A procedure for importing LHV bank statements directly into Merit Aktiva, an accounting program. LHV is an Estonian bank, and its read-only MCP service provides camt.053 XML, a standard bank-statement format that Merit can import.

Use it to connect an LHV account, retrieve a statement, and import it into Merit Aktiva for later payment matching and reconciliation.

It avoids exporting, converting, or manually parsing a statement file. It also explains the authentication, 31-day access window, and multi-currency issues that can cause an import to fail.

merit-lhv — Skill for Claude Code by Elnora-AI/elnora-merit-aktiva

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent

npx skills add Elnora-AI/elnora-merit-aktiva --skill merit-lhv

Clone the repo

git clone --depth 1 https://github.com/Elnora-AI/elnora-merit-aktiva

Made for: Claude Code.

Or install merit-aktiva-workspace, the plugin that ships this one along with the rest of its 18 skills, 5 commands, 3 agents, 1 MCP server.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

README.md

[![agentmods](https://agentmods.dev/badge/skills/elnora-ai/elnora-merit-aktiva/merit-lhv/github.svg)](https://agentmods.dev/skills/elnora-ai/elnora-merit-aktiva/merit-lhv)

Your own site

<a href="https://agentmods.dev/skills/elnora-ai/elnora-merit-aktiva/merit-lhv"><img src="https://agentmods.dev/badge/skills/elnora-ai/elnora-merit-aktiva/merit-lhv/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

Your own site · 80×15

<a href="https://agentmods.dev/skills/elnora-ai/elnora-merit-aktiva/merit-lhv"><img src="https://agentmods.dev/badge/skills/elnora-ai/elnora-merit-aktiva/merit-lhv.svg" alt="Reviewed on agentmods" width="80" height="20"></a>

Per session 227 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.

When invoked 3,216 The whole file, excluding the scripts and references it only reads on demand.

Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe. Third-party audits

NVIDIA SkillSpector pass 7 Sept 2026

How audits are shown

Origin original No closer match found in the catalogue.

Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

Model	Per session	Once invoked
Fable 5.1	$0.00227	$0.03216
Opus 5.5	$0.00091	$0.01286
Sonnet 5.5	$0.00045	$0.00643
Haiku 4.5	$0.00023	$0.00322

Measured 2mo ago against content hash 22f0236bc356, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

merit-lhv scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 2mo ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/merit-lhv/SKILL.md · 220 lines

How it starts

The opening of the file, as written. The whole thing — 220 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Merit + LHV

LHV publishes an official MCP server (lhv.ai) that returns raw camt.053 XML — the exact format elnora-merit payments import-statement already accepts. So there is no exporter, no parser, and no bank client in this repo: the bank hands you a statement and Merit eats it. This skill is the procedure and the traps.

For the transaction-type rules once rows are in Merit, see merit-payments-bank. That skill owns the booking model; this one only owns getting the statement across.

Connect LHV (once, ~2 minutes)

This plugin ships the LHV MCP server in its .mcp.json. It appears as lhv and is unauthenticated until the user connects it — the plugin holds no bank credentials.

Run /mcp, pick lhv, choose Authenticate.
The browser opens LHV's own sign-in. Authenticate with Smart-ID, Mobile-ID, ID-card, or biometrics — the same way as the internet bank.
On the consent screen pick scopes: accounts:read, transactions:read, or both. Importing statements needs both.

Nothing is stored by this plugin. The token lives in the user's MCP client, stays valid for 30 days, and is revoked from the internet bank under Settings → Active sessions.

Read-only, structurally. LHV exposes no write scope at all — an assistant can read accounts and transactions and can never move money. Do not add bank credentials to .env for this flow; it does not need them.

Non-Estonian Merit users (MERIT_LOCALIZATION=pl) have no LHV account; the server will simply sit unauthenticated and unused.

The four LHV tools

Tool	Scope	Returns
`list_accounts`	`accounts:read`	IBAN, currency, availableBalance, type, name
`get_balances(iban)`	`accounts:read`	available + settled + reserved
`get_transactions(iban, dateFrom, dateTo)`	`transactions:read`	raw camt.053 XML, max 31 days
`get_transactions_summary(iban, dateFrom, dateTo)`	`transactions:read`	totals, top counterparties, `truncated` flag

Read the full file on GitHub · 220 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

2mo ago First seen · 220 lines · 227 tokens per session scan A 22f0236bc356

Subscribe to this mod's changes

merit-lhv is a skill published in the GitHub repository Elnora-AI/elnora-merit-aktiva (10 stars, last pushed 5d ago), licensed Apache-2.0. It adds 227 tokens to every session and 3,216 once invoked, about $0.0009 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.

Claude Code Finance and fintech accounting api-client claude-code-plugin cli estonia

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