray' options (P2P crypto, off‑ramp workarounds) — these carry real legal and bank‑risk consequences; do not treat recommendations as legal or compliance advice and consider consulting a lawyer/tax advisor for large amounts; (2) the calculator fetches live FX rates from a public API (frankfurter.app) when run, so it requires outbound network access — if you run the script in a restricted environment be aware of that call. If you want stronger assurance, review the full calculate_costs.py contents locally before running and validate that it makes only the expected HTTP requests (exchange rate API) and does not transmit user data to any other endpoints.

Capability Analysis

Type: OpenClaw Skill Name: cross-border-finance Version: 1.0.0 The skill bundle is a financial assistant designed for calculating cross-border transfer fees and comparing exchange paths. The core logic in `scripts/calculate_costs.py` is a standard Python calculator that fetches real-time exchange rates from a legitimate public API (frankfurter.app) and uses hardcoded fee structures. There is no evidence of data exfiltration, malicious code execution, or harmful prompt injection; the documentation (SKILL.md and reference files) focuses entirely on the stated purpose of financial guidance and includes appropriate compliance warnings regarding regulatory risks.

Capability Tags

cryptorequires-walletcan-make-purchasesrequires-sensitive-credentials

Capability Assessment

✓ Purpose & Capability

Name/description (cross‑border fees and path recommendations) match the included assets: an analysis script (calculate_costs.py) and multiple reference docs about banks and crypto platforms. No unrelated binaries, credentials, or config paths are requested.

ℹ Instruction Scope

SKILL.md instructs the agent to collect user inputs and run the included Python script which fetches live FX rates (frankfurter.app) and computes comparisons. That is within scope. Note: the skill explicitly includes and recommends '灰色/ P2P 加密' paths and steps for potentially risky workflows (P2P crypto, splitting flows to avoid on‑chain checks). Those suggestions align with the stated purpose but have legal/regulatory implications that the skill already flags. The instructions do not ask the agent to read unrelated files or environment variables.

✓ Install Mechanism

No install spec; this is instruction + included script and static references. There is no download URL or extract step. The only network call is to a public FX API (frankfurter.app) invoked by the script, which is expected for live rate lookups.

✓ Credentials

The skill declares no required env vars, no credentials, and no config paths. The included code does not require secrets to run. No disproportionate credential requests are present.

✓ Persistence & Privilege

always:false and the skill does not request system‑wide privileges or to modify other skills. It is user‑invocable and may be autonomously invoked by the model (platform default), which is appropriate for this type of tool.

Version History

v1.0.0

cross-border-finance 1.0.0 - Initial release of a cross-border finance assistant focused on cost calculation and optimal route recommendation for funds transfer. - Supports scenarios including CNY outbound conversion, foreign currency inbound remittance, fiat-crypto exchanges (USDT), and comprehensive cost comparison across multiple platforms. - Covers popular platforms: Wise, N26, iFAST, Citic International, domestic banks via SWIFT, UnionPay cards, OKX, Bybit, Kraken, etc. - Automatic workflow: collects user constraints, runs real-time/backup exchange rate calculations, outputs comparison tables and tailored recommendations. - Provides standardized output with risk and compliance reminders for all conversations.

Metadata

Slug cross-border-finance

Version 1.0.0

License MIT-0

All-time Installs 0

Active Installs 0

Total Versions 1

Frequently Asked Questions

What is cross-border-finance?

跨境金融助手，专注于跨境资金转移的费用计算和最优路径推荐。使用场景：(1) 人民币出境——CNY换成境外法币（USD/EUR等），询问"怎么把人民币转到境外"、"出金最低费用路径"；(2) 境外法币入境——海外收入/工资换成CNY，询问"美元怎么转回国内"、"怎么把海外收入汇到国内"；(3) 法币与加密货币互换—... It is an AI Agent Skill for Claude Code / OpenClaw, with 130 downloads so far.

How do I install cross-border-finance?

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

Is cross-border-finance free?

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

Which platforms does cross-border-finance support?

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

Who created cross-border-finance?

It is built and maintained by VermilionBird (@vermilion-bird); the current version is v1.0.0.

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cross-border-finance