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Agent skill

Fintech Advisor

by borghei in borghei/Claude-Skills

Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance.

MITAuto-check passedBusiness, Finance & HR

Install Fintech Advisor

skills CLI
$ npx skills add borghei/Claude-Skills --skill fintech-advisor -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install borghei/Claude-Skills fintech-advisor --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/borghei/Claude-Skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/vertical-advisors/fintech-advisor .claude/skills/fintech-advisor && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
fintech-advisor
GitHub stars
881
Token cost
~1.7k tokens
SKILL.md length
750 words
Files
7 (incl. scripts, references, assets)
Skills in repo
349
Repo updated
First seen
Licence
MIT

At a glance

Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance.

  • Works in 3 steps: Write a 1-paragraph description of what… → Run python… → Use the output as input to a…
  • Scoping a fintech idea
  • SKILL.md covers Table of Contents, Keywords, Quick Start and Core Workflows, plus 5 more sections
  • Runs Python scripts from its folder; calls python

What it does

Fintech Advisor is an agent skill from borghei/Claude-Skills. Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance. Use when scoping a fintech idea or regulatory exposure, or mentioning fintech, money transmitter, neobank, KYC, or PSD2.

Its SKILL.md is about 1.7k tokens, which your agent loads only when the skill is triggered. The skill folder holds 9 other files, including scripts, reference files and assets (for example `assets/regulatory_architecture_template.md`, `references/embedded_finance_patterns.md` and `references/kyc_aml_basics.md`).

It sits in Business, Finance & HR, covering Banking and insurance. The repository describes itself as: 385 AI skills, 77 expert agents, and 900 stdlib Python tools for every team: engineering, PM, marketing, C-level, compliance, business ops, research, and a LinkedIn toolkit… The licence is MIT.

When your agent uses it

  • Scoping a fintech idea
  • Regulatory exposure
  • Mentioning fintech
  • Money transmitter

Example prompts

  • “/fintech-advisor”

Requirements

  • Python 3

Workflow steps

3 steps, taken from the first numbered list in SKILL.md.

  1. Write a 1-paragraph description of what your fintech does (who pays whom, in what form, who holds the funds)
  2. Run python scripts/regulatory_trigger_checker.py business_description.txt
  3. Use the output as input to a conversation with a fintech-licensed lawyer — never as the conclusion

What it can do on your machine

Read from SKILL.md and the folder at commit 4a698e8. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    Ships 1 file in scripts/ (Python), which the agent can run.

    Shell commands in SKILL.md call:

    • python

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Fintech Advisor loads about 1.7k tokens when it runs, and up to ~8.4k if it reads all its reference files. Until then it costs about 64 tokens; SKILL.md has 750 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~64
When it runs · the whole SKILL.md, loaded when a task matches
~1.7k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~8.4k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.

SKILL.md

The full file from borghei/Claude-Skills at commit 4a698e8, republished under its MIT licence (© borghei). 750 words, ~1,684 tokens.

Download SKILL.mdSave it as .claude/skills/fintech-advisor/SKILL.md (or your agent's skills folder). This skill also uses 6 other files; get the full folder from GitHub.
name
fintech-advisor
description
Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance. Use when scoping a fintech idea or regulatory exposure, or mentioning fintech, money transmitter, neobank, KYC, or PSD2.
license
MIT + Commons Clause
metadata.version
1.0.0
metadata.author
borghei
metadata.category
vertical-advisors
metadata.domain
fintech
metadata.updated
2026-05-04
metadata.python-tools
regulatory_trigger_checker.py
metadata.tech-stack
fintech, banking, payments

Fintech Advisor

Strategic frameworks for fintech founders, operators, and product leaders. Knowledge-heavy by design — the right answer in fintech is usually a regulatory and economic judgment, not a calculation.

Disclaimer: This skill provides frameworks and orientation. It is not legal, regulatory, securities, tax, or investment advice. Every fintech business needs licensed legal counsel. Use this skill to organize internal thinking; engage specialist counsel for binding decisions.

Table of Contents

Keywords

fintech, payments, banking, neobank, lending, money transmitter, KYC, AML, PSD2, open banking, BaaS, banking-as-a-service, embedded finance, card issuing, ACH, SEPA, stablecoin, crypto, broker-dealer, RIA, regulation, compliance

Quick Start

Initial Regulatory Triage in 10 Minutes
  1. Write a 1-paragraph description of what your fintech does (who pays whom, in what form, who holds the funds)
  2. Run python scripts/regulatory_trigger_checker.py business_description.txt
  3. Use the output as input to a conversation with a fintech-licensed lawyer — never as the conclusion
License vs. Partner Decision
  1. Read references/license_vs_partner_playbook.md
  2. For each capability you need (hold funds, issue cards, originate loans, send payments), decide: get a license, or partner with a licensed entity (BaaS, sponsor bank)
  3. Most early-stage fintechs partner. License only if the unit economics or moat absolutely require it.

Core Workflows

Workflow 1: Regulatory Exposure Scoping

Goal: Understand which US / EU regulatory regimes a proposed fintech business model triggers, before committing to architecture.

Steps:

  1. Write a clear business description: who pays whom, what is held by whom, where the entity operates
  2. Run the trigger checker for a quick orientation
  3. Map each trigger to the relevant regulator (FinCEN, OCC, state banking commissioners, SEC, CFPB, FCA, BaFin, ACPR)
  4. Engage specialist counsel before designing infrastructure
  5. Document the regulatory architecture as part of the company's compliance file

Time Estimate: 4-8 weeks of legal scoping for a meaningful new build.

Workflow 2: License vs. Partner

Goal: Decide whether to get the regulated capability yourself, or buy it from a partner.

Steps:

  1. List capabilities needed: KYC/identity, custody, issuing, acquiring, lending, FX, deposit-taking
  2. For each, score on the 4-axis grid in license_vs_partner_playbook.md: cost, time, control, economics
  3. Pick partners only where the regulator-of-record relationship can survive partner failure
  4. Document fallback plans if the partner is ever rate-limited, deprecates, or fails

Time Estimate: 6-12 weeks for major capability decisions.

Workflow 3: KYC/AML Program Design

Goal: Build a KYC/AML program that satisfies regulators and doesn't kill conversion.

Steps:

  1. Read references/kyc_aml_basics.md
  2. Design tiered KYC: minimal at signup, enhanced when usage patterns trigger thresholds
  3. Pick risk-scoring vendor (Alloy, Sardine, Persona, Onfido) and write integration plan
  4. Establish ongoing monitoring: transaction monitoring rules, periodic refresh, sanctions / PEP screening
  5. Engage MLRO (Money Laundering Reporting Officer) before going live

Time Estimate: 8-16 weeks for first-time program design.

Show full SKILL.md (287 more words)Show less

Tools

regulatory_trigger_checker.py

Scans a business description for keywords and patterns that map to regulatory regimes in the US and EU. Output is a list of candidate triggers, not a legal opinion.

bash
python scripts/regulatory_trigger_checker.py business_description.txt
python scripts/regulatory_trigger_checker.py business_description.txt --json

Triggers detected:

  • Money transmission (state-by-state US, e-money/payment institution EU)
  • Lending (CFPB, state lending licenses, EU consumer credit)
  • Securities (SEC broker-dealer, RIA, EU MiFID)
  • Banking / deposit-taking (OCC, FDIC, EU credit institution)
  • Payment services (PSD2 in EU, FCA in UK)
  • Cryptocurrency (FinCEN MSB, NYDFS BitLicense, MiCA in EU)
  • Custody of customer assets

Reference Guides

  • references/regulatory_landscape.md — Map of US and EU fintech regulators, what each covers, common trigger patterns
  • references/license_vs_partner_playbook.md — When to get a license, when to partner, partner failure planning
  • references/kyc_aml_basics.md — KYC tiers, risk-based monitoring, MLRO role, common pitfalls
  • references/embedded_finance_patterns.md — BaaS architecture, distribution-led fintech, B2B2C patterns

Templates

  • assets/regulatory_architecture_template.md — Document template for capturing regulatory decisions and partner choices

Best Practices

  • Engage fintech-specialist counsel from day one. General-purpose corporate lawyers will miss regulatory triggers. The cost of specialist counsel up front is a fraction of the cost of a regulatory mistake.
  • Don't hide behind partners. Even with a BaaS provider, your customers see your brand and the regulator may look through to you. Plan for partner failure.
  • State-by-state US is real. Money transmitter laws are state-level — 49 different licenses possible. Most fintechs partner to avoid this.
  • Sanctions are absolute. A $100 OFAC violation can cost $10M. Sanctions screening is non-negotiable.
  • Treat compliance as product. Frictionless KYC and clear customer comms about why you're asking for documents are a competitive advantage.

Integration Points

  • Pairs with c-level-advisor/cs-fundraising-advisor — investors expect a clear regulatory architecture
  • Pairs with engineering/cs-security-engineer — fintech security goes beyond standard SaaS
  • Pairs with legal/ skills for contract / partner agreements
  • Pairs with business-growth/pricing-strategy — fintech pricing has unusual constraints (interchange, FX spread, float)

© borghei, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 6 other files (scripts, references, assets) in vertical-advisors/fintech-advisor of borghei/Claude-Skills.

  • SKILL.md
  • assets/regulatory_architecture_template.md
  • references/embedded_finance_patterns.md
  • references/kyc_aml_basics.md
  • references/license_vs_partner_playbook.md
  • references/regulatory_landscape.md
  • scripts/regulatory_trigger_checker.py

Open the folder on GitHubat commit 4a698e8

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Categories

Questions about Fintech Advisor

What does Fintech Advisor do?

Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance. Fintech Advisor is an agent skill from borghei/Claude-Skills. Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance.

When should I use Fintech Advisor?

Fintech Advisor fits situations like: scoping a fintech idea; regulatory exposure; mentioning fintech; money transmitter.

How do I install Fintech Advisor in Claude Code?

Run `npx skills add borghei/Claude-Skills --skill fintech-advisor -a claude-code`. Or copy the skill folder (vertical-advisors/fintech-advisor in borghei/Claude-Skills) into .claude/skills/fintech-advisor in your project. Claude Code loads it when a task matches its description.

How do I install Fintech Advisor in Codex?

Run `npx skills add borghei/Claude-Skills --skill fintech-advisor -a codex`. Or copy the skill folder (vertical-advisors/fintech-advisor in borghei/Claude-Skills) into .agents/skills/fintech-advisor in your project. Codex loads it when a task matches its description.

Can I use Fintech Advisor in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add borghei/Claude-Skills --skill fintech-advisor -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/fintech-advisor, .gemini/skills/fintech-advisor, .github/skills/fintech-advisor and .opencode/skills/fintech-advisor in your project.

What does Fintech Advisor need to run?

Going by SKILL.md and its folder, Fintech Advisor needs Python for the scripts in its folder and the command-line tools its instructions call (python). Our summary lists: Python 3.

Does Fintech Advisor access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Fintech Advisor safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.

What licence does Fintech Advisor use?

Fintech Advisor is published under the MIT licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Fintech Advisor use?

About 1.7k tokens (SKILL.md is roughly 6.7k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 6.7k tokens, read only when the agent opens those files.

What are the alternatives to Fintech Advisor?

Skills that share tags, products or a category with Fintech Advisor: Swapper Deposit (swapperfinance/swapper-toolkit, 852 stars), Okx Cex Earn (okx/agent-skills, 186 stars), Buffett (digoal/blog, 8.6k stars) and Solana Payments Wallets Trading (npc-live/clawfirm, 156 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Fintech Advisor?

borghei (a GitHub user) maintains it in borghei/Claude-Skills, which has 881 GitHub stars. The repository holds 349 skills in this directory. The repository was last updated on October 7, 2026.

Source: borghei/Claude-Skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.