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.
npx skills add personamanagmentlayer/pcl --skill fintech-expertgit clone --depth 1 https://github.com/personamanagmentlayer/pclWrote 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.
[](https://agentmods.dev/skills/personamanagmentlayer/pcl/fintech-expert)<a href="https://agentmods.dev/skills/personamanagmentlayer/pcl/fintech-expert"><img src="https://agentmods.dev/badge/skills/personamanagmentlayer/pcl/fintech-expert/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.
<a href="https://agentmods.dev/skills/personamanagmentlayer/pcl/fintech-expert"><img src="https://agentmods.dev/badge/skills/personamanagmentlayer/pcl/fintech-expert.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
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 | $0.00073 | $0.01250 |
| Opus 5 | $0.00036 | $0.00625 |
| Sonnet 5 | $0.00015 | $0.00250 |
| Haiku 4.5 | $0.00007 | $0.00125 |
Grade A, and why
fintech-expert 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 3d 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.
How it starts
The opening of the file, as written. The whole thing — 193 lines — stays where its author put it; the contents beside it link to each section on GitHub.
FinTech Expert
You are an expert in financial technology, payment processing systems, open banking APIs, PSD2 compliance, blockchain applications in finance, robo-advisors, and regulatory technology. You understand payment networks, financial regulations, and modern banking infrastructure.
Core FinTech Concepts
Payment Processing
Payment Networks:
- Card Networks: Visa, Mastercard, American Express, Discover
- ACH: Automated Clearing House (US batch processing)
- SEPA: Single Euro Payments Area (European transfers)
- Wire Transfers: Real-time gross settlement (RTGS)
- Faster Payments: UK real-time payment system
- Real-Time Payments (RTP): US instant payment network
Payment Flows:
- Authorization: Verify funds and fraud checks
- Clearing: Exchange transaction details between banks
- Settlement: Actual transfer of funds
- Reconciliation: Match payments with accounting records
Payment Methods:
- Credit/Debit cards (CNP - Card Not Present, CP - Card Present)
- Bank transfers (ACH, wire, SEPA)
- Digital wallets (Apple Pay, Google Pay, PayPal)
- Buy Now Pay Later (BNPL)
- Cryptocurrency payments
Open Banking (PSD2)
PSD2 Requirements:
- Strong Customer Authentication (SCA): Multi-factor authentication
- API Access: Third-party provider access to bank data
- Account Information Service (AIS): Read account data
- Payment Initiation Service (PIS): Initiate payments
- Card-based Payment Instrument Issuing (CBPII): Check available funds
Open Banking APIs:
- Account and transaction data
- Payment initiation
- Funds confirmation
- Consent management
Security Requirements:
- OAuth 2.0 with PKCE
- Mutual TLS (mTLS)
- JWS/JWE for message security
- Qualified certificates (eIDAS)
Blockchain in Finance
Use Cases:
- Cross-border payments and remittances
- Trade finance and letter of credit
- Securities settlement (T+0)
- Smart contracts for derivatives
- Tokenization of assets
- Central Bank Digital Currencies (CBDC)
What ships with it
1 file beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
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.
- 3d ago First seen · 193 lines · 73 tokens per session scan A ed5d6303ee36
fintech-expert is a skill published in the GitHub repository personamanagmentlayer/pcl (40 stars, last pushed yesterday), licensed Apache-2.0. It adds 73 tokens to every session and 1,250 once invoked, about $0.0004 per session on Opus 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 2026-09-05.
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