AD 花呗
花呗消费信贷使用指南（附IRR真实年化计算器）。Use for: (1) 用附带的零依赖脚本计算分期真实年化——表面费率0.6%/期实为IRR 13%+, (2) 免息期与账单机制理解, (3) 征信影响认知与关闭/调额路径。Huabei (Ant Credit Pay) guide with a zero-dependency IRR calculator: real-APR computation for installments, interest-free mechanics, and credit-report facts.
花呗消费信贷使用指南（附IRR真实年化计算器）。Use for: (1) 用附带的零依赖脚本计算分期真实年化——表面费率0.6%/期实为IRR 13%+, (2) 免息期与账单机制理解, (3) 征信影响认知与关闭/调额路径。Huabei (Ant Credit Pay) guide with a…
As a process D 49/100 · Unfinished process — weak spots: result and completion, when it triggers, inputs and preconditions
How to improve
- For Hermes the description must be one sentence under 60 characters; move the conditions to a "When to Use" section.
- 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: 3. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
name-formatname should be kebab-case (lowercase letters, digits, hyphens) - warning
description-long-hermesdescription is 270 chars; the Hermes authoring standard requires ≤ 60 (one sentence, ending with a period)
Process rating: all ten parameters 49/100
- 0Result and completion. Does not say what the result is
- 0Inputs and preconditions. Does not say what the process needs to start
- 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
- 40Consistency. Frontmatter name (花呗) differs from the folder (huabei)
- 100Tools and files. No external tools needed
- 100Steps. 17 steps
- 100Execution cost. Instruction body is 303 tokens
- 100Running it twice. No mutating operations
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)
- +3Output format is not stated: the model decides each time
- +1No license
- +2Single-language instructions
- +3Description length 270: enough signal without eating the budget
- +4Structure: 7 headings
- +3Step-by-step instructions: 17 items
- +4Has examples (2 code blocks)
- +3All 1 scripts are documented
Quality base 70; lint remarks subtract, signals add up to 100. Result: 76.