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BC Mercury Payments Skill

Pay invoices via Mercury bank API, notify Zeni (bookkeeper) and the vendor, and always attach the invoice PDF.

modbender/skill-library-mcp Agent Skills author: modbender MIT 1 file body ≈ 1 224 tokens Open the sourcegithub.com↗ analyzed 2 d ago

Pay invoices via Mercury bank API, notify Zeni (bookkeeper) and the vendor, and always attach the invoice PDF.

As a process C 51/100 · Has gaps — weak spots: result and completion, when it triggers, failures and branches

IntegrationFinancetype 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
B
83/100
safety, quality, tests
Safety 60%
96
Quality 40%
64
Run on models
none yet
Process rating
C
51/100
Has gaps
Result and completion w 14
0
Failures and branches w 10
0
Progress reporting w 2
0
the three weakest of ten parameters · all ten

How to improve

  1. Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
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 · 4

✓ No critical or high findings

Medium and low: 4
  • low Exfiltration net-credential-use SKILL.md:21
    Credential used in a network call (verify the destination is the intended service) (the skill's own vendor host)
    curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/accounts"
    vendor-host
  • low Exfiltration net-credential-use SKILL.md:39
    Credential used in a network call (verify the destination is the intended service) (the skill's own vendor host)
    curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/recipients" | python3 -c "..."
    vendor-host
  • low Exfiltration net-credential-use SKILL.md:127
    Credential used in a network call (verify the destination is the intended service) (the skill's own vendor host)
    curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/account/{id}/transactions?limit=500"
    vendor-host
  • low Exfiltration net-credential-use SKILL.md:130
    Credential used in a network call (verify the destination is the intended service) (the skill's own vendor host)
    curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/account/{id}/transactions?start=…&end=…&limit=500"
    vendor-host

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

Against the Agent Skills spec

  • warning name-format name should be kebab-case (lowercase letters, digits, hyphens)
  • warning description-no-when description does not say WHEN to use the skill (no "use when")

Process rating: all ten parameters 51/100

  • 0Result and completion. Does not say what the result is
  • 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. 4 mutating operations with no state check
  • 40Consistency. Frontmatter name (Mercury Payments Skill) differs from the folder (mercury-payments)
  • 70Inputs and preconditions. Inputs and preconditions are listed
  • 85Steps. 16 steps, 2 vague phrases
  • 100Tools and files. No external tools needed
  • 100Execution cost. Instruction body is 1224 tokens
  • low The response is described with custom markup (6 tags): a typed call is more reliable

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)
  • +3Description length 110: 120–800 characters recommended
  • +3Output format is not stated: the model decides each time
  • +1No license
  • +2Single-language instructions
  • +4Structure: 17 headings
  • +3Step-by-step instructions: 16 items
  • +4Has examples (7 code blocks)

Quality base 70; lint remarks subtract, signals add up to 100. Result: 64.