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

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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.

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Installation for Agents

Option 1: Direct Installation (nanobot)

# 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)

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

# Install the skill
npx clawhub@latest install netfluid

Option 3: Manual Installation

# 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

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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

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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

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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/

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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

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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

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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)

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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

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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

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License

Copyright © 2026 Netfluid. All rights reserved.