git:20260528.7aa0942 to git:20260719.1748a98

24 added, 1 removed. Audit A to A.

---

name: akahu-personal

- description: Query personal transactional bank-account data — account lists, balances, settled/pending transactions, account-specific transaction history, and private JSON/CSV exports — from Akahu, a New Zealand open-banking provider. Use when the task involves personal bank data exports, NZ account balances, transaction analysis, cashflow/spending categorisation, or inspecting authenticated Personal App banking data. Requires user-provided AKAHU_APP_TOKEN and AKAHU_USER_TOKEN; never smoke-test against real personal data in CI.

+ description: "Query personal transactional bank-account data — account lists, balances, settled/pending transactions, account-specific transaction history, and private JSON/CSV exports — from Akahu, a New Zealand open-banking provider. Use when the task involves personal bank data exports, NZ account balances, transaction analysis, cashflow/spending categorisation, or inspecting authenticated Personal App banking data. Requires user-provided AKAHU_APP_TOKEN and AKAHU_USER_TOKEN; never smoke-test against real personal data in CI."

+ license: MIT

+ compatibility: "Requires Python 3.10+ and network access for live data"

+ metadata:

+ thecolab.category: "finance"

+ thecolab.source_owner: "Akahu"

+ thecolab.source_type: "official"

+ thecolab.auth: "personal-token"

+ thecolab.access_mode: "authenticated-personal"

+ thecolab.data_class: "personal"

+ thecolab.writes: "true"

+ thecolab.browser: "false"

+ thecolab.risk: "high"

+ thecolab.cache_ttl: "none"

+ thecolab.schema_version: "1"

+ thecolab.skill_type: "authenticated-personal"

+ thecolab.pack: "nz-personal-data"

+ thecolab.source_url: "https://api.akahu.io/v1"

+ thecolab.allowed_domains: "api.akahu.io"

+ thecolab.last_verified: "2026-07-19"

+ thecolab.health: "gated"

+ thecolab.maintainer: "@adam91holt"

+ thecolab.mutations: "authenticated-api-post,authenticated-api-put,authenticated-api-patch,authenticated-api-delete,local-private-export"

+ thecolab.local_output: "private-json-csv-export"

---

# Akahu Personal App

## Goal

Fetch a user's own Akahu Personal App data through a small deterministic CLI, without committing tokens or financial exports.

## Use this when

- The user has created an Akahu Personal App and supplied tokens out-of-band

- A task needs Akahu `/me`, account balances, account metadata, or recent transactions

- A workflow needs settled or pending transaction samples for analysis

- A workflow needs a local JSON/CSV export of personal NZ banking data

## Privacy and safety

- Requires both `AKAHU_APP_TOKEN` and `AKAHU_USER_TOKEN` in the environment.

- Treat output as personal financial data. Save only to private paths and do not paste raw exports into issues, PRs, logs, or shared chats.

- Account numbers are redacted by default. Pass `--raw-account-numbers` only in a private environment.

- CI smoke tests intentionally skip live API calls because this skill requires personal credentials and personal banking data.

## CLI

```bash

export AKAHU_APP_TOKEN='app_token_...'

export AKAHU_USER_TOKEN='user_token_...'

python3 skills/akahu-personal/scripts/cli.py me --json

python3 skills/akahu-personal/scripts/cli.py accounts --json

python3 skills/akahu-personal/scripts/cli.py transactions --limit 20 --json

python3 skills/akahu-personal/scripts/cli.py endpoint /accounts/<account_id>/transactions/pending --json

python3 skills/akahu-personal/scripts/cli.py export --out-dir /private/akahu-export

```

Commands:

- `me [--json]` - call `/v1/me`

- `accounts [--json] [--raw-account-numbers]` - list accounts and balances

- `transactions [--limit N] [--start ISO] [--end ISO] [--json] [--raw-account-numbers]` - recent settled transactions

- `endpoint PATH [--method METHOD] [--param key=value] [--data-json JSON] [--data-file FILE]` - advanced escape hatch for documented Akahu paths if the Personal App token has permission; non-GET methods require `--i-understand-this-can-mutate`

- `export --out-dir DIR [--limit N] [--raw-account-numbers]` - write private JSON exports with `0600` file permissions

## Resources

- CLI: `scripts/cli.py`

- Smoke test: `scripts/smoke_test.py` (intentional skip)

- API notes: `references/api-notes.md`