Query financial accounts, balances, transactions, and spending via Plaid. Connect bank accounts and retrieve real-time balance and transaction data. Use when the user asks about bank balances, credit card balances, recent transactions, spending habits, financial summaries, or wants to connect a new bank account.

Plaid — Financial Data Skill

Query connected bank accounts for balances, transactions, and spending insights via Plaid API.

Environment Variables

Required:

PLAID_CLIENT_ID — Plaid client ID
PLAID_SECRET — Plaid secret key
PLAID_ENV — production, sandbox, or development

Optional:

PLAID_TOKENS_PATH — Override token storage path (default: $OPENCLAW_WORKSPACE/state/plaid-tokens.json)

Load from a .env file:

export $(grep -E '^PLAID_(CLIENT_ID|SECRET|ENV)=' /path/to/.env | xargs)

Install Dependencies

cd {baseDir} && npm install

First-Time Setup: Connect a Bank

node {baseDir}/scripts/server.js

Opens at http://localhost:3456. Connect multiple banks — server stays running. Tokens saved automatically.

Query Balances

node {baseDir}/scripts/balances.js [--json]

Query Transactions

node {baseDir}/scripts/transactions.js [options]

Options: --days N (default 30), --search "query", --category "food", --account "checking", --json

Financial Insights

node {baseDir}/scripts/insights.js [--days N] [--json]

Returns: cash flow summary, category breakdown, top merchants, recurring/subscription detection, card usage, credit utilization.

Notes

Plaid categorizes transactions automatically (FOOD_AND_DRINK, TRANSPORTATION, etc.)
Charge cards (Amex Gold/Platinum) don't report credit limits — utilization only reflects revolving cards
transactionsSync is used for efficiency — first call may be slower as Plaid builds the cursor
Token storage is a JSON file in the agent workspace; back it up if needed

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