{
  "$schema": "https://schemas.agentskills.io/discovery/0.2.0/schema.json",
  "skills": [
    {
      "name": "credit-union-discovery",
      "type": "skill-md",
      "description": "Find credit unions near a ZIP code, inspect their current rates and source-labelled NCUA profiles, and check published membership paths before recommending one. Use when a user asks which credit unions they can join, what a specific credit union offers, or which lenders serve a location.",
      "url": "/.well-known/agent-skills/credit-union-discovery/SKILL.md",
      "digest": "sha256:eba1f1580ac4eb0aee48bd0f01409c5665e0a5d3a01b46fe5c8657148172991d"
    },
    {
      "name": "rate-shopping",
      "type": "skill-md",
      "description": "Rank live credit-union loan offers for a specific borrower scenario and explain why each offer ranked where it did. Use when a user asks who has the best rate, wants offers compared, or asks why one lender beat another.",
      "url": "/.well-known/agent-skills/rate-shopping/SKILL.md",
      "digest": "sha256:d34009d47404c76f1c813bb46558af54a85d73fa8f5233e2c8aa9d2dc6b33d9b"
    },
    {
      "name": "affordability",
      "type": "skill-md",
      "description": "Compute maximum monthly payment, maximum loan amount, and maximum home price from income, existing debts, down payment and DTI limits. Use when a user asks how much house they can afford or how large a loan they qualify for.",
      "url": "/.well-known/agent-skills/affordability/SKILL.md",
      "digest": "sha256:04258755bcf7bbdbc7c050cb8a28c4212e8b2eb61b3a4b89771b63c2fae225b3"
    },
    {
      "name": "refinance-break-even",
      "type": "skill-md",
      "description": "Given a current loan and the costs of refinancing, compute the break-even month and the lifetime savings against live rates. Use when a user asks whether refinancing is worth it or when they would recoup closing costs.",
      "url": "/.well-known/agent-skills/refinance-break-even/SKILL.md",
      "digest": "sha256:0678d6655844dae989be0f15d48f7186c67672a23800b6e6784ed6106b419467"
    },
    {
      "name": "rate-monitoring",
      "type": "skill-md",
      "description": "Watch rates for a market segment and fire a webhook when they move materially, or subscribe a consumer to email rate alerts. Use when a user wants to be notified of rate changes rather than asking repeatedly.",
      "url": "/.well-known/agent-skills/rate-monitoring/SKILL.md",
      "digest": "sha256:75aad96adfcea22bb2b139f238ac1c8313a93f05352500a76dce5e63589f37d5"
    },
    {
      "name": "deposit-beta",
      "type": "skill-md",
      "description": "Estimate deposit betas and benchmark deposit rates for treasury and ALM teams, measuring how deposit pricing tracks the policy rate across institutions and markets. Use for balance-sheet, funding-cost, or competitive deposit-pricing analysis.",
      "url": "/.well-known/agent-skills/deposit-beta/SKILL.md",
      "digest": "sha256:bb150533f1d1eb53b8f50be893ee50be19229fb4e4d430a4388fd27e99dbe034"
    }
  ]
}