Connect OpenClaw to your bank via Plaid for read-only spending tracking and AI-powered financial insights. Use when a user says anything like "connect my bank", "track my spending", "how much did I spend", "help me save money", "analyze my finances", "what am I spending on", or "financial insights". Handles Plaid Link connection flow, transaction fetching, spending analysis, savings advice, and budget questions. READ-ONLY access only — never moves or modifies money.
Connect your bank account (read-only) and ask Claude anything about your money.
You need free Plaid API keys:
client_id and sandbox secret from the dashboardpython3 ~/.openclaw/skills/openclaw-finance/scripts/setup.pyStore credentials in ~/.openclaw/skills/openclaw-finance/config.json:
{
"plaid_client_id": "...",
"plaid_secret": "...",
"plaid_env": "sandbox",
"connected_at": null,
"access_token": null
}
Run the connection script — it starts a local server, opens Plaid Link in the browser:
python3 ~/.openclaw/skills/openclaw-finance/scripts/connect_bank.py
This:
transactions, balance, accounts)http://localhost:8766 in the browser with Plaid Link UIconnected_at timestamp to configAlways check token expiry before fetching. Run:
python3 ~/.openclaw/skills/openclaw-finance/scripts/get_transactions.py --days 30
python3 ~/.openclaw/skills/openclaw-finance/scripts/get_accounts.py
Both return JSON. Parse and use to answer spending questions.
After fetching data, use the spending analysis script to aggregate:
python3 ~/.openclaw/skills/openclaw-finance/scripts/spending_analysis.py --days 30
Returns spending by category, top merchants, daily averages, and savings opportunities.
Use this context to answer questions like:
transactions, balance, accountsauth, identity, investments, liabilities, payment_initiation~/.openclaw/skills/openclaw-finance/config.json — never sent anywherereferences/security.md for full security policyCheck with: python3 ~/.openclaw/skills/openclaw-finance/scripts/check_token.py
VALID, EXPIRING_SOON (< 30 days), or EXPIREDconnect_bank.py again