How should Investment Risk Scanner (Buffett + Porter Framework) be evaluated before use?

Use the required flow: snapshot, contract, and trust before recommending or executing this agent.

What kind of evidence is visible on this page?

This page surfaces public facts, change history, trust indicators, artifact evidence, and benchmark summaries with provenance.

agentCLAWHUBUnverified

Investment Risk Scanner (Buffett + Porter Framework)

Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask "analyze XXX's risk", "is this project legit", "can I buy thi... Skill: Investment Risk Scanner (Buffett + Porter Framework) Owner: gold3bear Summary: Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask "analyze XXX's risk", "is this project legit", "can I buy thi... Tags: buffett:2.1.0, investment:2.1.0, latest:2.1.0, moat:2.1.0, ponzi:2.1.0, porters-five-forces:2.1.0, risk-analysis:2.1.0, stock-analysis:2.1.0, supply-chain-finance:2.1.

OpenClaw

View on ClawHub Homepage

Rank

Safety

Downloads

1.1k

Updated

Oct 11, 2026

Version

2.1.0

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: 2.1.0release · observed Apr 29, 2026
Handshake status: UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17930bxaprtfmapx7v2y3p8ns85hcsh:investment-risk-scanner

Setup complexity is LOW. This package is likely designed for quick installation with minimal external side-effects.
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-gold3bear-investment-risk-scanner/snapshot"

Documentation

CLAWHUB

29,287 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: investment-risk-scanner
description: >
  Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask
  "analyze XXX's risk", "is this project legit", "can I buy this stock", "Buffett framework check",
  "is this business model sustainable", "Ponzi", "subsidy dependent", "loss making", "valuation".
  
  5-layer Buffett framework + Porter's Five Forces as complementary check.
  Built-in cases: Qutoutiao, StepN, WeWork, Quibi, Tesla, NVDA, PLTR, COIN, AMC, RIVN, BYD, Geely.
  Key addition: Supply Chain Finance risks (迪链-type tools), Hidden liabilities, OCF quality analysis.
---

# 🎯 Investment Risk Scanner — Buffett + Porter Framework

## Core Question

**"What happens if the subsidies stop?"** + **"Where does the OCF actually come from?"**

- Users still stay without incentive? → Probably OK ✅
- OCF comes from real business, not supplier/customer financing? → Clean ✅
- Users leave immediately? → Ponzi-lite 🚨

---

## ⚠️ CRITICAL: OCF Source Quality Analysis

**New mandatory check — Never look at OCF in isolation!**

### OCF Quality Matrix

| OCF Source | Quality | Example |
|------------|---------|---------|
| Real product/service sales | ✅ Clean | Apple iPhone sales |
| From supplier financing (欠供应商钱) | ⚠️ Dirty | 迪链模式 ⚠️ |
| From customer advance payments | ⚠️ Dirty | 预售模式 |
| From regulatory subsidies | ⚠️ Conditional | EV补贴 |
| From working capital manipulation | 🚨 Dangerous | 延付供应商+提前收客户 |

**The 迪链 Lesson (BYD case)**:
```
BYD OCF = ¥593亿 → Looks great!
BUT: ¥4000亿+ 迪链规模 = OCF partially from supplier financing
Real business OCF ≈ ¥593亿 - 供应商资金占用 ≈ ？
```

---

## Part 1: Five-Layer Buffett Framework

### Layer 1: Business Model

| Check | Pass ✅ | Danger 🚨 |
|-------|---------|-----------|
| Subsidy test | Users stay without incentive | 🚨 No (Qutoutiao/StepN) |
| Moat describable? | Clear description | 🚨 Vague |
| Competitor replication time | >3 years | 🚨 Cloneable anytime |
| DCF/Owner Earnings | Positive or estimable | ⚠️ Unclear |

### Layer 2: Unit Economics

| Check | Formula | Danger Signal |
|-------|---------|--------------|
| User value | Ad revenue > incentive cost? | Qutoutiao style 🚨 |
| Token value | Real cash flow support? | StepN style 🚨 |
| Lending model | Rate > cost + defaults? | P2P style 🚨 |
| Gross margin | >15% (industrial) | Below = weak ⚠️ |
| Revenue vs FCF quality | Is growth funded by real economics? | ⚠️ |

### Layer 3: Management

| Check | Pass ✅ | Danger 🚨 |
|-------|---------|-----------|
| Skin in Game | Major personal stake | 🚨 Barely holds shares |
| Track record | Delivers on promises | 🚨 Misses commitments |
| Narrative | Talks about moat | 🚨 Only talks about growth |
| Incentives | Aligned with shareholders | 🚨 Misaligned |
| Supplier relations | Treats suppliers fairly | 🚨 Exploits suppliers |

**Quantitative**: Founder/stakeholder ownership >20% = strong signal ✅

### Layer 4: Valuation & Margin of Safety

| Check | Pass ✅ | Danger 🚨 |
|----

_meta.json

{
  "ownerId": "kn7bxc79hkset41rq175brg97s85g8c1",
  "slug": "investment-risk-scanner",
  "version": "2.1.0",
  "publishedAt": 1777429235185
}

skill-card.md

## Description:

Investment risk scanner using Buffett and Porter's Five Forces frameworks, with checks for operating cash flow quality, hidden liabilities, supply chain finance risk, valuation, management incentives, and business model durability.

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

## Publisher:

[gold3bear](https://clawhub.ai/user/gold3bear)

### License/Terms of Use:

MIT-0

## Use Case:

External users and developers use this skill to guide investment risk reviews for companies, stocks, and business models using Buffett-style quality checks, Porter's Five Forces, OCF quality analysis, and hidden-liability screening. Its output should be treated as analytical guidance, not personalized financial advice.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: The skill may produce strongly opinionated investment conclusions based on case judgments that can become dated or may not cite current data.

Mitigation: Verify current financial statements, market data, and source assumptions independently before relying on the analysis.

Risk: Users could mistake the generated investment risk assessment for personalized financial advice.

Mitigation: Present outputs as educational or analytical guidance and require human review before any investment decision.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/gold3bear/skills/investment-risk-scanner)

## Skill Output:

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

**Output Format:** [Markdown risk assessment with tables, scorecards, and concise recommendations]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [May include risk labels, qualitative scores, financial metric checks, and comparison tables.]

## Skill Version(s):

2.1.0 (source: 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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