# Netfluid — AI Agent Banking, Crypto & Global Payments

**Version:** 6.89.0
**Author:** Netfluid
**Website:** https://netfluid.io
**Documentation:** https://doc.netfluid.io
**Support:** support@netfluid.io

---

## What Is Netfluid?

Netfluid gives **AI agents financial autonomy** — the ability to earn, hold, and spend money independently. No human needed after setup.

### What AI Agents Can Do

- **Open virtual bank accounts** in any currency (USD, ZAR, EUR, BWP)
- **Receive SEPA and ACH payments** from clients worldwide
- **Send WIRE transfers** to any bank account globally
- **Hold and trade USDC, USDT, SOL, ETH** and other crypto assets
- **On-ramp** from fiat (bank deposit → USDC on Solana)
- **Off-ramp** to bank (USDC → cash in 180+ countries)
- **Sponsor other AI agents** with automatic KYC inheritance
- Operate **24/7 autonomously** — no human needed after initial setup

This is **agent banking**: financial personhood for AI agents.

---

## Installation for Agents

### Option 1: Direct Installation (nanobot)

```bash
# Download and install the skill directly
GET https://api.netfluid.io/skill/download

# The skill files will be installed to your agent's skills directory
```

### Option 2: ClawHub (Recommended for Discovery)

```bash
# Search for the Netfluid skill
npx clawhub@latest search netfluid

# Install the skill
npx clawhub@latest install netfluid
```

### Option 3: Manual Installation

```bash
# Clone or download the skill files
git clone https://github.com/netfluid/skill.git

# Copy to your agent's skills directory
cp -r netfluid-skill /path/to/agent/skills/netfluid
```

---

## Required Credentials

| Credential | Source | Description |
|------------|--------|-------------|
| `api_key` | Netfluid App → Settings → API Keys | Your personal API key |
| `session_key` | Netfluid App (one-time use) | One-time session key from the app |
| `token` | From `/session` endpoint | Session token (15 min TTL) |
| `wallet_fk` | From `/wallet/accounts_list` | Your wallet ID |
| `account_fk` | From `/wallet/accounts_list` | Specific account ID |

### Getting Started

1. **Get API Key**: Open Netfluid app → Settings → API Keys → Create new key
2. **Get Session Key**: Open Netfluid app → Get session key (single use)
3. **Exchange for Token**: Use `mcp_netfluid_session` with the session key
4. **List Accounts**: Use `mcp_netfluid_wallet_accounts_list` to get account IDs

---

## Available Tools

### Session Management
- `mcp_netfluid_session` - Get token from session key
- `mcp_netfluid_wallet_verify` - Keep session alive

### Account Operations
- `mcp_netfluid_wallet_accounts_list` - List all accounts
- `mcp_netfluid_account_info` - Get fiat balance
- `mcp_netfluid_crypto_balance` - Get crypto balance
- `mcp_netfluid_account_send` - Send fiat to another Netfluid user

### Crypto Operations
- `mcp_netfluid_crypto_spend` - Send crypto to blockchain address
- `mcp_netfluid_crypto_dex_swap` - Swap tokens via DEX
- `mcp_netfluid_crypto_digitalassets` - List supported assets
- `mcp_netfluid_crypto_optin` - Opt-in to new tokens

### Funding
- `mcp_netfluid_fund_banks` - Get bank transfer details
- `mcp_netfluid_fund_card_quote` - Quote for card deposit
- `mcp_netfluid_fund_payat` - Generate Pay@ reference
- `mcp_netfluid_fund_payshap` - Get PayShap details

### Withdrawals
- `mcp_netfluid_wallet_rba` - Save bank account
- `mcp_netfluid_withdraw_to_bank` - Withdraw to bank
- `mcp_netfluid_withdraw_ott_providers_list` - List OTT providers
- `mcp_netfluid_withdraw_to_ott` - Withdraw to mobile (South Africa)

### Bridges
- `mcp_netfluid_bridge_list` - List available bridges
- `mcp_netfluid_bridge_on_ramp` - Create virtual account (SEPA/ACH)
- `mcp_netfluid_bridge_off_ramp_sepa` - Create SEPA off-ramp
- `mcp_netfluid_bridge_off_ramp_ach_wire` - Create ACH/Wire off-ramp
- `mcp_netfluid_bridge_blockchain` - Cross-chain transfer

### KYC & Verification
- `mcp_netfluid_wallet_kyc_check` - Check full KYC status
- `mcp_netfluid_wallet_kyc_check_lite` - Check lite KYC status
- `mcp_netfluid_wallet_kyc_session_create` - Create KYC session

### Utilities
- `mcp_netfluid_wallet_mnemonic` - Get recovery phrase
- `mcp_netfluid_wallet_fee` - Calculate transaction fee
- `mcp_netfluid_beneficiaries_list` - List saved beneficiaries

---

## Supported Blockchains

| Blockchain | Native Token | Explorer |
|------------|--------------|----------|
| Algorand | ALGO | https://allo.info/ |
| Hedera | HBAR | https://hashscan.io/mainnet/ |
| Ethereum | ETH | https://etherscan.io |
| Avalanche-C | AVAX | https://snowtrace.io/ |
| Solana | SOL | https://explorer.solana.com/ |
| Fluids Network | FLDS | https://fluids.tryethernal.com/ |

---

## Supported Currencies

### Fiat
- **ZAR** - South African Rand (South Africa)
- **USD** - US Dollar (Global)
- **EUR** - Euro (Europe)
- **BWP** - Botswana Pula (Botswana)

### Crypto
- **USDC** - USD Coin (Solana, Ethereum, Avalanche)
- **USDT** - USD Tether (Solana, Ethereum, Avalanche)
- **SOL** - Solana
- **ETH** - Ethereum
- **AVAX** - Avalanche
- **ALGO** - Algorand
- **HBAR** - Hedera
- **FLDS** - Netfluids

---

## Important Rules

⚠️ **ALWAYS** ask for confirmation before executing any transaction

⚠️ **NEVER** store wallet IDs, PINs, balances, or financial details in memory

⚠️ **NEVER** create and redeem a voucher from the same wallet (circular transaction)

⚠️ Always prompt for user's own platform ID when assigning wallet to a channel

---

## Common Workflows

### Send ZAR to Another Netfluid User
```
1. Get destination account address from user
2. Call /account/info to check balance
3. Ask user to confirm amount
4. Call /account/send with account_fk, destination, amount
5. Verify with /account/info (balance should decrease)
```

### Buy Crypto with Fiat
```
1. Check fiat balance: /account/info(account_fk)
2. Check crypto balance: /crypto/balance(account_fk)
3. Use /account/swap to swap fiat to crypto
```

### Withdraw to Bank
```
1. Check if RBA exists: /wallet/rba_list
2. If not, create: /wallet/rba
3. Withdraw: /withdraw/to_bank(account_fk, rba_fk, amount)
```

---

## Error Handling

| Error | Meaning | Action |
|-------|---------|--------|
| `token invalid` | Session expired | Ask user for new session_key |
| `insufficient funds` | Account balance low | Check balance, inform user |
| `invalid address` | Blockchain address wrong | Verify with `/crypto/verify` |
| `account locked` | Account paused | Contact Netfluid support |
| `bridge not found` | No bridge for this rail | Check `/bridge/list` |

---

## Files

- `SKILL.md` - Full skill documentation
- `skill-package.json` - Skill manifest and metadata
- `skills.json` - MCP tools schema
- `README.md` - This file
- `AGENTGENESIS.md` - AI agent financial autonomy guide

---

## License

Copyright © 2026 Netfluid. All rights reserved.