Financial Report AI (ai-financial-report)

Upload Excel/CSV/PDF financial statements → AI auto-generates structured business analysis reports (revenue structure / cost anomalies / profitability / cash flow / balance sheet / KPI achievement / anomaly alerts).

Tiered Features

Upgrade to PRO: https://skillpay.me/ai-financial-report

Architecture

User uploads file
    ↓
index.js (entry, routes to handlers)
    ↓
src/handlers/
  ├── skill_invoke.js    ← core analysis engine dispatcher
  ├── file_upload.js     ← file upload handler
  └── message_handler.js ← text chat handler
    ↓
src/services/
  ├── billing.js         ← SkillPay token validation + 5-min cache
  ├── file_parser.py     ← Excel/CSV/PDF parsing
  └── report_generator.py ← AI analysis + Markdown rendering

Quick Start

Upload a File (Recommended)

Upload your Excel/CSV/PDF financial file directly — AI automatically completes the full analysis.

Supported formats: .csv, .xlsx, .xls, .pdf

Configure AI API Key

This skill does not include an AI model. Users configure their own API key.

Supported AI models (any one):

No binding, no recommendation, no restriction on specific models — user chooses freely.

Output Example

# Financial Report Analysis

**Company**: XX Tech Co.
**Period**: Q1 2024
**Tier**: PRO

---

## 1. Revenue Structure

| Item | Value |
|------|-------|
| Total Revenue | 3,800 (10K CNY) |
| YoY Change | +15.3% |
| QoQ Change | +8.2% |

**Structure**: Core business 82%, other business 18%

---

## 7. Anomaly Alerts

| Dimension | Severity | Description | Value |
|-----------|----------|-------------|-------|
| Cost | 🔴 HIGH | Admin expense ratio abnormally high | 18.5% (avg: 12%) |
| Cash Flow | 🟠 MEDIUM | Operating cash flow YoY declined | -12.3% |

Data Format

Column guidelines: Use clear dimension names (revenue, cost, profit, etc.). Avoid excessive merged cells.

Privacy

• No data upload: All files processed locally, never sent to third-party servers
• No file storage: Temporary files deleted immediately after analysis
• API calls: Only uses user-configured AI API, data processed locally
• Token validation: Only verifies plan eligibility, no financial data stored

Error Handling

Tech Stack

• Parsing: Python 3 + pandas + openpyxl + pdfplumber
• AI Interface: OpenAI-compatible REST API
• Runtime: Node.js (OpenClaw Agent)

Billing

• Endpoint: POST https://skillpay.me/api/v1/billing/charge
• Header: X-API-Key: {api_key}
• Body: {"user_id": "...", "skill_id": "ai-financial-report", "amount": 0}
• Response: {"success": true, "balance": ...}
• Fallback: Network error → FREE tier (usage not blocked)
• Cache: Validation result cached locally (SHA256 hash), TTL 5 minutes

Env Variables

For builder setup: visit https://skillpay.me