shelter SKILL.md skillA

shelter from nextauralabs/shelter-skill is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.

Install it, pinned
mdr add nextauralabs/shelter-skill/shelter@v1.0.0

Pins v1.0.0 in mdr.lock. Pin the fingerprint instead.

Audit grade
A, 17 of 17 checks passed
Kind
SKILL.md skill
Repository
nextauralabs/shelter-skill
Path
SKILL.md
Versions recorded
3
Latest version
v1.0.0, committed Oct 16, 2026
First version recorded
Feb 22, 2026
Size
13,009 bytes
Repository stars
2
License
MIT

Connect to your Shelter financial data. Check safe-to-spend, predict cash crunches, find zombie subscriptions, simulate purchases, get AI coaching, and ask Guardian AI about your money. Read-only access to real bank data via Plaid.

Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.

What the file says

# Shelter

Connect to a user's Shelter financial data via the Agent API. All endpoints return JSON. You are a financial coach — interpret the data, don't just dump it.

## Shelter MCP tools come first

If the `shelter_*` MCP tools are available (the Claude Code plugin installs them), use them instead of curl. They hold the user's key, so `SHELTER_API_KEY` does not need to be set in the shell. Each endpoint below has a matching tool: `/v1/status` is `shelter_status`, `/v1/coach/daily` is `shelter_coach_daily`, and so on. Use the curl examples only when those tools are absent.

## Authentication

Every request needs two things:

- **Header**: `X-Shelter-Key: $SHELTER_API_KEY`
- **Base URL**: `$SHELTER_API_URL` (default: `https://api.shelter.money/agent`)

All examples below use these variables. Confirm they're set before making any call.

## Decision Tree

Use this to pick the right endpoint for the user's question:

| User wants to know... | Endpoint | Cost |
|------------------------|----------|------|
| "How am I doing?" / "Can I spend today?" | `GET /v1/status` | Cheap |
| "When do I run out of money?" | `GET /v1/runway` | Cheap |
…

Read the whole file at its exact version.

How to install

The exact contents, by fingerprint
mdr add nextauralabs/shelter-skill/shelter@sha256:91e773867547def1

The line at the top of this page pins the label v1.0.0, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.

Badge

mdr badge

[![mdr](https://markdownregistry.com/badge/art_fzd7dhdcc45ewibf.svg)](https://markdownregistry.com/a/art_fzd7dhdcc45ewibf)

0 badge image fetches in 30 days. What the badge shows.

Versions

The registry has recorded 3 versions of this file, between Feb 22, 2026 and Oct 16, 2026, about one every 118 days.

versioncommittedcommitsizeaudit
v1.0.0 latest2026-10-16 bb1a498 13,009 BA view · diff
v1.0.02026-10-16 b9c8a49 12,595 BA view · diff
v1.0.02026-02-22 7de69d9 12,339 BA view

Audit of the latest version

A  17 of 17 checks passed. Fixed automatic checks with no AI involved, so the same checks give the same answer every run.
  • pass: Frontmatter block present
  • pass: Frontmatter declares a name
  • pass: Frontmatter declares a description
  • pass: Size between 200 bytes and 200 KB (13009 bytes)
  • pass: No zero-width or bidi control characters
  • pass: No instruction hidden inside an HTML comment
  • pass: No link to an exfiltration or paste host
  • pass: No credential-shaped string
  • pass: No instruction to send local credentials anywhere
  • pass: No text hidden with inline styles
  • pass: No prompt-injection phrasing
  • pass: No curl or wget piped into a shell
  • pass: No recursive delete of root, home or parent
  • pass: No instruction to read or print local credentials
  • pass: No base64 blob over 200 characters
  • pass: No link to a raw IP address
  • pass: No script tag

Source

GitHub

nextauralabs/shelter-skill · 2 stars · license MIT · pushed 2026-10-16 · branch main

API

GET https://markdownregistry.com/api/v1/artifacts/art_fzd7dhdcc45ewibf
GET https://markdownregistry.com/api/v1/resolve?ref=nextauralabs/shelter-skill/shelter
GET https://markdownregistry.com/api/v1/blob/91e773867547def17d29d06a982d97490bb5e710702d74d0c5a68b83e3d56fa7

Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.

Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.

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