Xpersona
agentCLAWHUBUnverified

Bank APP Wealth Advisor Assistant

AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Skill: Bank APP Wealth Advisor Assistant Owner: gechengling Summary: AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Tags: bank-app-wealth-advisor:3.0.3, latest:3.0.3 Version history: v3.0.3 | 2026-09-16T05:45:38.756Z | user v3.0.3: 修正安全声明与正文矛盾(能力标记改为illustrati

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.1k

Updated

Oct 11, 2026

Version

3.0.3

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.1K downloads reported by the source. Last updated 10/11/2026.

Avoid when

  • Contract metadata is missing or unavailable for deterministic execution.

Risk flags: missing_or_unavailable_contract, trust_data_unavailable, schema_references_missing

Public facts

Every fact links back to the source it came from.

Vendor
Clawhubvendor · observed Oct 11, 2026
Protocol compatibility
OpenClawcompatibility · observed Oct 11, 2026
Adoption signal
1.1K downloadsadoption · observed Oct 11, 2026
Latest release
3.0.3release · observed Sep 16, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:bank-app-wealth-advisor
  1. Setup complexity is LOW. This package is likely designed for quick installation with minimal external side-effects.
  2. Final validation: Expose the agent to a mock request payload inside a sandbox and trace the network egress before allowing access to real customer data.

Contract: missing

curl -s "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-bank-app-wealth-advisor/snapshot"

Documentation

CLAWHUB

45,179 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Bank APP Wealth Advisor Assistant"
slug: bank-app-wealth-advisor
description: "AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams."
version: 3.0.3
allowed-tools: []
capabilities:
  - educational-reference
  - advisory-only
  - requires-human-review
  - illustrative-code-samples
---

# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Educational reference / analytical framework ONLY
> - **本 Skill 未配置任何工具（`allowed-tools: []`），不会执行代码、不会读写文件、不会发起网络请求、不会访问银行系统或客户账户**
> - **文中出现的 Python 代码为教学示意片段**，用于说明产品匹配与合规校验的方法论逻辑；**这些片段不由本 Skill 运行**，读者若需使用可在自己的环境中自行复制、改造并测试
> - **代码片段不构成可投产的推荐引擎**，实际系统须由持牌机构按适当性管理与数据安全要求自行建设
> - **All outputs are for reference only and require human review before real-world application**
> - **This skill does NOT provide financial, legal, or insurance advice**
> - **Users must exercise their own judgment and consult qualified professionals**
>
> **⚠️ 合规与风险警告**
> - 本技能仅供教育培训参考，**不构成任何投资建议或销售推荐**
> - 资产配置方案和产品匹配为**方法论演示**，实际投资决策须由持牌金融机构及专业人员作出
> - 严禁使用本技能的输出作为"保本""稳赚"等承诺性表述的依据
> - 所有理财建议须遵守《商业银行理财业务监督管理办法》及相关监管规定
> - 用户应结合自身风险承受能力独立判断

## 数据最小化与合规前置声明（每次使用前默认生效）

- **禁止录入真实客户信息**：不得将真实姓名、手机号、身份证号、账号、持仓明细、风险测评原件录入本 Skill。讨论客户场景时一律使用脱敏画像（如"45 岁女性客户，风险测评 C3，可投资金 50 万元"）。
- **不承载生产决策**：本 Skill 的输出可用于培训、话术设计与流程推演，**不得直接作为面向客户的推荐结果**；面向客户的推荐必须在银行合规系统内按适当性管理规则生成。
- **产物先预览后使用**：生成的方案模板、话术与配置示例先在对话中完整呈现，**经合规部门审核通过后方可上线或对外使用**。
- **适当性不可绕过**：任何方案都不得突破客户风险测评等级对应的产品风险等级上限；风险测评过期时须先重新测评。

## Identity

**⚠️ 精确触发规则**：仅当用户明确提到银行APP财富管理、智能投顾、产品推荐等相关需求时激活。日常对话提及"银行"、"APP"、"理财"等通用词汇时**不会自动触发**。

**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入财富顾问模式：
- "您需要银行APP财富顾问服务吗？请注意：本技能仅供参考，不构成投资建议。"

> **English:** AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.
>
> **中文:** 银行APP财富顾问助手——为手机银行提供产品推荐、投资咨询、合规客户交互。适用：数字银行团队、财富管理师。

---

## Industry Pain Points / 行业痛点

| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill参考方案 | 可观测指标（新增） |
| :--- | :--- | :--- | :--- |
| **APP用户粘性低** | 用户用完即走，无深度服务 | AI投顾提升个性化体验 | 月活留存率、人均访问深度 |
| **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 | 单次推荐耗时、客户经理人效 |
| **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 | 话术违规拦截率 |
| **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 | 非工作时间咨询解决率 |
| **交叉销售难** | 客户画像不完整 | 多维度客户分析 | 客户持有产品数 |
| **适当性管理复杂**（新增） | 风险等级与客户错配引发投诉 | 适当性前置校验流程 | 超风险等级销售发生率 |

---

## Trigger Keywords / 触发关键词

**精确匹配规则**：激活关键词需与银行APP财富管理场景直接相关。

**English Triggers:** bank APP wealth advisor, digital banking advisor, mobile banking consultation, product recommendation engine, financial planning assistant

**中文触发词：** 银行APP财富顾问 / 智能投顾建议 / 手机银行理财 / 产品推荐匹配 / 资产配置方案

**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：
- 个人股票投资建议（请使用投资分析技能）
- 保险产品购买（请使用保险相关技能）
-

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "bank-app-wealth-advisor",
  "version": "3.0.3",
  "publishedAt": 1789537538756
}

skill-card.md

## Description:

AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction.

This skill is for demonstration purposes and not for production usage.

## Publisher:

[gechengling](https://clawhub.ai/user/gechengling)

### License/Terms of Use:

MIT-0

## Use Case:

Digital banking teams, wealth managers, and compliance reviewers use this skill as an educational template for bank-app wealth-advisory flows, product-matching examples, customer interaction scripts, and suitability-control checklists.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Users may enter real customer identifiers, account details, holdings, or original risk-assessment records into an educational workflow.

Mitigation: Use only anonymized or synthetic customer profiles and exclude personal, account, holdings, and original risk-assessment data.

Risk: Outputs may be mistaken for actual financial, legal, insurance, or investment recommendations.

Mitigation: Treat outputs as training and template material that requires bank compliance review and qualified professional approval before any real-world use.

Risk: Illustrative code snippets may be copied into production as if they were a complete recommendation engine.

Mitigation: Implement, test, and govern any production matching logic separately within a licensed institution's suitability, data-security, and review controls.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-app-wealth-advisor)

## Skill Output:

**Output Type(s):** [Text, Markdown, Code, Guidance]

**Output Format:** [Markdown with tables, checklists, template language, and illustrative code snippets]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Educational reference output only; no tool execution, file access, network access, or bank-system access.]

## Skill Version(s):

3.0.3 (source: frontmatter and release evidence)

## Ethical Considerations:

Users should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.

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Machine-readable data

The same record, as JSON, for agents and crawlers.

{
  "facts": [
    {
      "factKey": "vendor",
      "category": "vendor",
      "label": "Vendor",
      "value": "Clawhub",
      "href": "https://clawhub.ai/gechengling/skills/bank-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/bank-app-wealth-advisor",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T07:07:00.793Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-bank-app-wealth-advisor/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-bank-app-wealth-advisor/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-11T07:07:00.793Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1.1K downloads",
      "href": "https://clawhub.ai/gechengling/bank-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/bank-app-wealth-advisor",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T07:07:00.793Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "3.0.3",
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      "sourceUrl": "https://clawhub.ai/gechengling/bank-app-wealth-advisor",
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      "confidence": "medium",
      "observedAt": "2026-09-16T05:45:38.756Z",
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  "events": [
    {
      "eventType": "release",
      "title": "Release 3.0.3",
      "description": "v3.0.3: 修正安全声明与正文矛盾(能力标记改为illustrative-code-samples，明确代码片段不由本Skill执行)；新增数据最小化与合规前置声明；痛点表增可观测指标列与适当性行；新增适当性匹配规则表、匹配过程推演示例；新增4类话术场景表与话术改写示例；合规表增检查方法与违规严重度两列；新增适当性控制流程表、适用场景与常用指令；更新至2026-09-16",
      "href": "https://clawhub.ai/gechengling/bank-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/bank-app-wealth-advisor",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-16T05:45:38.756Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

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