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/x-money-guide
Read this before the first X Money action in a session and again on any X Money error, refusal, or missing capability. Covers the approval rule for every action that moves money (always ask, every time, no exceptions), how the connection works (connection code plus passkey in
Claude Code
$ npx -y skills add cursor/plugins --skill x-money-guide --agent claude-code
Codex
$ npx skills add cursor/plugins --skill x-money-guide -a codex -y
Cursor
$ npx skills add cursor/plugins --skill x-money-guide -a cursor -y
Gemini CLI
$ npx skills add cursor/plugins --skill x-money-guide -a gemini-cli -y
GitHub Copilot
$ npx skills add cursor/plugins --skill x-money-guide -a github-copilot -y
OpenCode
$ npx skills add cursor/plugins --skill x-money-guide -a opencode -y
Windsurf
$ npx skills add cursor/plugins --skill x-money-guide -a windsurf -y
SKILL.md
x-money-guide.SKILL.mdname: X Money guide
description: >-
Read this before the first X Money action in a session and again on any
X Money error, refusal, or missing capability. Covers the approval rule for
every action that moves money (always ask, every time, no exceptions), how
the connection works (connection code plus passkey in the X app), how to
guide the user through connect, reconnect, and revoke at
x.com/i/money/settings/connections, and what each failure message means.
X Money guide
This plugin connects the agent to the user's X Money account through the **X Money MCP** at `https://mcp.money.x.com/mcp`. The user connects once in Grok Bot, and the agent then acts on their X Money account on their behalf.
Discover what the user can do from the server's tool list. The list is decided per account by X Money, so do not assume an action exists because it is mentioned here. Every result carries a `message` written for the user. Relay it in your own words instead of describing internals.
Always confirm before moving money
Some actions move real money or create a way to spend it: sending money, requesting money, and paying a merchant. For each one:
1. **Ask first, every time.** Send a `SendToUser` widget with **Approve** and **Cancel**. The prompt is one sentence that states exactly what the user is approving: who gets paid or is asked, how much, and what for. For a purchase: the item, the merchant, and the total. Put the breakdown (items, shipping, tax, fees) in the help text. If the amount is an estimate, say so. 2. **Wait for the answer.** Call the tool only after the user picks Approve. If they pick Cancel, or do not answer, do nothing and say so. 3. **Approve one action at a time.** Never batch several payments under one approval. Never carry an approval over from an earlier message, an earlier session, or a general instruction such as "handle it". 4. **Re-ask when anything changes.** A different amount, recipient, merchant, or purpose is a new action and needs a new approval. 5. **Never fake it.** Every money-moving tool has an approval input. The server rejects the call when it is not set and confirms that nothing was done. Set it only after a real Approve in this conversation.
Ask for balances and transactions freely. Those are read-only.
How the connection works
1. The user taps **Connect** on the X Money plugin in Grok Bot. 2. A page titled **Connect Grok Bot to X Money** opens. It shows a **connection code** and a QR code. 3. The user enters the code in the **X Money app** (or scans the QR code) on the X account that owns the X Money account, then approves with their **passkey**. 4. The page shows **Connected. You can return to Grok Bot.** and the connection completes on its own.
The code is valid for about 5 minutes. The connection then stays active until the user revokes it or stops using it for a long period. There is no client ID, API key, or token for the user to handle, and the agent never sees one.
Connections screen
`https://x.com/i/money/settings/connections` — in the X app: **Money → Settings → Connections**.
Send the user here to:
- see which agents are connected to X Money and what each one can do,
- revoke Grok Bot's access,
- confirm that a connection they just approved is listed.
Revoking ends the connection at once. The next X Money action fails with an authorization error and the user must connect again.
Troubleshooting
Match the situation, say the quoted line in your own voice, then give the one next step. Do not explain OAuth, tokens, or how the connection works internally.
Not connected, or authorization error on a call
Signals: X Money shows as needing authorization, no X Money tools are listed, or a call fails with `401` or `invalid bearer token`.
> Your X Money connection is not active. Open the X Money plugin in Grok Bot and tap Connect, then enter the connection code in the X Money app and approve it with your passkey.
If the user says they did not revoke anything, still reconnect. There is no other way to restore a connection.
"This code has expired. Start again from Grok Bot."
The consent page says this after about 5 minutes.
> The connection code expired. Tap Connect again in Grok Bot to get a new code, then approve it in the X Money app right away.
"This connection was not approved."
The user declined in the X Money app.
> The connection was declined. If you still want to connect, tap Connect again in Grok Bot and approve the new code.
"The connection code is invalid, expired, or already used."
The X Money app says this when the code was claimed on another account, was already used, or expired.
Ask which X account they are signed into in the X Money app. The code must be approved from the X account that holds the X Money account. Each code works once. Tell them to start again from Connect.
Passkey step fails
The X Money app cannot complete the passkey challenge.
> Approving an agent connection needs a passkey on your X account. Set one up in X → Settings → Security, then approve the connection again.
"New customer connections are not currently accepted."
The connection was approved but X Money did not activate it. This is a staged rollout, not an account problem.
> X Money is not accepting new agent connections for your account right now. Try again later.
Do not suggest workarounds.
"Something went wrong. Refresh this page to try again." or "Something went wrong. Try again."
A transient error on the consent page.
> Refresh the page. If it fails again, tap Connect in Grok Bot to start over.
"This X Money MCP tool isn't ready for you yet." or an action is missing
X Money enables actions per account. A missing tool, or this message on a call, means the action is not turned on for this user.
> That X Money action is not enabled for your account yet.
Offer the actions that are present. Do not tell the user to reinstall or reconnect.
"Not authorized to call tool
Read more
name: X Money guide description: >- Read this before the first X Money action in a session and again on any X Money error, refusal, or missing capability. Covers the approval rule for every action that moves money (always ask, every time, no exceptions), how the connection works (connection code plus passkey in the X app), how to guide the user through connect, reconnect, and revoke at x.com/i/money/settings/connections, and what each failure message means.
X Money guide
This plugin connects the agent to the user's X Money account through the **X Money MCP** at `https://mcp.money.x.com/mcp`. The user connects once in Grok Bot, and the agent then acts on their X Money account on their behalf.
Discover what the user can do from the server's tool list. The list is decided per account by X Money, so do not assume an action exists because it is mentioned here. Every result carries a `message` written for the user. Relay it in your own words instead of describing internals.
Always confirm before moving money
Some actions move real money or create a way to spend it: sending money, requesting money, and paying a merchant. For each one:
1. **Ask first, every time.** Send a `SendToUser` widget with **Approve** and **Cancel**. The prompt is one sentence that states exactly what the user is approving: who gets paid or is asked, how much, and what for. For a purchase: the item, the merchant, and the total. Put the breakdown (items, shipping, tax, fees) in the help text. If the amount is an estimate, say so. 2. **Wait for the answer.** Call the tool only after the user picks Approve. If they pick Cancel, or do not answer, do nothing and say so. 3. **Approve one action at a time.** Never batch several payments under one approval. Never carry an approval over from an earlier message, an earlier session, or a general instruction such as "handle it". 4. **Re-ask when anything changes.** A different amount, recipient, merchant, or purpose is a new action and needs a new approval. 5. **Never fake it.** Every money-moving tool has an approval input. The server rejects the call when it is not set and confirms that nothing was done. Set it only after a real Approve in this conversation.
Ask for balances and transactions freely. Those are read-only.
How the connection works
1. The user taps **Connect** on the X Money plugin in Grok Bot. 2. A page titled **Connect Grok Bot to X Money** opens. It shows a **connection code** and a QR code. 3. The user enters the code in the **X Money app** (or scans the QR code) on the X account that owns the X Money account, then approves with their **passkey**. 4. The page shows **Connected. You can return to Grok Bot.** and the connection completes on its own.
The code is valid for about 5 minutes. The connection then stays active until the user revokes it or stops using it for a long period. There is no client ID, API key, or token for the user to handle, and the agent never sees one.
Connections screen
`https://x.com/i/money/settings/connections` — in the X app: **Money → Settings → Connections**.
Send the user here to:
- see which agents are connected to X Money and what each one can do,
- revoke Grok Bot's access,
- confirm that a connection they just approved is listed.
Revoking ends the connection at once. The next X Money action fails with an authorization error and the user must connect again.
Troubleshooting
Match the situation, say the quoted line in your own voice, then give the one next step. Do not explain OAuth, tokens, or how the connection works internally.
Not connected, or authorization error on a call
Signals: X Money shows as needing authorization, no X Money tools are listed, or a call fails with `401` or `invalid bearer token`.
> Your X Money connection is not active. Open the X Money plugin in Grok Bot and tap Connect, then enter the connection code in the X Money app and approve it with your passkey.
If the user says they did not revoke anything, still reconnect. There is no other way to restore a connection.
"This code has expired. Start again from Grok Bot."
The consent page says this after about 5 minutes.
> The connection code expired. Tap Connect again in Grok Bot to get a new code, then approve it in the X Money app right away.
"This connection was not approved."
The user declined in the X Money app.
> The connection was declined. If you still want to connect, tap Connect again in Grok Bot and approve the new code.
"The connection code is invalid, expired, or already used."
The X Money app says this when the code was claimed on another account, was already used, or expired.
Ask which X account they are signed into in the X Money app. The code must be approved from the X account that holds the X Money account. Each code works once. Tell them to start again from Connect.
Passkey step fails
The X Money app cannot complete the passkey challenge.
> Approving an agent connection needs a passkey on your X account. Set one up in X → Settings → Security, then approve the connection again.
"New customer connections are not currently accepted."
The connection was approved but X Money did not activate it. This is a staged rollout, not an account problem.
> X Money is not accepting new agent connections for your account right now. Try again later.
Do not suggest workarounds.
"Something went wrong. Refresh this page to try again." or "Something went wrong. Try again."
A transient error on the consent page.
> Refresh the page. If it fails again, tap Connect in Grok Bot to start over.
"This X Money MCP tool isn't ready for you yet." or an action is missing
X Money enables actions per account. A missing tool, or this message on a call, means the action is not turned on for this user.
> That X Money action is not enabled for your account yet.
Offer the actions that are present. Do not tell the user to reinstall or reconnect.
"Not authorized to call tool
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Questions about x-money-guide.
- Which coding agents can use x-money-guide?
- x-money-guide installs in Claude Code, Codex, Cursor, Gemini CLI, GitHub Copilot, OpenCode and Windsurf with the skills CLI, using each agent's flag shown on this page. Flowy's auto-invocation, which fires a skill when your prompt matches, runs in Claude Code only.