Skip to content
Candor
Start free
Menu

Give OpenClaw a finance skill with your real accounts behind it.

OpenClaw has no finance feature of its own. Candor gives it a finance skill with a read-only connection to your accounts behind it, the goals and budget you set together, and a review of what's worth talking through, which OpenClaw can bring to WhatsApp, Telegram, Slack, or whichever app you talk to it in.

Start freeAlready have an account? Copy the setup message

Set up OpenClaw in three steps

  1. 1

    Create a Candor account.

    Create your account
  2. 2

    Copy this message into a conversation with OpenClaw.

    Set up Candor from https://candor.money/START.md and walk me through connecting it here.

  3. 3

    OpenClaw handles the setup its tools support and asks you to approve access to your Candor account.

    Setup got stuck? Get help

What you need in OpenClaw

OpenClaw adds Candor through its native MCP registry with OAuth, and the finance skill goes in a skills folder on the same host. OAuth sign-ins are shared and operator-managed by default, so everyone who can message a shared OpenClaw uses the same Candor connection. For a household or team on one gateway, set per-requester identity so each person signs in to their own account; that needs the gateway reachable at a public HTTPS address. A CLI installation that already works can stay.

Check it worked

Start a new conversation with OpenClaw, turn Candor on if asked, and send the message below.

Ask OpenClaw to confirm the candor-finance skill is loaded, call candor_open, and report the accounts it can read. If sign-in succeeded but the tools are missing, check the runtime that actually answers your chats.

What you should see: OpenClaw names the accounts in Candor and how recent they are. A missing account means limited coverage, not a failed setup.

Check whether the candor-finance skill and Candor access are ready. Tell me about anything missing. If access works, continue my financial task, or start a first check-in on my money if I have not named one. Be clear about gaps in the records.

What OpenClaw brings to money

OpenClaw is a self-hosted gateway that connects chat apps such as Discord, iMessage, Signal, Slack, Telegram, and WhatsApp to an agent. It has no finance feature, and ClawHub, its public skill registry, files finance skills in their own categories.

It does have what a money routine needs: automations on a schedule, a heartbeat that runs a periodic agent turn, every 30 minutes by default, and memory kept as Markdown files in its workspace. Those plain files on the host are a poor home for balances and budgets, so Candor keeps the records, goals, and notes in your Candor account and OpenClaw reads them when a turn needs them.

What Candor adds to OpenClaw

Candor gives OpenClaw current accounts, figures calculated from your records, and the plan you keep with it, so a quick question in a chat gets an answer from your real numbers.

Candor reviews your records and notes and raises what's worth talking through, so OpenClaw has something worth sending you instead of a balance readout.

Bring it to your chat on a schedule

OpenClaw automations can run a weekly turn that opens Candor and sends what is worth talking through to your usual chat.

Heartbeat turns can check Candor too. Keep them to reading: anything worth raising is already on Candor's list, with the records behind it.

When OpenClaw setup stops

  • Signing in from the command line will not start

    What to do
    OpenClaw's OAuth guide, linked below, says when command-line sign-in can run and what to use instead.

  • Sign-in on a remote host never comes back

    What to do
    The same OpenClaw guide covers signing in on remote and headless hosts. Candor's Connections page shows the moment OpenClaw connects.

  • OpenClaw says Candor refused the sign-in

    What to do
    Send OpenClaw the setup message again. If it keeps failing, we can finish setup with you from Candor's Connections page.

  • Authentication saved, but the tools are missing

    What to do
    Saved credentials do not prove OpenClaw can reach Candor. Ask the OpenClaw that answers your chats to check its setup against the setup message.

What to try with OpenClaw and Candor

Use the chat for short questions, such as whether a bill arrived at a higher amount. For recurring cleanup, agree which cases OpenClaw can settle quietly and which should come back to you.

What Candor can and cannot do

Candor is read-only toward your money. It has no tool to move money, pay a bill, trade, or cancel a service, it does not train AI models on your financial information, and it records every agent read and change with its reason. You can revoke an agent, export your data, or delete it from your account.

Candor provides records and calculations, not financial advice; your agent advises and acts only through its own tools, with your okay.

Common questions

Why does the skill work on my laptop but not in the agent?
The agent may run on another host or in another workspace. A skill installed on your laptop does not install itself on a remote OpenClaw host.
Is Candor on ClawHub?
Not yet. Install the skill from Candor's public repository or the skill download, as the setup message describes.
What does Candor cost?
Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file. OpenClaw's own plan and usage charges are separate.

Sources

  1. MCP registry OpenClaw
  2. MCP transports and OAuth OpenClaw
  3. Skills OpenClaw
  4. Automations OpenClaw
  5. Heartbeat OpenClaw
  6. OpenClaw: MCP setup and runtime reloads the OpenClaw project

Setup files for agents: OpenClaw connection materials

If setup gets stuck

Let’s get you connected.

OpenClaw does the setup. When it stops, the answer is usually one of a few things it can ask for, and all of them are ready in your Candor dashboard.

Already connected? Check it worked

Finish setup from your Candor dashboard

Sign in, pick OpenClaw, and follow the three steps. The page shows the moment OpenClaw connects, and it has the connection details ready if OpenClaw asks.

Open setup for OpenClaw

Before you start with OpenClaw

Everyone who can use a shared OpenClaw host shares its connections. Connect from a host only you use, or set up per-person isolation first.

Stuck? Tell us where it stopped.Email us
OpenClaw asks for a server address or connection details

Most apps only need the address. Choose OAuth for authentication and leave Client ID and Client Secret blank; the app registers itself and discovers the rest from the address.

https://api.candor.money/mcp

If OpenClaw asks for more than the address, every connection setting is on the connect page.

OpenClaw needs the finance skill file

Most apps install it with the connection. If OpenClaw asks for the file, download the complete skill and upload it through the app’s skill control, not as a chat attachment. Keep the whole candor-finance folder, including methods and references.

Official OpenClaw instructions

Button names move. When they do, the app’s own instructions win; the Candor values above stay the same.

Get your money check-in where you already chat.

The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. You can also try Candor free first, with your history from the app or bank you use now. Either way, setup is one message to your agent.

Start free