{
  "$schema": "https://agentskills.io/schemas/v0.2.0/index.json",
  "name": "open-money",
  "version": "1.0.0",
  "description": "Skills exposed by Open Money for agents acting on behalf of finance teams. Read freely; write only with supervised approval.",
  "publisher": {
    "name": "Open Financial Technologies",
    "url": "https://open.money"
  },
  "skills": [
    {
      "name": "read.balances",
      "type": "function",
      "description": "Return live liquidity across all connected bank accounts, by entity, currency and rail.",
      "url": "https://app.open.money/mcp/skills/read.balances",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "read.transactions",
      "type": "function",
      "description": "Query Smart Statement — every transaction tagged at source, across 40+ banks. Plain-English filters supported.",
      "url": "https://app.open.money/mcp/skills/read.transactions",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "read.reconciliation",
      "type": "function",
      "description": "Inspect reconciliation status — PG, POS, marketplace, payroll. Three-way matched outcomes per transaction.",
      "url": "https://app.open.money/mcp/skills/read.reconciliation",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "read.forecast",
      "type": "function",
      "description": "13-week cash forecast across entities. Returns probability bands and assumption inputs.",
      "url": "https://app.open.money/mcp/skills/read.forecast",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "draft.payment",
      "type": "function",
      "description": "Draft a payment for human approval. The agent does not execute — a human maker-checker signs off before money moves.",
      "url": "https://app.open.money/mcp/skills/draft.payment",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "draft.payable",
      "type": "function",
      "description": "OCR an invoice, three-way match against PO and GRN, and draft for approval.",
      "url": "https://app.open.money/mcp/skills/draft.payable",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "draft.gst-return",
      "type": "function",
      "description": "Prepare GSTR-1, 3B or 9 against transactions in Smart Statement, with ITC reconciliation. Filing requires human approval.",
      "url": "https://app.open.money/mcp/skills/draft.gst-return",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    },
    {
      "name": "act.sweep",
      "type": "function",
      "description": "Move idle balances into FD or sweep accounts per pre-approved policy. Within policy = autonomous; outside = drafted for approval.",
      "url": "https://app.open.money/mcp/skills/act.sweep",
      "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
    }
  ],
  "supervision": {
    "model": "human-in-the-loop",
    "details": "Read skills (read.*) execute on agent authority within OAuth scope. Drafting skills (draft.*) prepare actions for human approval. Acting skills (act.*) execute only within pre-approved policy envelopes; out-of-policy actions fall back to drafting."
  }
}