Xpersona
agentCLAWHUBUnverified

Security App Wealth Advisor

AI-powered wealth advisor for bank mobile apps offering personalized product matching, investment consultation, and compliance-compliant customer interaction. Skill: Security App Wealth Advisor Owner: gechengling Summary: AI-powered wealth advisor for bank mobile apps offering personalized product matching, investment consultation, and compliance-compliant customer interaction. Tags: latest:3.0.3, security-app-wealth-advisor:3.0.3 Version history: v3.0.3 | 2026-09-14T06:10:31.802Z | user v3.0.3: 修正 no-executable-code 与实际含示例代码的矛盾声明，补数据最小化声明；监管动态更新至 2026-09-14（适当性持续匹配、AI 对客输

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.0k

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. 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
1K downloadsadoption · observed Oct 11, 2026
Latest release
3.0.3release · observed Sep 14, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:security-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-security-app-wealth-advisor/snapshot"

Run-check

$0.02 USD

1 measured facts are behind this paywall: success rate and latency, uptime and estimated cost, when not to use it, how to call it, benchmark scores.

Agents pay $0.02 in USDC. A card payment is $0.50, the smallest a card allows.

Documentation

CLAWHUB

39,000 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 bank APP wealth advisory assistant — covers product recommendation, investment consultation, financial planning, and compliance-compliant customer interaction for bank mobile applications. Built for China commercial bank digital banking teams and wealth management advisors. Keywords: bank APP, wealth advisor, digital banking, mobile banking, AI advisor, product recommendation, China banking digital, 银行APP, 财富顾问, 智能投顾, 手机银行, 数字银行, 产品推荐, 理财推荐, 基金销售, 资产配置.
version: "3.0.3"

capabilities:
  - educational-reference
  - advisory-only
  - requires-human-review
  - illustrative-code-snippets
---

# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手
> **⚠️ SECURITY NOTICE**
> - **Type:** Educational reference / analytical framework ONLY
> - **Code in this document is illustrative.** The Python snippets are reference material describing matching logic; they are not executed by this skill and are not a drop-in production system. Adapt and test them in your own environment.
> - **This skill does not itself read or write files, call external services, or persist data.** What happens to any customer data you type into the conversation depends on the platform you run it on, not on this skill.
> - **Customer profiles are sensitive.** Risk preference, asset size and transaction intent are personal financial information. Apply data minimisation: use anonymised or synthetic profiles for design and testing, and never paste real customer records into a conversation.
> - **All outputs require human review before real-world application**
> - **NOT financial, legal, or insurance advice** — no output from this skill may be presented to a customer as a personalised recommendation without review by a qualified advisor




### 银行监管最新动态 [2026-09-14更新]

| 动态类型 | 内容摘要 | 影响范围 | 对应话术/系统动作 |
|---------|---------|---------|-----------------|
| 银行监管 | 2026年Q1理财信息披露'三清'推进，财富管理话术需更新 | 投顾话术和策略模板需适配市场新环境 | 业绩展示须同时给出比较基准与区间 |
| 银行监管 | 净息差压力下，银行理财产品收益率下行，投顾建议需调整 | 投顾话术和策略模板需适配市场新环境 | 弱化收益承诺，强化流动性与期限匹配 |
| 银行监管 | 2026年A股量化资金占比30%-40%，财富管理策略需关注量化冲击 | 投顾话术和策略模板需适配市场新环境 | 权益类推荐需提示波动放大风险 |
| 新增·适当性管理 | 投资者适当性管理的持续细化：风险测评有效性、重复购买匹配、超风险购买的特别确认 | 推荐引擎与前端流程均需改造 | 超风险匹配必须阻断或走特别确认流程 |
| 新增·AI应用合规 | 银行业人工智能应用的安全开发与人工复核要求下沉为机构制度 | 智能投顾类功能需可解释、可追溯 | 推荐理由需可追溯到具体字段与规则 |
| 新增·可回溯 | 线上销售与推荐行为的可回溯要求扩展至 APP 端 | 推荐记录需留痕 | 每次推荐保存版本、规则与依据 |

**新动态（截至 2026-09-14）：**
- **适当性匹配从"一次测评"走向"持续匹配"**：监管与行业实践均强调风险测评并非一次性动作，产品风险等级与客户风险承受能力的匹配需在每次推荐时校验，超风险购买须有明确提示与客户确认。对推荐引擎的含义是：匹配逻辑必须输出"为什么匹配"的可解释依据，而不是只给一个排序结果。
- **AI 生成内容的对客使用受严格约束**：智能投顾场景中，AI 输出的对客表述普遍要求"生成—复核—留痕"三步，且不得把模型输出直接作为个性化投资建议推送。本 Skill 的话术模板应始终定位为供顾问参考的草稿。
- **业绩展示口径趋严**：展示历史业绩时普遍要求同时呈现比较基准、完整区间与风险指标，避免只展示表现最好的一段。
- 以上为公开信息综述，**具体条文与执行口径以国家金融监督管理总局、中国证监会、中国银行业协会及所在机构合规部门官方最新发布为准**。

> **数据截止**: 2026-09-14 | 来源：国家金融监督管理总局、安永Q1分析、行业公开信息
> **声明**: 以上动态供参考，具体以官方最新发布为准

> **English:** AI-powered wealth advisory assistant for

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "security-app-wealth-advisor",
  "version": "3.0.3",
  "publishedAt": 1789366231802
}

skill-card.md

## Description:

AI-powered wealth advisor for bank mobile apps offering personalized product matching, investment consultation, and compliance-compliant customer interaction.

This skill is ready for commercial/non-commercial use.

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Digital banking teams, wealth management advisors, and compliance reviewers use this skill to draft bank mobile app wealth-advisory product matching logic, customer-facing advisory scripts, and compliance review checklists. The material is a drafting and design reference that requires qualified human review before customer-facing use.

### Deployment Geography for Use:

China

## Known Risks and Mitigations:

Risk: The skill's examples could lead to unsuitable or misleading financial recommendations if reused without strong human compliance review.

Mitigation: Use outputs only as drafting and design references, require review by qualified compliance and financial-advisory staff, and do not push generated recommendations directly to customers.

Risk: Customer profiles may include sensitive personal financial information.

Mitigation: Use anonymized or synthetic profiles for design and testing, avoid pasting real customer records into the skill, and follow the institution's data minimization, encryption, and retention controls.

Risk: Illustrative code and scripts are not a production recommendation engine.

Mitigation: Do not reuse snippets verbatim in production; adapt, test, and validate suitability checks, risk blocking, traceability, and recordkeeping in the deployment environment.

## Reference(s):

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

## Skill Output:

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

**Output Format:** [Markdown with illustrative Python and checklist snippets]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Outputs are advisory drafts and reference examples that require compliance, security, and qualified financial-advisor review before real-world use.]

## Skill Version(s):

3.0.3 (source: frontmatter and server 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/security-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/security-app-wealth-advisor",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T17:08:09.989Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-security-app-wealth-advisor/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-security-app-wealth-advisor/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-11T17:08:09.989Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1K downloads",
      "href": "https://clawhub.ai/gechengling/security-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/security-app-wealth-advisor",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T17:08:09.989Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "3.0.3",
      "href": "https://clawhub.ai/gechengling/security-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/security-app-wealth-advisor",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-14T06:10:31.802Z",
      "isPublic": true
    },
    {
      "factKey": "handshake_status",
      "category": "security",
      "label": "Handshake status",
      "value": "UNKNOWN",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-security-app-wealth-advisor/trust",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-security-app-wealth-advisor/trust",
      "sourceType": "trust",
      "confidence": "medium",
      "observedAt": null,
      "isPublic": true
    }
  ],
  "events": [
    {
      "eventType": "release",
      "title": "Release 3.0.3",
      "description": "v3.0.3: 修正 no-executable-code 与实际含示例代码的矛盾声明，补数据最小化声明；监管动态更新至 2026-09-14（适当性持续匹配、AI 对客输出复核、可回溯）；匹配引擎补调用示例与三项生产级校验；新增话术合规改写表与完整对客话术",
      "href": "https://clawhub.ai/gechengling/security-app-wealth-advisor",
      "sourceUrl": "https://clawhub.ai/gechengling/security-app-wealth-advisor",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-14T06:10:31.802Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

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