MONEY SKILL

Everything works out of the box. RPCs, token addresses, explorer URLs — all built in for 5 chains, testnet and mainnet. You do not need API keys, ABIs, or config files.

Install

mkdir -p ~/.money
curl -sL {{HOST}}/skill.md -o ~/.money/SKILL.md
curl -sL {{HOST}}/money.bundle.js -o ~/.money/money.bundle.js
curl -sL {{HOST}}/money.bundle.js.sha256 -o /tmp/money.sha256
(cd ~/.money && shasum -a 256 -c /tmp/money.sha256) && rm -f /tmp/money.sha256

Then symlink this into your auto-discovery skills path, or simply move the SKILL.md file there.

v{{VERSION}}. Two files. Integrity verified via SHA-256. No dependencies.

Update

Before updating, back up the current skill file so you can diff for migrations:

VER=$(grep 'version:' ~/.money/SKILL.md | head -1 | awk '{print $2}') && cp ~/.money/SKILL.md ~/.money/SKILL.md.v${VER}.bak

Then re-run the install commands above. After updating, diff the old and new versions to check for breaking changes:

diff ~/.money/SKILL.md.v${VER}.bak ~/.money/SKILL.md

---

The entire skill is 3 steps:

const { money } = await import(`${process.env.HOME}/.money/money.bundle.js`);
await money.setup({ chain: "fast" });                                          // 1. create wallet (once)
const bal = await money.balance({ chain: "fast" });                            // 2. check balance
const tx = await money.send({ to: "set1qxy...", amount: 10, chain: "fast" }); // 3. send tokens

That pattern is identical on every chain. Only the chain name and address format change.

Supported chains: "fast" "base" "ethereum" "arbitrum" "solana"

What do you want to do?

Goal	Go to
Set up a wallet	Setup
Send tokens	Send Tokens
Check balance	Check Balance
Get free testnet tokens	Faucet
Handle an error	Error Recovery
Avoid sending twice	Idempotency
Check if you received tokens	Receiving
Use USDC or a custom token	Tokens
View past sends	History
See all methods	Reference

NOT for this skill

Stop. Tell the user this skill cannot help with: trading, swapping, DeFi, yield, lending, staking, price advice, or detecting incoming payments from external senders.

Rules

1. Default is testnet. Testnet is safe. Mainnet uses real money — opt in explicitly with { network: "mainnet" }.
2. Sends are irreversible. Verify the address before calling send().
3. Amounts are in human units. 10 means 10 tokens, not 10 wei or 10 lamports.

---

Setup

Call once per chain. Creates a wallet, stores RPC config. All defaults are built in — you only pass options to override.

const { money } = await import(`${process.env.HOME}/.money/money.bundle.js`);

// testnet (default) — safe, faucet available, RPC built in
const w = await money.setup({ chain: "fast" });
// w = { chain: "fast", address: "set1...", network: "testnet", note: "Fund this wallet:\n  await money.faucet({ chain: \"fast\" })" }

// mainnet — real money, faucet disabled, optional custom RPC
const w = await money.setup({ chain: "base", network: "mainnet", rpc: "https://your-rpc-url" });
// w = { chain: "base", address: "0x...", network: "mainnet", note: "" }

Same call for every chain. Only the chain value changes. RPC is stored permanently — no need to pass it again.

---

Send Tokens

Chain is always required. Use identifyChains() if you don't know which chain an address belongs to.

Address looks like	Chain	Default token
set prefix (bech32m, e.g. set1abc...)	Fast	SET
0x + 40 hex chars	Base, Ethereum, or Arbitrum	ETH
Base58, 32-44 chars	Solana	SOL

// Send native tokens
const tx = await money.send({ to: "set1qxy...", amount: 10, chain: "fast" });
// tx = { txHash, explorerUrl, fee, chain, network, note }

// Send on EVM — chain is always required
const tx = await money.send({ to: "0x1234...abcd", amount: 1.5, chain: "ethereum" });

// Send non-native token
const tx = await money.send({ to: "0x1234...abcd", amount: 25, chain: "base", token: "USDC" });

Don't know the chain? Use identifyChains

// Identify which chains an address format belongs to
const result = await money.identifyChains({ address: "0x1234...abcd" });
// result = { chains: ["base", "ethereum", "arbitrum"], note: "Multiple chains use this address format. Ask the user which chain to use." }

Solana works like Fast — native SOL by default. For SPL tokens pass the mint address or a registered token name as token.

---

Check Balance

const bal = await money.balance({ chain: "fast" });
// bal = { amount: "42.5", token: "SET", chain: "fast", network: "testnet", address: "set1...", note: "" }

// Check a specific token
const bal = await money.balance({ chain: "base", token: "USDC" });

For balances across all configured chains, use money.status().

---

Faucet

Testnet only. Not available on mainnet.

const r = await money.faucet({ chain: "fast" });
// r = { amount, token, txHash, chain, network, note: "Check balance:\n  await money.balance({ chain: \"fast\" })" }

If it throws TX_FAILED, the manual faucet URL is in e.details.faucetUrl.

---

Error Recovery

All errors have { code, message, note }. The note field contains a working code example showing how to fix the error.

e.code	Meaning	Action
INVALID_PARAMS	Missing or invalid parameter	Read e.note for the correct call shape.
INSUFFICIENT_BALANCE	Not enough tokens	Testnet: money.faucet({ chain }), retry. Mainnet: fund wallet.
CHAIN_NOT_CONFIGURED	No wallet for chain	money.setup({ chain }), retry.
TX_FAILED	RPC/network error	Wait 5s, retry once. If still fails, stop.
FAUCET_THROTTLED	Faucet rate limited	Wait and retry later.
INVALID_ADDRESS	Bad address	Do not retry. Confirm address with user.
TOKEN_NOT_FOUND	Token not registered	money.registerToken({ chain, name, address, decimals }), retry.

try {
  await money.send({ to: "set1qxy...", amount: 10, chain: "fast" });
} catch (e) {
  // e.note contains a code example showing how to fix the error
  console.log(e.code, e.message, e.note);

  if (e.code === "INSUFFICIENT_BALANCE") {
    await money.faucet({ chain: "fast" });
    await money.send({ to: "set1qxy...", amount: 10, chain: "fast" });
  } else if (e.code === "CHAIN_NOT_CONFIGURED") {
    await money.setup({ chain: "fast" });
    await money.send({ to: "set1qxy...", amount: 10, chain: "fast" });
  } else if (e.code === "TX_FAILED") {
    await new Promise(r => setTimeout(r, 5000));
    await money.send({ to: "set1qxy...", amount: 10, chain: "fast" });
  } else {
    throw e;
  }
}

---

Idempotency

Check history before sending to avoid double sends:

const { entries } = await money.history({ chain: "fast" });
const already = entries.find(e => e.to === to && e.amount === String(amount));
if (already) {
  console.log("Already sent:", already.txHash);
} else {
  await money.send({ to, amount, chain: "fast" });
}

---

Receiving

This skill does not detect incoming payments. Use balance delta as a proxy:

const before = await money.balance({ chain: "fast" });
// ... wait ...
const after = await money.balance({ chain: "fast" });
const delta = parseFloat(after.amount) - parseFloat(before.amount);
if (delta > 0) console.log("Received:", delta, after.token);

For confirmed incoming verification, use a block explorer — outside this skill.

---

Tokens

Native token works immediately after setup() — no configuration needed.

Chain	Native token
Fast	SET
Base, Ethereum, Arbitrum	ETH
Solana	SOL

For other tokens, register a named token once and use it by name forever:

// Register a named token once, use by name forever
await money.registerToken({ chain: "base", name: "USDC", address: "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913", decimals: 6 });
await money.send({ to: "0x1234...abcd", amount: 25, chain: "base", token: "USDC" });

// Look up or list tokens
const info = await money.getToken({ chain: "base", name: "USDC" });
const { tokens } = await money.tokens({ chain: "base" });

Known USDC addresses:

Chain	Network	Address / Mint
Base	testnet	0x036CbD53842c5426634e7929541eC2318f3dCF7e
Base	mainnet	0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
Ethereum	testnet	0x1c7D4B196Cb0C7B01d743Fbc6116a902379C7238
Ethereum	mainnet	0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
Arbitrum	testnet	0x75faf114eafb1BDbe2F0316DF893fd58CE46AA4d
Arbitrum	mainnet	0xaf88d065e77c8cC2239327C5EDb3A432268e5831
Solana	testnet	4zMMC9srt5Ri5X14GAgXhaHii3GnPAEERYPJgZJDncDU
Solana	mainnet	EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v

---

History

const { entries } = await money.history();                          // all chains
const { entries } = await money.history({ chain: "fast" });         // one chain
const { entries } = await money.history({ limit: 5 });              // last 5

// Each entry: { ts, chain, network, to, amount, token, txHash }

---

Reference

Method	Returns
money.setup({ chain, network?, rpc? })	{ chain, address, network, note }
money.status()	{ entries: [{ chain, address, network, defaultToken, status, balance? }], note }
money.balance({ chain, token? })	{ amount, token, chain, network, address, note }
money.send({ to, amount, chain, token? })	{ txHash, explorerUrl, fee, chain, network, note }
money.faucet({ chain })	{ amount, token, txHash, chain, network, note }
money.identifyChains({ address })	{ chains: string[], note }
money.getToken({ chain, name })	TokenInfo or null
money.registerToken({ chain, name, address?, mint?, decimals? })	void
money.tokens({ chain })	{ tokens: TokenInfo[], note }
money.history({ chain?, limit? })	{ entries: [{ ts, chain, network, to, amount, token, txHash }], note }

All errors: { code, message, note }. The note field contains a code example showing how to fix the error.
token is optional. When omitted, the chain's native token is used: SET (Fast), ETH (Base/Ethereum/Arbitrum), SOL (Solana).