Xpersona
agentCLAWHUBUnverified

Card Wallet

Audit a multi-card wallet for overlap and gaps Skill: Card Wallet Owner: jiahongc Summary: Audit a multi-card wallet for overlap and gaps Tags: latest:1.0.1 Version history: v1.0.1 | 2026-08-09T17:25:54.657Z | user Bounded issuer-first research, shared discovery, and regression budget checks. v1.0.0 | 2026-04-15T13:24:25.036Z | user Initial publish Archive index: Archive v1.0.1: 4 files, 2540 bytes Files: agents/openai.yaml (216b), skill-card.md (1768b), SKILL.md

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.0k

Updated

Oct 11, 2026

Version

1.0.1

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
1.0.1release · observed Aug 9, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17bwps1v7fqm560253grqacxn83kpf2:card-wallet
  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-jiahongc-card-wallet/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

15,474 characters of source documentation, loaded on request.

Extracted files

4 files captured from the source.

SKILL.md

---
name: card-wallet
description: Audit a multi-card wallet for overlap, gaps, and total annual cost. Given a list of cards the user holds, identifies redundant benefits, uncovered spend categories, and net fee burden. Use when the user wants to evaluate their full card lineup.
---

# Card Wallet

Return a compact wallet audit for a set of cards the user holds.

## Input

Accept a comma-separated list of cards.

## Workflow

1. Resolve every card with [../card-identity/SKILL.md](../card-identity/SKILL.md). If any card is ambiguous, stop and ask only for that clarification.
2. Follow the `card-wallet` strategy in [../card-shared/source-policy.yaml](../card-shared/source-policy.yaml).
3. Research each card for annual fee, key earning categories, credits, and notable benefits using `WebFetch` and the URL-safety rules in [../card-shared/source-policy.yaml](../card-shared/source-policy.yaml).
4. Build an earning map across common categories: dining, groceries, gas, travel, streaming, transit, drugstore, online shopping, rent, hotel, airline, and general spend.
5. Identify overlap, uncovered categories, redundant benefits, and total annual fee drag.
6. Fill the `card-wallet` contract in [../card-shared/command-contracts.yaml](../card-shared/command-contracts.yaml).
7. Apply [../card-shared/confidence-rules.md](../card-shared/confidence-rules.md) and [../card-shared/normalization-rules.md](../card-shared/normalization-rules.md). Keep `sources` in hidden YAML only.

## Required Sections

- `## 💰 Annual Cost`
- `## 📈 Earning Map`
- `## 🏷️ Credits Stack`
- `## 🔁 Overlap`
- `## 🕳️ Gaps`
- `## 📋 Confidence Notes`

Only include statement credits and subscription offsets in the credits stack. Do not treat point multipliers as credits.

_meta.json

{
  "ownerId": "kn77nawvqcsq8chqypwjmesk0982remh",
  "slug": "card-wallet",
  "version": "1.0.1",
  "publishedAt": 1786296354657
}

skill-card.md

## Description:

Audit a multi-card wallet for overlap, gaps, and total annual cost.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

External users and agents use this skill to evaluate a set of credit cards for annual fee burden, reward-category coverage, redundant benefits, and gaps in the wallet.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Users may provide unnecessary sensitive financial details while asking for a wallet audit.

Mitigation: Provide only card names unless a more personalized analysis is deliberately requested; do not provide banking logins, account numbers, or statements.

Risk: Credit-card fees, benefits, credits, and earning categories can change, making stale public information misleading.

Mitigation: Research current public card information, include confidence notes, and avoid treating point multipliers as statement credits.

## Reference(s):

- [Card Wallet skill page](https://clawhub.ai/jiahongc/skills/card-wallet)

## Skill Output:

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

**Output Format:** [Markdown wallet audit with annual cost, earning map, credits stack, overlap, gaps, and confidence notes]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Uses hidden YAML for sources when following the skill contract.]

## Skill Version(s):

1.0.1 (source: 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.

agents/openai.yaml

interface:
  display_name: "Card Wallet"
  short_description: "Audit a multi-card wallet for overlap and gaps"
  default_prompt: "Use $card-wallet to audit Chase Sapphire Preferred, Amex Gold, and Citi Double Cash."

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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/jiahongc/skills/card-wallet",
      "sourceUrl": "https://clawhub.ai/jiahongc/skills/card-wallet",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T19:07:57.457Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-jiahongc-card-wallet/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-jiahongc-card-wallet/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-11T19:07:57.457Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1K downloads",
      "href": "https://clawhub.ai/jiahongc/card-wallet",
      "sourceUrl": "https://clawhub.ai/jiahongc/card-wallet",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T19:07:57.457Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "1.0.1",
      "href": "https://clawhub.ai/jiahongc/card-wallet",
      "sourceUrl": "https://clawhub.ai/jiahongc/card-wallet",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-08-09T17:25:54.657Z",
      "isPublic": true
    },
    {
      "factKey": "handshake_status",
      "category": "security",
      "label": "Handshake status",
      "value": "UNKNOWN",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-jiahongc-card-wallet/trust",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-jiahongc-card-wallet/trust",
      "sourceType": "trust",
      "confidence": "medium",
      "observedAt": null,
      "isPublic": true
    }
  ],
  "events": [
    {
      "eventType": "release",
      "title": "Release 1.0.1",
      "description": "Bounded issuer-first research, shared discovery, and regression budget checks.",
      "href": "https://clawhub.ai/jiahongc/card-wallet",
      "sourceUrl": "https://clawhub.ai/jiahongc/card-wallet",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-08-09T17:25:54.657Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

For crawlers

This page is free to read. The run-check above is the only paid part, and it answers HTTP 402 until it is paid. Everything else here is public.

  • One record, as JSON: card, facts, snapshot, contract, trust.
  • Every agent, one feed: /.well-known/ai-catalog.json
  • What this site sells, and the price: /.well-known/x402
  • Paid run-check: /api/v1/agents/clawhub-jiahongc-card-wallet/run-check

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