@oriro/orirocli 0.1.0

package/skills/environment/env-water/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/environment/env-water/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: env-water
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+
+
+  Water management — water cycles, conservation, quality, treatment, and policy.
+
+
+  Sources: IPCC, NRDC, EPA, IRENA, World Resources Institute. All free public sources.
+---
+
+# Water Management
+
+## The water cycle
+
+**Evaporation → Transpiration (from plants) = Evapotranspiration → Condensation → Precipitation → Surface runoff + Infiltration → Groundwater → Evaporation (cycle repeats).**
+**Residence times:** Atmosphere: ~9 days. Rivers: ~2 weeks. Soil moisture: weeks-months. Groundwater: years-thousands of years. Ice sheets: thousands of years.
+
+## Water scarcity
+
+**Physical scarcity:** Insufficient water resources. Arid regions.
+**Economic scarcity:** Water exists but inaccessible due to infrastructure/investment gaps.
+**Water stress:** A region uses > 40% of available freshwater. Over 3 billion people live in water-stressed areas.
+**Groundwater depletion:** Many aquifers being depleted faster than recharge. Ogallala Aquifer (US), North India Aquifer, Saudi Arabia.
+**Climate change impact:** Changes precipitation patterns, increases evaporation, accelerates glacier melt (which feeds rivers). Wet areas getting wetter; dry areas drier.
+
+## Water quality
+
+**Contaminants:**
+Microbial: Bacteria (E. coli, Vibrio cholera), viruses, protozoa (Cryptosporidium, Giardia). Major cause of disease in developing countries.
+Chemical: Nitrates (agriculture), heavy metals (lead, arsenic), pesticides, pharmaceuticals, PFAS (forever chemicals).
+Physical: Sediment, turbidity, temperature.
+
+**Treatment approaches:**
+Household: Boiling (kills microbes), chlorination, filtration (ceramic, sand, activated carbon), UV disinfection.
+Municipal: Coagulation → settling → filtration → disinfection (see environmental engineering skill for detail).
+
+**PFAS (per- and polyfluoroalkyl substances):** Emerging contaminant. Found in firefighting foam, non-stick cookware, packaging. Extremely persistent ("forever chemicals"). EPA set MCLs of 4 ppt for PFOA and PFOS (2024).
+
+## Water conservation
+
+### Agriculture (70% of global freshwater use)
+
+Drip irrigation: 30-50% reduction vs. flood irrigation.
+Soil moisture monitoring: Irrigate only when needed.
+Drought-resistant crop varieties.
+Deficit irrigation: Deliberately mild water stress during non-critical growth periods.
+
+### Urban/industrial
+
+**Low-flow fixtures:** Toilets (1.28 gpf vs. 3.5 gpf old), showerheads (1.5 gpm vs. 2.5 gpm), faucet aerators.
+**Leak detection:** 10% of US homes have leaks wasting 90+ gallons/day.
+**Rainwater harvesting:** Collection and reuse for irrigation, toilet flushing.
+**Greywater reuse:** Sink/shower water for irrigation and toilet flushing.
+**Industrial water recycling:** Closed-loop cooling systems; process water reuse.
+
+## Water governance
+
+**Transboundary water:** 60% of freshwater flows cross international borders. 286 international river basins. Treaties and cooperation frameworks essential (e.g., Mekong River Commission).
+**Water rights:** Prior appropriation (western US — "first in time, first in right") vs. riparian rights (eastern US, most of world — landowners adjacent to water).
+**Human right to water:** UN declared access to safe drinking water and sanitation a human right (2010).
+
+Sources: USGS Water Resources (usgs.gov/water — free), WHO Guidelines for Drinking-Water Quality (free), World Resources Institute (wri.org/water — free), EPA water quality resources (epa.gov/water — free)

package/skills/finance/finance-accounting/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-accounting/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-accounting
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Accounting fundamentals — financial statements, bookkeeping, chart of accounts,
+  debits/credits, financial ratios, and reading a company's financials. Activate
+  for questions about accounting basics, reading financial statements, balance
+  sheets, income statements, cash flow, financial ratios, or any bookkeeping
+  question. Sources: OpenStax Accounting (CC-BY), FASB, AICPA public guidance.
+---
+
+# Accounting Fundamentals
+
+## The accounting equation
+
+**Assets = Liabilities + Equity**
+
+This must always balance. Every transaction affects at least two accounts.
+
+- **Assets:** What you own (cash, inventory, equipment, accounts receivable)
+- **Liabilities:** What you owe (accounts payable, loans, deferred revenue)
+- **Equity:** Owner's claim on assets (paid-in capital + retained earnings)
+
+---
+
+## The three financial statements
+
+### 1. Income Statement (Profit & Loss)
+
+Shows performance over a period (month, quarter, year).
+
+```
+Revenue
+- Cost of Goods Sold (COGS)
+= Gross Profit
+- Operating Expenses (SG&A, R&D, depreciation)
+= Operating Income (EBIT)
+- Interest Expense
+± Other Income/Expense
+= Income Before Tax
+- Income Tax
+= Net Income
+```
+
+**Gross Margin %** = Gross Profit / Revenue × 100
+Software SaaS: typically 70-80%. Retail: 25-50%. Restaurants: 60-70%.
+
+**Operating Margin %** = Operating Income / Revenue × 100
+Measures core business profitability before financing.
+
+**Net Margin %** = Net Income / Revenue × 100
+Bottom line profitability.
+
+### 2. Balance Sheet
+
+Snapshot of financial position on a specific date.
+
+```
+ASSETS
+  Current assets:
+    Cash and equivalents
+    Accounts receivable
+    Inventory
+    Prepaid expenses
+  Non-current assets:
+    Property, plant & equipment (net)
+    Intangible assets
+    Long-term investments
+TOTAL ASSETS
+
+LIABILITIES
+  Current liabilities (due within 1 year):
+    Accounts payable
+    Short-term debt
+    Deferred revenue
+    Accrued expenses
+  Non-current liabilities:
+    Long-term debt
+    Deferred tax
+
+EQUITY
+  Common stock
+  Additional paid-in capital
+  Retained earnings
+TOTAL LIABILITIES + EQUITY
+```
+
+### 3. Cash Flow Statement
+
+Tracks actual cash movements. Three sections:
+**Operating activities:** Cash from core business. Most important for ongoing health.
+**Investing activities:** Cash from buying/selling long-term assets.
+**Financing activities:** Cash from borrowing or equity issuances.
+
+**Why cash flow ≠ net income:**
+Accrual accounting records revenue when earned, not when cash received.
+Company can be profitable on income statement but running out of cash.
+Always check operating cash flow, not just net income.
+
+**Free Cash Flow (FCF):**
+= Operating Cash Flow - Capital Expenditures
+Represents cash available for dividends, debt repayment, or growth investments.
+
+---
+
+## Debits and credits
+
+The system that confuses everyone. Remember:
+
+| Account type | Debit    | Credit   |
+| ------------ | -------- | -------- |
+| Asset        | Increase | Decrease |
+| Liability    | Decrease | Increase |
+| Equity       | Decrease | Increase |
+| Revenue      | Decrease | Increase |
+| Expense      | Increase | Decrease |
+
+**Example:** Customer pays $1,000 cash for services.
+Debit Cash $1,000 (asset increases)
+Credit Revenue $1,000 (revenue increases)
+
+**Example:** Pay $500 rent.
+Debit Rent Expense $500 (expense increases)
+Credit Cash $500 (asset decreases)
+
+---
+
+## Key financial ratios
+
+### Liquidity ratios
+
+**Current Ratio:** Current Assets / Current Liabilities
+
+> 1.5 generally healthy. < 1 = may struggle to meet short-term obligations.
+
+**Quick Ratio (Acid Test):** (Current Assets - Inventory) / Current Liabilities
+More conservative. Excludes inventory (less liquid).
+
+**Cash Ratio:** Cash / Current Liabilities
+Most conservative. Bare minimum liquidity.
+
+### Profitability ratios
+
+**Return on Assets (ROA):** Net Income / Total Assets
+How efficiently assets generate profit.
+
+**Return on Equity (ROE):** Net Income / Shareholders' Equity
+Return generated for shareholders. Benchmark against industry.
+
+**EBITDA Margin:** EBITDA / Revenue
+Earnings before interest, taxes, depreciation, amortization.
+Proxy for operating cash flow generation. Common in M&A valuation.
+
+### Leverage ratios
+
+**Debt-to-Equity:** Total Debt / Shareholders' Equity
+Higher = more leveraged = more financial risk.
+
+**Interest Coverage:** EBIT / Interest Expense
+< 1.5 = struggling to cover interest. > 3 = comfortable.
+
+### Efficiency ratios
+
+**Days Sales Outstanding (DSO):** (Accounts Receivable / Revenue) × 365
+Average days to collect payment. Lower = more efficient.
+
+**Inventory Turnover:** COGS / Average Inventory
+How often inventory sold per year. Higher = better for most businesses.
+
+---
+
+## Basic bookkeeping
+
+### Chart of accounts
+
+Organized list of all accounts used by a business.
+Numbering convention:
+
+- 1000s: Assets
+- 2000s: Liabilities
+- 3000s: Equity
+- 4000s: Revenue
+- 5000s: Cost of Goods Sold
+- 6000s+: Operating Expenses
+
+### Accrual vs. Cash basis
+
+**Cash basis:** Record when cash received/paid. Simple. Required: < $25M revenue (C-Corps must use accrual regardless).
+**Accrual basis:** Record when earned/incurred regardless of cash. More complex. Required for GAAP reporting.
+
+### Accounts Receivable (AR)
+
+Money owed to you by customers.
+**Invoice terms:** Net 30 = payment due 30 days from invoice. Net 60, Net 90 also common.
+**AR aging report:** Lists unpaid invoices by age. Prioritize collection of oldest.
+**Bad debt reserve:** Estimate of AR that won't be collected. Required under GAAP.
+
+### Accounts Payable (AP)
+
+Money you owe to vendors.
+Pay on time to maintain relationships and credit terms.
+Early payment discounts: "2/10 net 30" = 2% discount if paid within 10 days.
+Annualized cost of not taking discount: ~36% — almost always take the discount.
+
+### Bank reconciliation
+
+Monthly: compare your books to bank statement.
+Differences: outstanding checks, deposits in transit, bank fees, errors.
+If you can't reconcile: there's an error or fraud.
+
+---
+
+## Startup bookkeeping setup
+
+**Accounting software:**
+QuickBooks Online: most common SMB. $30-100/month.
+Xero: popular outside US. $15-65/month.
+Wave: free for small businesses (US/Canada).
+
+**Minimum setup:**
+
+1. Separate business bank account (non-negotiable)
+2. Business credit card
+3. Chart of accounts configured
+4. Connect bank accounts to accounting software (auto-imports transactions)
+5. Categorize transactions weekly
+6. Monthly reconcile to bank statement
+7. Quarterly: review P&L and balance sheet
+
+**When to hire a bookkeeper:**
+When transactions > ~10-20/month. $200-500/month for part-time bookkeeper.
+When revenue > $250K/year: hire a CPA for quarterly review and annual returns.
+
+Sources: OpenStax Accounting (CC-BY, openstax.org),
+FASB Generally Accepted Accounting Principles (fasb.org),
+IRS accounting methods guidance, AICPA public education resources

package/skills/finance/finance-banking/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-banking/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-banking
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Banking and financial systems — how banks work, fractional reserve banking, central banks, monetary policy, and financial system fundamentals.
+
+  Sources: Federal Reserve educational resources, CFPB, IRS, financial education publicly available sources.
+---
+
+# Banking and Financial Systems
+
+## How banks work
+
+Banks take deposits and make loans. The spread between what they pay depositors and charge borrowers (net interest margin) is their primary revenue.
+**Fractional reserve banking:** Banks keep only a fraction of deposits in reserve; they lend out the rest. Required reserves (cash) + excess reserves = total reserves.
+**Money creation:** When banks lend, they create money. Bank loans a company $1M → company deposits it → bank lends 90% of that → cycle repeats. Money multiplier: 1 / reserve ratio.
+
+## Types of financial institutions
+
+**Commercial banks:** Chase, BofA. Full-service. Federally insured (FDIC up to $250K).
+**Credit unions:** Member-owned cooperatives. Non-profit. Often better rates. NCUA insured.
+**Investment banks:** Goldman Sachs, Morgan Stanley. Capital markets, M&A advisory, underwriting. Do NOT take retail deposits.
+**Central banks (Federal Reserve in US):** Monetary policy. Currency issue. Lender of last resort. Financial system stability.
+
+## Federal Reserve
+
+**Functions:** Set federal funds rate (target for overnight lending between banks), conduct open market operations (buy/sell Treasuries to add/remove money supply), set reserve requirements (now 0%), supervise banks.
+**Dual mandate:** Maximum employment + stable prices (2% inflation target).
+**Tools:** Interest rates (primary), quantitative easing/tightening (secondary), forward guidance (signals future actions).
+
+**Federal Funds Rate impact:**
+Rate up → borrowing costs rise → spending slows → inflation falls → unemployment may rise.
+Rate down → borrowing costs fall → spending increases → economy stimulates → inflation may rise.
+
+## Banking regulation
+
+**FDIC:** Insurance up to $250K per depositor per bank.
+**OCC:** Charters and regulates national banks.
+**Federal Reserve:** Regulates bank holding companies, state-chartered member banks.
+**FDIC + Fed + OCC = the triumvirate** of federal bank regulation.
+**Dodd-Frank:** Post-2008 financial crisis reform. Increased capital requirements (Basel III), Volcker Rule (limits proprietary trading), stress tests (DFAST), FSOC (systemic risk oversight), CFPB (consumer protection).
+
+## Payments infrastructure
+
+**ACH (Automated Clearing House):** Batch electronic transfers. 1-2 business days. Low cost. Used for payroll, bill pay.
+**Wire transfer (Fedwire):** Same-day, final settlement. Higher cost. Large transactions.
+**SWIFT:** International interbank messaging. Not a settlement system itself.
+**Visa/Mastercard:** Card network — routing and rules. Banks issue cards.
+**Interchange fees:** Merchant pays when card used (~1.5-3% of transaction). Split between issuing bank, network, acquiring bank.
+
+Sources: Federal Reserve education resources (federalreserveeducation.org — free), FDIC (fdic.gov — free), CFPB (consumerfinance.gov — free), Bank for International Settlements (bis.org — free research)

package/skills/finance/finance-corporate/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-corporate/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-corporate
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Corporate finance — valuation, DCF analysis, capital structure, financial
+  modeling, M&A, and corporate financial decision-making. Activate for questions
+  about company valuation, DCF, WACC, capital structure, mergers, acquisitions,
+  financial modeling, or any corporate finance topic. Sources: CFA Institute
+  curriculum (principles), Damodaran NYU public lectures and textbooks, Berk & DeMarzo.
+---
+
+# Corporate Finance
+
+## Valuation methods
+
+### DCF (Discounted Cash Flow)
+
+Most theoretically correct valuation method. Value = present value of all future cash flows.
+
+**Free Cash Flow to Firm (FCFF):**
+FCFF = EBIT × (1-tax rate) + D&A - ΔWorking Capital - CapEx
+
+**Terminal value:**
+Gordon Growth Model: TV = FCF × (1+g) / (WACC - g)
+where g = sustainable long-term growth rate (typically GDP growth = 2-3%)
+
+**Discount rate = WACC:**
+WACC = (E/V × Re) + (D/V × Rd × (1-T))
+E = market value of equity, D = market value of debt, V = E+D
+Re = cost of equity (from CAPM), Rd = cost of debt, T = tax rate
+
+**CAPM (Capital Asset Pricing Model):**
+Re = Rf + β × (Rm - Rf)
+Rf = risk-free rate (10-yr Treasury), β = systematic risk, Rm-Rf = equity risk premium (~5-7%)
+
+**Enterprise Value:**
+EV = NPV of all FCFFs = Equity value + Debt - Cash
+
+### Comparable company analysis (Comps)
+
+Value based on multiples of similar companies.
+**EV/EBITDA:** Most common. Less affected by capital structure.
+**P/E:** Price-to-earnings. Affected by capital structure and non-recurring items.
+**EV/Revenue:** Used for high-growth companies not yet profitable.
+**EV/EBIT:** Useful for capital-light businesses.
+
+Process: Select comparable companies → Calculate their multiples → Apply to subject company
+
+### Precedent transaction analysis
+
+Similar to comps but uses acquisition multiples from past deals.
+Includes control premium (20-30% above market) that comps don't.
+
+## Capital structure
+
+### Modigliani-Miller theorem
+
+Proposition I (no taxes): Capital structure irrelevant to firm value.
+Proposition II (no taxes): Cost of equity increases with leverage.
+Real world: Taxes matter (debt creates tax shield). Distress costs matter.
+
+**Optimal capital structure:** Balance tax shield from debt against expected bankruptcy costs.
+Investment-grade companies: typically 20-40% debt.
+High-growth companies: minimal debt (preserve flexibility).
+Mature, stable cash flow businesses: can support high leverage (utilities, telecoms, LBOs).
+
+### Cost of capital
+
+**Debt financing:** Tax-deductible interest. Lower cost than equity. Creates financial risk.
+**Equity financing:** No mandatory payments. More expensive than debt. No financial risk.
+
+**Levered beta vs. unlevered beta:**
+βL = βU × [1 + (1-T) × (D/E)]
+To find unlevered beta of a business, remove the effect of leverage from comparable companies.
+
+## Financial modeling best practices
+
+**Separate inputs from calculations:** Blue cells = inputs/assumptions. Black cells = formulas.
+**Consistent structure:** Every row is one item. Every column is one period.
+**Forecast period:** Typically 5-10 years until terminal value.
+**Sensitivity analysis:** Show how value changes with WACC and growth rate assumptions.
+**Scenario analysis:** Base, bull, bear cases with different underlying assumptions.
+
+## M&A fundamentals
+
+**Acquisition premium:** Typically 20-40% over unaffected market price.
+**Synergies:** Value justification for paying above standalone value.
+Cost synergies: Headcount reduction, facility consolidation, procurement savings.
+Revenue synergies: Cross-selling, market expansion. Harder to achieve.
+
+**Accretion/Dilution analysis:**
+Does the acquisition increase or decrease acquirer's EPS?
+Accretive: Target P/E < Acquirer P/E (in stock deals) or synergies are large.
+Dilutive: Must be justified by long-term strategic value or synergies.
+
+**LBO (Leveraged Buyout):**
+Acquire company using mostly debt. Returns driven by: cash flow paydown, multiple expansion, EBITDA growth.
+Target IRR: 20-25%+. Hold period: 3-7 years.
+Best LBO candidates: Stable cash flows, low existing debt, operational improvement potential, strong management.
+
+Sources: Damodaran Online (pages.stern.nyu.edu/~adamodar — free), CFA Institute curriculum principles,
+Berk & DeMarzo "Corporate Finance" (principles), Investopedia corporate finance content

package/skills/finance/finance-crypto/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-crypto/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-crypto
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Digital assets and blockchain — how blockchains work, cryptocurrency types,
+  DeFi basics, custody, risks, regulation, and responsible approach to digital
+  assets. Activate for questions about Bitcoin, Ethereum, crypto investing,
+  DeFi, NFTs, blockchain technology, or any digital asset question.
+  Sources: MIT Digital Currency Initiative, a16z crypto education, SEC guidance.
+  Crypto is speculative and high-risk. Never invest more than you can afford to lose completely.
+---
+
+# Digital Assets and Blockchain
+
+## How blockchain works
+
+A blockchain is a distributed ledger — a database copied across thousands of computers (nodes).
+Each block contains: transaction data + timestamp + cryptographic hash of previous block.
+Changing any past block invalidates all subsequent blocks → tamper-evident.
+
+**Consensus mechanisms:**
+Proof of Work (PoW): Miners compete to solve computational puzzle; winner adds block. Bitcoin uses this. Energy-intensive but battle-tested.
+Proof of Stake (PoS): Validators lock up (stake) tokens for right to add blocks; chosen by weighted probability. Ethereum moved to this in 2022. Much more energy-efficient.
+
+**Public vs. Private keys:**
+Private key: Secret number that proves ownership. Never share. Lose it = lose your crypto.
+Public key (wallet address): Like a bank account number. Share to receive crypto.
+No bank, no recovery, no customer service. Custody = responsibility.
+
+## Major cryptocurrencies
+
+**Bitcoin (BTC):**
+Fixed supply of 21 million. No central authority. Store of value proposition.
+Halving every 4 years reduces new supply. Known difficulty and emission schedule.
+Most liquid, longest track record, most institutional adoption.
+
+**Ethereum (ETH):**
+Smart contract platform. Enables DeFi, NFTs, DAOs, and most of Web3.
+Not just a currency — it's programmable money infrastructure.
+EIP-1559 and PoS transition made ETH deflationary under high usage.
+
+**Stablecoins:**
+Pegged to USD (or other assets). Designed to not fluctuate.
+USDC (Circle): Regulated, backed by cash and Treasuries. Most trusted.
+USDT (Tether): Largest by volume; some reserve transparency concerns.
+DAI: Algorithmic, collateral-backed. Overcollateralized.
+Algorithmic stablecoins (Terra/LUNA): Collapsed in 2022 — avoid.
+
+## DeFi (Decentralized Finance)
+
+Financial services without intermediaries, running on smart contracts.
+
+**DEX (Decentralized Exchange):** Trade crypto without a centralized exchange. Uniswap, Curve.
+**Lending protocols:** Borrow against crypto collateral or lend to earn yield. Aave, Compound.
+**Yield farming:** Provide liquidity for fees and rewards. High yields = high risk.
+
+**DeFi risks:**
+Smart contract bugs: Billions lost to hacks.
+Impermanent loss: Liquidity provision can result in less value than holding.
+Rug pulls: Project team abandons and takes funds.
+Liquidation: Falling collateral value triggers forced liquidation.
+
+## NFTs (Non-Fungible Tokens)
+
+Unique tokens on a blockchain. Proof of ownership of a digital (or sometimes physical) item.
+**Limitations:** Owning an NFT usually means owning a record on a blockchain, not the underlying file.
+Most NFT projects have seen 90%+ value declines. Highly speculative.
+
+## Custody
+
+**Centralized exchanges (Coinbase, Binance, Kraken):** Easy to use. Not your keys, not your coins. Exchange failures (FTX, Mt. Gox) = user funds lost.
+**Hardware wallets (Ledger, Trezor):** Private keys stored offline. Most secure for significant amounts. Requires safe backup of seed phrase.
+**Seed phrase:** 12 or 24 words that can recover your wallet. Store offline in multiple secure locations. NEVER photograph, email, or store digitally.
+
+## Responsible approach
+
+1. Only invest what you can afford to lose completely — crypto is speculative
+2. Understand what you own before buying
+3. Use regulated exchanges with strong security
+4. Self-custody significant amounts
+5. Don't fall for "guaranteed returns" — all yield has corresponding risk
+6. Tax implications: Crypto trades are taxable events in most jurisdictions
+
+## Regulation landscape
+
+US: SEC considers many tokens securities (subject to securities law). CFTC has jurisdiction over commodities (BTC, ETH). FinCEN regulates exchanges as money service businesses. Unclear framework ongoing.
+EU: MiCA (Markets in Crypto-Assets) provides clearer framework from 2024.
+Globally: Ranges from embrace (El Salvador, UAE) to prohibition (China).
+
+Sources: MIT Digital Currency Initiative (dci.mit.edu), SEC crypto guidance (sec.gov/crypto),
+Ethereum.org documentation, Bitcoin.org documentation, a16z crypto education (a16zcrypto.com/education)