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Fintech Advisor · borghei | DecimalAI

legalby borghei

Fintech Advisor

borghei/fintech-advisor

Source borghei/claude-skills ↗License NOASSERTION

Strategic advisory for fintech founders on US/EU regulatory triggers, license-vs-partner, KYC/AML, and embedded finance.

SkillScore61Maintained

Automatic

FinServ Compliance pack

Last verified 8/20/2026

What it changes

Passed 14 of 23 test cases with the skill, and 10 of 23 without it.

Without skill43%

With skill61%

Checks it passed that the model alone missed

Directs the team to references/embedded_finance_patterns.md.
Directs the team to read references/regulatory_landscape.md.
Estimates 4 to 8 weeks for meaningful regulatory exposure scoping.

and 4 more in the full report

5 fixed9 passed either way8 still failing1 broke

Pass-rate lift: +17 pp
Tokens: +40%
Agent turns: 0%
Response time: -18%

Model gemini-3.6-flashMeasured 8/20/2026v114 of 23 cases passed with skill

Tokens, turns and time describe resource use, not a dollar price.

Use this skill

Save it into your project's skills folder. Claude Code picks it up in its next session.

curl -fsSL --create-dirs -o .claude/skills/borghei-fintech-advisor/SKILL.md https://app.decimal.ai/s/borghei-fintech-advisor/SKILL.md

Want it pinned and updatable? pip install "decimalai>=0.15", then decimalai skills add borghei-fintech-advisor, and start Claude Code with claude --plugin-dir "$(git rev-parse --show-toplevel)/.agents"

1 · One-time — install the CLI (docs ↗)

pip install "decimalai>=0.15"

2 · Get the skill — writes .agents/skills/borghei-fintech-advisor/ and pins it in .decimal/skills.lock

decimalai skills add borghei-fintech-advisor

No CLI? Get the same file — curl · raw file

curl -fsSL --create-dirs -o .claude/skills/borghei-fintech-advisor/SKILL.md https://app.decimal.ai/s/borghei-fintech-advisor/SKILL.md

Raw file: /s/borghei-fintech-advisor/SKILL.md ↗ · machine-readable summary at /s/borghei-fintech-advisor.json ↗

Safety checks: 3 of 3 passed

Code scan CleanIntent PassedContent Clean

See it in action

One of 5 test cases the skill fixed. Same model, same prompt, with and without the skill.

1 of 5

Prompt

Our product team needs to study standard BaaS architecture, B2B2C distribution patterns, and embedded financial models. Which reference guide file in the repository covers these concepts?

What was checked, without and with the skill
Checked	Without skill	With skill
Directs the team to references/embedded_finance_patterns.md.	Missed	Passed

case-16 · gemini-3.6-flash · 8/20/2026 · answers are capped and redacted

What's inside

The instructions your model reads when the skill loads.

SKILL.md137 lines7 filesincludes scripts

Fintech Advisor

Strategic frameworks for fintech founders, operators, and product leaders. Knowledge-heavy by design — the right answer in fintech is usually a regulatory and economic judgment, not a calculation.

Disclaimer: This skill provides frameworks and orientation. It is not legal, regulatory, securities, tax, or investment advice. Every fintech business needs licensed legal counsel. Use this skill to organize internal thinking; engage specialist counsel for binding decisions.

Keywords
Quick Start
Core Workflows
Tools
Reference Guides
Templates
Best Practices

Keywords

fintech, payments, banking, neobank, lending, money transmitter, KYC, AML, PSD2, open banking, BaaS, banking-as-a-service, embedded finance, card issuing, ACH, SEPA, stablecoin, crypto, broker-dealer, RIA, regulation, compliance

Quick Start

Initial Regulatory Triage in 10 Minutes

Write a 1-paragraph description of what your fintech does (who pays whom, in what form, who holds the funds)
Run python scripts/regulatory_trigger_checker.py business_description.txt
Use the output as input to a conversation with a fintech-licensed lawyer — never as the conclusion

License vs. Partner Decision

Read references/license_vs_partner_playbook.md
For each capability you need (hold funds, issue cards, originate loans, send payments), decide: get a license, or partner with a licensed entity (BaaS, sponsor bank)
Most early-stage fintechs partner. License only if the unit economics or moat absolutely require it.

Track record

Benchmark

14 / 23

test cases passed, vs 10 / 23 without

Adoption

Users: 0
Times used: 0

Safety and source details

SkillSafety

✓ 3 of 3 passed

Code scan15 of 15 checks clean

0 critical · 0 warning · 0 info — scanner v4 — 8/3/2026

View 15 scanner checks

live_secretremote_code_executionreverse_shelldata_exfiltrationssrf_metadataagent_snoopinganti_refusaldestructive_commandsobfuscated_unicodeunicode_homoglyphopaque_blobsuspicious_urltool_overreachtrigger_abuseprompt_injection_phrasing

IntentSafe

LLM judge · does the skill do what it claims

ContentClean

LLM judge · policy & harmful-content review

Source

Imported

borghei / claude-skills

vertical-advisors/fintech-advisor/SKILL.md

View on GitHub ↗

License MIT + Commons ClauseImported 8/3/2026Version v1Bundled 6 files · scripts

More skills from the same source and nearby in the registry, with their headline benchmark lift.

Ready to supercharge your AI agents?

See it in action

What's inside

Fintech Advisor

Table of Contents

Keywords

Quick Start

Initial Regulatory Triage in 10 Minutes

License vs. Partner Decision

Track record

Benchmark

Adoption

SkillSafety

Source

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