index.md
Moov AI skills
Give your AI coding assistant offline access to opinionated Moov integration patterns.
What is an AI skill?
An AI skill is a markdown file that gives your coding assistant domain-specific knowledge — API patterns, code examples, best practices, and common pitfalls. The Moov skill teaches your AI assistant how to correctly build payment integrations, using native Moov features instead of building custom solutions.
The skill works offline with no network calls. It complements the docs MCP server (live documentation search) and the OpenAPI spec (exact field-level schemas).
What's included
- Server-side token generation, scopes, and the multi-token pattern
- API version headers and OpenAPI spec reference
- Account creation for individuals and businesses
- Capability reference table
- Hosted onboarding for merchant KYC/KYB
- Resolution links for fixing verification issues
- Bank account linking and micro-deposit verification
- Card linking, verification, card-on-file, and card account updater
- Apple Pay and Google Pay integration
- Wallet management and automatic sweeps to bank accounts
- Moov.js / Drops: pre-built PCI-compliant UI components (card input, onboarding, payment methods)
- Transfer creation with Go, TypeScript, Python, and cURL examples
- Payment rail comparison table
- Refunds and reversals (automatic cancel-or-refund logic)
- Dispute/chargeback handling with evidence submission
- Transfer groups for chained/split payments
- Scheduled and recurring transfers with RRULE
- Invoices with line items, payment links, and status tracking
- Payment links for collecting payments and disbursing payouts (hosted checkout and payout flows)
- Branded receipt emails
- Enrichment: institution lookup, address autocomplete, profile enrichment
- Card issuing patterns
- Tap to Pay on iPhone and Android
- Webhook event reference and signature verification
- Card failure codes and common errors
- SDK installation (Go, TypeScript, Python, .NET, Moov.js)
- Docs MCP server setup
- Test mode patterns
Install the skill
All downloads use public URLs at docs.moov.io — no authentication needed. Skills are also available directly from GitHub.
Example Downloads
mkdir -p .claude/skills/moov-api/accounts .claude/skills/moov-api/payment-sources .claude/skills/moov-api/money-movement .claude/skills/moov-api/commerce .claude/skills/moov-api/issuing
# From docs.moov.io
curl -sL https://docs.moov.io/skills/moov-api/SKILL.md -o .claude/skills/moov-api/SKILL.md
curl -sL https://docs.moov.io/skills/moov-api/accounts/SKILL.md -o .claude/skills/moov-api/accounts/SKILL.md
curl -sL https://docs.moov.io/skills/moov-api/payment-sources/SKILL.md -o .claude/skills/moov-api/payment-sources/SKILL.md
curl -sL https://docs.moov.io/skills/moov-api/money-movement/SKILL.md -o .claude/skills/moov-api/money-movement/SKILL.md
curl -sL https://docs.moov.io/skills/moov-api/commerce/SKILL.md -o .claude/skills/moov-api/commerce/SKILL.md
curl -sL https://docs.moov.io/skills/moov-api/issuing/SKILL.md -o .claude/skills/moov-api/issuing/SKILL.md
Supported tools at a glance
| Tool | Config file | Auto-discovery |
|---|---|---|
| Claude Code | .claude/skills/moov-api/SKILL.md |
Yes — loads relevant skills per question |
| Cursor | .cursor/rules/moov-api/*.md or .cursorrules |
Yes — rules loaded per session |
| Windsurf | .windsurfrules |
Yes — loaded on session start |
| GitHub Copilot | .github/copilot-instructions.md |
Yes — loaded per session |
| Codex CLI | AGENTS.md |
Yes — loaded on agent start |
| VS Code | .github/copilot-instructions.md |
Yes — loaded per session |
| ChatGPT / Manual | Paste into conversation | No — copy and paste |
How the skill works
The skill is an offline reference — no network calls, no API keys, no MCP connection needed. Your AI assistant reads from disk and uses the patterns to generate code.
Key behaviors:
- Defaults to hosted: Unless the developer indicates they have an existing UI, the skill recommends hosted flows (payment links, hosted onboarding) over embedded API integration
- Opinionated patterns: Uses native Moov features (sweeps, scheduled transfers, invoices) instead of building custom solutions
- SDK-aware: Generates code using the correct Moov SDK for the developer's language
- Complement with live data: For exact field names and response schemas, pair the skill with the OpenAPI spec or docs MCP server
Example prompts
Tip: Tell your AI assistant which language you're using (Go, TypeScript, Python, or .NET) so it generates code with the correct Moov SDK. If you don't specify, a good AI assistant should ask.
Rental property management
I'm building a rental property management platform. I need to collect rent from tenants and send payouts to property managers.
Flows I need:
- Merchant onboarding — Property management companies sign up on my platform. I need them to complete KYC/KYB verification and agree to pricing. I want a hosted flow, not custom identity verification forms.
- Tenant accounts — When a tenant signs a lease, create an account for them and collect their payment method (bank account for ACH, or card).
- Monthly rent — Fixed amount, collected on the 1st of every month via ACH debit from the tenant's bank account to the property manager's Moov wallet. This should be automated, not a custom scheduler.
- Variable charges — Cleaning fees, maintenance charges, early check-in fees. One-off, variable amounts. Send the tenant an itemized bill they can pay online with card or bank transfer.
- Webhooks — Track payment status and invoice status to update my database.
Logistics disbursements
I'm building a logistics platform that connects shipping companies with owner-operator truckers. When a trucker completes a load delivery, the platform needs to pay them out.
Flows I need:
- Shipping company onboarding — Shipping companies sign up on my platform. I need them to complete KYC/KYB verification and agree to pricing. I want a hosted flow, not custom identity verification forms.
- Trucker payouts — When a trucker completes a delivery, my platform confirms the load and needs to send payment. Truckers should receive a link where they verify their identity, add their debit card or bank account, and get paid. I want a hosted disbursement flow, not a custom UI for collecting trucker payment methods. Instant payouts to debit cards are preferred, with ACH as a fallback.
- Track disbursement status — I need to know when a payout link is completed and funds are sent so I can update the load status in my system.
OpenAPI specification
The OpenAPI spec is the machine-readable source of truth for all Moov API endpoints, request/response schemas, and parameters. Point your AI tool at the spec when you need exact field names, types, or validation rules.
- API reference: docs.moov.io/api/ — rendered documentation with per-endpoint examples
- OpenAPI spec download: spec.speakeasy.com/moov/moov/api-v2026.04.00 — raw YAML spec for the current stable version
To download a different version, replace the version in the URL (e.g. api-v2025.07.00).
Contribute
Skills are open source at github.com/moovfinancial/moov-skills. Contributions welcome — you can improve existing skills, fix errors, or add new example prompts. See the contributing guide for details.
Comparison table
| Tool | Best for | How it's used |
|---|---|---|
| Docs MCP server | AI tools that support MCP (Claude Code, Cursor, Windsurf) | Installed once, searches docs on demand per question |
| Moov MCP | Live API operations (create accounts, transfers) | Installed once, calls Moov API directly with your credentials |
| AI skill | Offline coding patterns you can paste and run | Copied into your project, loaded automatically by your IDE |
| llms-full.txt | Tools without MCP support, long-context models, RAG pipelines | Paste URL into Claude/Gemini, or feed into custom agent |
| llms.txt | Auto-discovery and structural overview | Fetched automatically by some AI tools at the domain root |
| OpenAPI spec | Exact request/response schemas and field types | Download YAML and feed to AI, or reference for code generation |