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AB loan-decoder

Decode a personal, auto, or mortgage loan offer into what it really costs and where the traps are. Use when someone asks 'is this loan a good deal', 'decode my loan offer', 'what am I signing', or 'what will this mortgage actually cost me'. Produces a total-cost-of-loan number, APR vs advertised-rate reconciliation, ranked red flags (prepayment penalties, junk fees, rate-reset exposure), and the three questions that most change the deal.

ClawHub Agent Skills author: mohitagw15856 v50.0.0 MIT-0 2 files body ≈ 1 077 tokens Open the sourceclawhub.ai↗ analyzed 23 h ago

Decode a personal, auto, or mortgage loan offer into what it really costs and where the traps are.

As a process B 67/100 · Nearly there — weak spots: when it triggers, failures and branches, running it twice

GeneratorFinancetype and topics are labelled automatically from the skill text
Runs in: OpenClaw Claude / Claude Code ChatGPT / Codex Gemini CLI Cursor GitHub Copilot / VS Code Qwen Code Kimi Code CLI Z.ai (GLM) DeepSeek (Deep Code) Mistral Vibe LangChain (deepagents) Goose OpenCode
JSON
Technical rating
A
93/100
safety, quality, tests
Safety 60%
100
Quality 40%
82
Run on models
none yet
Process rating
B
67/100
Nearly there
Failures and branches w 10
0
Progress reporting w 2
0
When it triggers w 12
20
the three weakest of ten parameters · all ten

How to improve

    For the model run — optional
    • Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
    • A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.

    Guard findings · 0

    ✓ No critical or high findings

    Files scanned: 1. Evidence is masked. Grey chips explain why severity was lowered.

    Against the Agent Skills spec

    • note frontmatter-key unknown frontmatter key "homepage"

    Process rating: all ten parameters 67/100

    • 0Failures and branches. Linear process with no failure handling
    • 0Progress reporting. Says nothing while it works
    • 20When it triggers. No condition that starts the skill
    • 30Running it twice. 1 mutating operations with no state check
    • 60Result and completion. Output format stated, no completion criterion
    • 70Inputs and preconditions. Inputs and preconditions are listed
    • 100Tools and files. No external tools needed
    • 100Steps. 25 steps
    • 100Consistency. Name and required fields are in place
    • 100Execution cost. Instruction body is 1077 tokens

    Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.

    Quality signals

    • +5Description has no quoted example phrases that should trigger the skill
    • +4Description does not say when NOT to use the skill (false activations)
    • +4No input/output examples
    • +1No license
    • +2Single-language instructions
    • +3Description length 441: enough signal without eating the budget
    • +4Structure: 9 headings
    • +3Step-by-step instructions: 25 items
    • +3Output format is stated explicitly

    Quality base 70; lint remarks subtract, signals add up to 100. Result: 82.

    External checks

    ClawHub: clean
    This is a plain-language loan review skill that asks for loan terms, performs disclosed cost calculations, and does not include code, persistence, or hidden data handling.
    LLM: benign (high) · VirusTotal: · 14 Jul 2026