Xpersona
agentCLAWHUBUnverified

Wealth Copilot Digital Employee

覆盖客户机会扫描、外呼触达、配置策略、投教问答、资产诊断、资产配置优化、工作复盘、投资陪伴等全流程。理财顾问的全能财富管理助手。 Skill: Wealth Copilot Digital Employee Owner: gechengling Summary: 覆盖客户机会扫描、外呼触达、配置策略、投教问答、资产诊断、资产配置优化、工作复盘、投资陪伴等全流程。理财顾问的全能财富管理助手。 Tags: latest:2.0.9, wealth-copilot-digital-employee:2.0.9 Version history: v2.0.9 | 2026-09-25T05:55:12.859Z | user 修正执行边界表新增行的位置（置于分隔线之后） v2.0.8 | 2026-09-25T05:50:56.885Z | user 边界澄清：8处强制步骤改为推荐性表述；执行边界表新增3行；硬边界扩为五条；接口名明确非OpenClaw工具权限；监管动态更新至2026-09-25；两张表新增列；新增示例5-8 v2.0.7 | 2026-09-10

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.1k

Updated

Oct 11, 2026

Version

2.0.9

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
2.0.9release · observed Sep 25, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:wealth-copilot-digital-employee
  1. Setup complexity is classified as HIGH. You must provision dedicated cloud infrastructure or an isolated VM. Do not run this directly on your local workstation.
  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-wealth-copilot-digital-employee/snapshot"

Documentation

CLAWHUB

144,926 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Wealth Copilot Digital Employee"
slug: wealth-copilot-digital-employee
description: "覆盖客户机会扫描、外呼触达、配置策略、投教问答、资产诊断、资产配置优化、工作复盘、投资陪伴等全流程。理财顾问的全能财富管理助手。"
version: 2.0.9
allowed-tools: []
capabilities:
  - educational-reference
  - human-executed-workflow
  - requires-human-review
  - requires-human-execution
  - illustrative-code-samples
  - illustrative-data-source-labels
  - no-tool-permission-required
---

# Wealth Copilot Digital Employee / 财富管理副驾驶数字员工

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Reference workflow and analytical framework（作业流程参考与分析方法论，非可执行程序）
> - **本技能文件自身不含可执行脚本、安装钩子或凭证采集逻辑**；文中出现的命令、接口、代码片段均为说明性示例，供用户在所属机构环境中自行判断后使用
> - **文中描述的客户触达、资产诊断、配置建议、投教内容生成等动作，均为对机构既有作业流程的描述**，须由具备权限的人员在机构核心系统中执行并留痕，不由本技能自动完成
> - **所有配置比例、收益测算与产品净值以机构系统与产品合同为准**；文档中的收益示例仅为口径演示，不构成收益承诺
> - **All outputs are drafts for reference and require human review before application**
> - **This skill does NOT provide financial, legal, or insurance advice**；最终业务决策须由具备资质的专业人员作出
>
> **⚠️ 数据安全与人工确认要求**
> - 涉及个人信息、客户经营数据、健康医疗信息时，**须先脱敏再输入**（姓名用"张*"、证件号保留前6后4、账户保留后4位），遵循最小必要原则
> - 输出如需保存、归档或对外发送，**必须先预览并由责任人确认**后再执行，不得直接落盘或外发
> - 审计留痕与日志留存遵循所属机构制度与保存期限要求，不得超出授权范围留存敏感信息



---

## 执行边界说明（Execution Boundary）／请务必阅读

本技能是**机构作业流程的参考手册与判定标准**，不是自动化程序。为消除理解歧义，明确界定如下：

| 文中表述 | 真实含义 | 由谁执行 |
|---|---|---|
| 报告、服务记录、PDF、客户触达话术 | 均为**待预览确认的初稿文本**；是否保存、发送或归档由具备权限的人员在机构系统中办理，本技能不留存任何副本 | 具备权限的人员 |
| 接口名、函数名、参数示例 | **仅为说明性文字**，用于解释作业口径；既不是 OpenClaw 工具权限，也不代表本技能会调用对应能力（`allowed-tools` 为空） | 不适用（说明性） |
| 必须执行、不可跳过、强制执行 | 指**作业规范的推荐顺序**，用于保证输出完整；本技能不强制使用者执行任何步骤，使用者可随时中断或跳过 | 使用者 |
| 生成、输出、形成 | 生成**待确认的初稿/建议文本** | 模型生成，人工确认 |
| 保存、归档、留存、写入 | 指人员在机构既有系统中按制度执行，并按规定留痕 | 具备权限的人员 |
| 案件登记、结案、通知、发送 | 指人员在核心业务系统中操作 | 具备权限的人员 |
| 审计日志、追溯记录 | 指机构系统的既有留痕机制 | 机构系统 + 责任人 |
| 由具备权限的人员执行、自动生成 | 指**流程中的自动环节由机构系统完成**，本技能仅说明规则与判定口径 | 机构系统 |

**三条硬边界：**
1. 本技能不代替人做任何业务决定；所有结论在使用前须经具备资质的人员复核。
2. 本技能不保存、不外发、不留存任何客户数据；如需留存，由人员在机构受控环境中按制度办理。
3. 任何涉及资金、客户信息、监管报送的动作，均以机构系统与审批决议为准。
4. 本技能**不强制任何步骤**。文中“必须执行”“不可跳过”等字样，是作业规范上的推荐顺序，
   用于保证输出完整；使用者可随时中断、跳过或调整顺序，本技能不会因跳过而产生任何副作用。
5. 文中出现的接口名、函数名、参数示例均为**说明性文字**，既不是 OpenClaw（或任何宿主）的工具权限声明，
   也不代表本技能会调用对应能力；`allowed-tools` 为空，本技能不要求任何工具权限。


## Skill Overview / 技能概览

财富管理副驾驶数字员工，集成以下9项核心能力模块：

1. **Module 1: 客户机会扫描**
2. **Module 2: 客户触达**
3. **Module 3: 配置策略**
4. **Module 4: 投教问答**
5. **Module 5: 资产诊断**
6. **Module 6: 资产配置**
7. **Module 7: 工作复盘**
8. **Module 8: 投资陪伴**
9. **Module 9: 模板参考**

---


---

## Module 1: 客户机会扫描

### Client Kyc Profiling

# 客户KYC画像

## 可用工具

由具备权限的人员在机构系统中使用以下 机构既有数据来源，执行流程中按需选用：

**盈米金融数据（qieman）**
- 核心能力：基金搜索/诊断、组合分析/回测、资产配置方案、CFP 工具链、图表渲染
- 机构既有功能（由具备权限的人员操作）：`AnalyzeFamilyMembers`, `AnalyzeFinancialIndicators`, `AnalyzeAssetLiability`, `GetFundAssetClassAnalysis`

**恒生聚源金融数据（gildata-aidata）**
- 核心能力：个股研究(A/H/US)、财务报表、资金流向、研报舆情、理财产品、宏观数据
- 机构既有可选功能（由具备权限的人员操作）：`CompanyBasicInfo`, `ProductBasicInfoList`

## 输入要求

### 必填信息（通过上下文注入）
- 客户基本信息：姓名、年龄、职业、风险等级
- 持仓概况

### 可选信息
- 家庭成员情况（配偶、子女年龄）
- 收入支出概况
- 资产负债情况
- 投资经验和偏好

## 执行流程

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "wealth-copilot-digital-employee",
  "version": "2.0.9",
  "publishedAt": 1790315712859
}

skill-card.md

## Description:

A Chinese-language reference workflow that helps wealth advisers draft client outreach, investment education, portfolio diagnostics, allocation ideas, and follow-up plans for human review.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Wealth-management staff use this reference workflow to prepare client segmentation, outreach scripts, portfolio reviews, allocation proposals, and educational responses. Qualified staff review drafts and perform any client-facing or account actions through approved institutional processes.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Client identity, account, or household financial data could be exposed if entered unnecessarily.

Mitigation: Minimize and de-identify inputs; omit full identity and account numbers and use institution-approved data sources.

Risk: Unreviewed allocation ideas or educational text could misstate suitability, product terms, or expected returns.

Mitigation: Have qualified staff verify risk suitability, current product documents, and disclosures before using any draft.

Risk: Draft reports or client messages could be saved or sent without authorization.

Mitigation: Require authorized human preview and approval; save or send only through approved institutional systems.

## Reference(s):

- [Wealth Copilot Digital Employee on ClawHub](https://clawhub.ai/gechengling/skills/wealth-copilot-digital-employee)

## Skill Output:

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

**Output Format:** [Chinese-language draft reports, tables, and client communication text]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Reference-only drafts requiring professional review; no automatic account actions, report storage, or client messaging.]

## Skill Version(s):

2.0.9 (source: release evidence and SKILL.md frontmatter)

## 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/wealth-copilot-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/wealth-copilot-digital-employee",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T06:55:40.914Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-wealth-copilot-digital-employee/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-wealth-copilot-digital-employee/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-11T06:55:40.914Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1.1K downloads",
      "href": "https://clawhub.ai/gechengling/wealth-copilot-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/wealth-copilot-digital-employee",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T06:55:40.914Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "2.0.9",
      "href": "https://clawhub.ai/gechengling/wealth-copilot-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/wealth-copilot-digital-employee",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-25T05:55:12.859Z",
      "isPublic": true
    },
    {
      "factKey": "handshake_status",
      "category": "security",
      "label": "Handshake status",
      "value": "UNKNOWN",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-wealth-copilot-digital-employee/trust",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-wealth-copilot-digital-employee/trust",
      "sourceType": "trust",
      "confidence": "medium",
      "observedAt": null,
      "isPublic": true
    }
  ],
  "events": [
    {
      "eventType": "release",
      "title": "Release 2.0.9",
      "description": "修正执行边界表新增行的位置（置于分隔线之后）",
      "href": "https://clawhub.ai/gechengling/wealth-copilot-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/wealth-copilot-digital-employee",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-25T05:55:12.859Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

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