accounts
Skill1 starsChanged 17 days agoMITView on GitHub
Agency and client financial operations engine: milestone invoicing, value-based pricing models, recurring retainer billing, Chart of Accounts bookkeeping, client profitability and P&L modeling, cash flow runway forecasting, automated dunning escalation ladders, sovereign usage-based metering, and cross-border digital tax compliance — routed through nine modes. Use when asked to calculate value-based pricing proposals, compare sprint retainer vs fixed-scope contracts, send or schedule an invoice, execute automated dunning for overdue accounts, reconcile agency or client books, calculate client gross margins and effective hourly rates, forecast runway and cash buffers, evaluate GST/VAT digital services tax rules, or audit financial leakages. Not for general project management (ops) or payment code integration (webdev).
We split this skill into the rules it gives an agent
4 rules. 0 are common, 3 are distinctive, and 1 is very specific to this project.
0
Common
Most of the 5 edited versions we read keep these.
3
Distinctive
This author's own choices. Worth a look.
1
Very specific
Tied to their project's names, files or tools. Probably skip.
- Common
- Distinctive
- Very specific
- Distinctive: line 40
Every invocation resolves to exactly one mode.
- Distinctive: line 54
Only the resolved mode's reference is loaded — the rest stay on disk, saving tokens on every run.
- Distinctive: line 100
Execute Mode Playbook: Follow the structured intake, procedure, quality gate, and formulas defined in the reference.
- Very specific: line 101
Enforce Zero Credential Policy: Never output raw banking logins, credit card numbers, or live secret keys (sk_live_*).
“Common” is measured: kept by at least 6 in 10 of the 5 edited versions of this file we could read. “Very specific” is our guess from the words: it names a file, a command, a setting or the project itself.
Files
💰 accounts — Agency & Client Financial Operations Engine
The single source of truth for financial management, billing workflows, profitability modeling, cash runway preservation, and tax readiness across the agency and its clients.
Operates as the executive financial engine within the Agency Council (supporting Crew on delivery operations and the principal on capital allocation). Grounded in the unit economics and cash disciplines of bootstrapped CFO principles (charlie-cfo-skill) and cross-border digital service taxation (openaccountants).
Modes
Every invocation resolves to exactly one mode. Match the request, then load only the matched reference:
| Mode | Trigger phrases | Behavior | Reference |
| invoicing | "send invoice", "retainer billing", "milestone payment", "stripe invoice", "payment reminder" | Milestone billing, retainer schedules, deposit/prepayment terms, payment gateway links, and upfront deposit terms | references/invoicing.md |
| pricing | "pricing model", "agency pricing", "value-based pricing", "profitability calculator", "sprint retainer vs fixed scope", "pricing schedule" | Value-based pricing triangulation (min 5x ROI), delivery model matrix (fixed milestone vs sprint retainer vs rev-share), and margin floor enforcement | references/pricing.md |
| dunning | "dunning", "overdue invoice", "late payment", "pause delinquent client", "payment retry", "bad debt write-off" | Automated multi-tier escalation ladder (Day 1, 7, 14, 30), gateway smart retries, pause-on-delinquency triggers, and statutory bad debt tax credit write-offs | references/dunning.md |
| bookkeeping | "chart of accounts", "reconcile transactions", "categorize expenses", "double entry", "receipt matching" | Standard agency & client Chart of Accounts (COA), double-entry ledger classification, SaaS subscription audits, and contractor payouts | references/bookkeeping.md |
| client-pnl | "client profitability", "project margin", "effective hourly rate", "scope billing adjustment" | True client & project gross margin calculation (Revenue minus direct contractor fees, dedicated API tokens, infra costs), scope-creep margin leakage detection, and EHR | references/client-pnl.md |
| cashflow | "cash runway", "burn rate", "cash flow forecast", "DSO", "reserve buffer", "operating capital" | Bootstrapped CFO cash forecasting, Days Sales Outstanding (DSO) compression, AR aging analysis, and 3–6 month operating reserve + tax allocation buffers | references/cashflow.md |
| tax-compliance | "gst vat digital services", "contractor withholding", "w8ben 1099", "reverse charge", "statutory invoice" | Cross-border digital services tax rules (GST/VAT export zero-rating, reverse charge mechanism, place-of-supply), invoice statutory requirements, and contractor tax documentation | references/tax-compliance.md |
| billing-engine | "usage based billing", "metered billing", "telemetry metering", "billing engine", "dunning escalation", "circuit breaker billing" | Sovereign usage-based metering, SHA-256 event deduplication, graduated tiered pricing, spend circuit breakers, Stripe tax sync, and 3-tier dunning | references/billing-engine.md |
| audit | "financial audit", "audit expenses", "revenue leakage", "zombie subscriptions", "fx drag" | Comprehensive financial hygiene audit for agency or client accounts: detecting zombie subscriptions, unbilled deliverables, gateway payout delays, and FX drag | references/audit.md |
Only the resolved mode's reference is loaded — the rest stay on disk, saving tokens on every run.
When to Use
- Generating structured milestone, retainer, or upfront deposit invoices for agency clients.
- Setting up or auditing the Chart of Accounts (COA) for a modern software or digital agency.
- Calculating true client gross margins, contractor cost allocations, and Effective Hourly Rates (EHR).
- Forecasting 13-week rolling cash flow, measuring Days Sales Outstanding (DSO), and sizing cash reserve buffers.
- Navigating international digital service tax compliance (cross-border GST/VAT zero-rating, reverse charge rules).
- Auditing client or agency expense ledgers for recurring leakage, unbilled work, or gateway fee drag.
Anti-Triggers
- Routine project milestone delivery and SOW drafting →
ops(milestone mode). - Post-delivery client retention check-ins and review asks →
retain. - Client communication and status reporting →
client-comms. - Gateway code integration (Stripe API routes, webhook listeners) →
webdev(backend/fullstack). - Pricing strategy experiments and tier modeling →
growth(pricing mode).
Quick Reference
The Agency Financial Vital Signs
| Metric | Target Benchmark | Formula / Definition | Red Flag Threshold |
| Gross Margin per Client | ≥ 65% | $\frac{\text{Client Revenue} - \text{Direct Delivery Costs}}{\text{Client Revenue}}$ | < 50% (Unprofitable / Scope Creep) |
| Effective Hourly Rate (EHR) | ≥ $150/hr | $\frac{\text{Total Contract Value}}{\text{Total Delivery Hours (Internal + Contractor)}}$ | < Target minimum billable floor |
| Operating Cash Reserve | 3 to 6 months | Fixed Monthly OPEX $\times$ Reserve Multiplier | < 2 months of operational survival |
| Days Sales Outstanding (DSO) | ≤ 14 days | $\frac{\text{Accounts Receivable}}{\text{Total Credit Sales}} \times \text{Days}$ | > 30 days (Collections stall) |
| Tax Reserve Buffer | 20%–25% of Net | Automated transfer to dedicated tax sub-account | Withholding taxes paid from operating cash |
Dual Operating Context (Agency vs Client)
- Agency Context: Internal financial hygiene, partner distributions, contractor payouts, cash runway, studio profit margins.
- Client Financial Context: Advising clients on payment gateway configuration, e-commerce checkout fee optimization, SaaS subscription audits, and invoice templates for their end-users.
Procedure
- Intake & Scope: Establish context (Agency internal vs Client advisory) and identify the financial objective (invoicing, bookkeeping, margin review, cashflow modeling, tax review, or audit).
- Resolve Mode: Match request against the Modes table and load exactly one reference file (
references/<mode>.md). - Execute Mode Playbook: Follow the structured intake, procedure, quality gate, and formulas defined in the reference.
- Enforce Zero Credential Policy: Never output raw banking logins, credit card numbers, or live secret keys (
sk_live_*). Always mask as[REDACTED](Vibeguard Protocol). - Output Deliverable: Generate clear, auditable Markdown tables, CSV schemas, or step-by-step financial schedules.
Pitfalls
- Committing live payment secrets, private banking details, or real customer financial data into repo files.
- Treating top-line revenue as profit without deducting direct contractor fees, dedicated API costs, and hosting.
- Permitting invoices to age past 14 days without triggering automated polite dunning sequences.
- Confusing domestic invoice requirements with cross-border digital service export tax exemptions (LUT / Reverse Charge).
- Commingling tax reserve allocations with daily working operating capital.
Verification
- Target financial mode resolved and executed via dedicated reference.
- Calculations verified with explicit formulas (margins, EHR, DSO, runway).
- Zero secret leaks or credentials in output (Vibeguard Protocol compliant).
- Invoices and financial ledgers carry statutory requirements (invoice number, date, tax ID, terms).
- Financial findings and action items documented clearly for executive decision-making.
Other versions5 projects use a version of this.
Word for word · 0
None found.
Edited · 0
None found.
Wrote their own version · 5
- notque/claude-code-toolkit★ 444same name
- notque/vexjoy-agent★ 444same name
- qbeka/jev-job-search★ 5same name
- MGrin/bb-plugin-accounts★ 4same name
- grechj/Australian-Builders-Brain★ 0same name
How matches are found. Word for word: the exact same text. Edited: shares passages with this file (“99% same” means 99% of its five-word phrases also appear here; 10% or more counts). Their own version: similar meaning, or, weakest, the same name. We can’t tell which project had it first. Projects are counted among the 200 most-starred candidates, and mentions are links to the repository we found, up to 50 per site, so both counts are a floor.
In this repository49 other files it gives its agents.
- AGENTS.mdAGENTS.md
- CLAUDE.mdCLAUDE.md
- .github/copilot-instructions.mdCopilot instructions
- llms.txtllms.txt
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- seoSkill
- smmSkill
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- webdevSkill
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