Automated summary
This skill guides the analysis of Chilean fintech platforms and investment offers by requiring verification in the CMF's RPSF registry and citation of the applicable legal framework.
Strengths
- Structured triage that captures the service, amount, promised return, and contact source.
- Mandatory RPSF check before responding about any named platform.
- Specific references to Law 21.521, CMF NCG 502/514, and the SIF Manual.
- Clear red-flag checklist covering guaranteed high returns, unofficial payment channels, and urgency pressure.
Limitations
- Heavily specific to Chile's regulatory framework and the CMF.
- Relies on access to search, legislative-reading, and official-source lookup tools.
- Does not replace professional legal or financial advice and cannot by itself prove illegality.
Use when a user asks about a Chilean fintech platform, crowdfunding offer, local crypto exchange, promised investment return, or whether a financial service is authorized by the CMF.
Avoid for investments outside Chile, generic financial advice without a regulated fintech dimension, or when official-source verification cannot be performed.
Security analysis
SafeThe skill is purely advisory: it defines a triage protocol, cites Chilean fintech regulation (Ley 21.521, NCG 502/514), and instructs read-only lookups against official regulator websites to verify whether a platform is registered. There is no shell execution, no secret handling, no network calls to untrusted hosts, and no instruction that could cause harm. The only notable gap is that the tool names it invokes are not declared, which could cause the agent to improvise, but that carries no meaningful security exposure.
- •References tool calls (fetch_official_source, search_corpus, read_bcn_law, read_ncg) that are not declared in allowed-tools — the agent may not have them, but this is a correctness/consistency issue, not a risk vector.
- •All outbound URLs point to official Chilean government/regulator domains (cmfchile.cl, bcn.cl); no third-party, no obfuscation, no data exfiltration paths.
- •No destructive commands, no credential handling, no instruction to bypass safety or send user data anywhere.
Examples
Quiero invertir en [plataforma] que promete 8% mensual; ¿está autorizada por la CMF y qué riesgos ves?Me ofrecen participar en crowdfunding inmobiliario con rendimiento garantizado del 2% mensual. ¿Es legal en Chile y cómo verifico si está en el RPSF?Un exchange local me pide transferir cripto a una wallet personal para invertir. ¿Qué señales de fraude y obligaciones regulatorias debo revisar?name: fintech_inversiones description: Activar cuando el usuario describa una inversión, plataforma de crowdfunding, asesoría crediticia o de inversión, custodia digital, exchange de criptoactivos local, rendimientos prometidos por una fintech, sistema de finanzas abiertas (Open Finance), o duda sobre si una plataforma está autorizada por la CMF. Palabras gatillo: fintech, plataforma de inversión, crowdfunding, P2P, asesoría financiera, exchange, custodia, open finance, RPSF, rendimiento garantizado.
Skill — Fintech, inversiones y servicios financieros tecnológicos
Cuando esta Skill esté activa, sigue este protocolo.
1. Triage
Necesitas saber:
- Nombre exacto de la plataforma o fintech.
- Servicio que está usando: crowdfunding, asesoría crediticia, asesoría de inversión, custodia, intermediación, sistema alternativo de transacción.
- Monto invertido y rendimiento prometido (banderas rojas: > 20% mensual, "garantizado", urgencia).
- ¿Está la plataforma registrada en RPSF (CMF)? — siempre verificar.
- Origen del contacto (red social, recomendación, llamada en frío).
2. Marco normativo aplicable
- Ley 21.521 (Fintec), vigente 3 feb 2023 — marco general de servicios financieros tecnológicos: crowdfunding, asesoría crediticia, custodia, sistema de finanzas abiertas. https://www.bcn.cl/leychile/navegar?idNorma=1187323
- NCG 502 CMF (2024) — Registro de Prestadores de Servicios Financieros (RPSF) y obligaciones operacionales. https://www.cmfchile.cl/normativa/ncg_502_2024.pdf
- NCG 514 CMF (2024) — Sistema de Finanzas Abiertas (Open Finance), portabilidad de datos financieros. https://www.cmfchile.cl/normativa/ncg_514_2024.pdf
- Manual SIF (CMF, ene 2025) — requisitos de ciberseguridad para fintech.
3. Plazos críticos a verificar con search_corpus
- Plazos de inscripción y autorización RPSF (Ley 21.521).
- Plazos de implementación del Sistema de Finanzas Abiertas (NCG 514, fase 24-36 meses).
- Plazos de respuesta de la fintech a un reclamo del cliente.
4. Autoridad correspondiente
- Fintech registrada en RPSF y problema regulatorio → CMF (cmfchile.cl/atencion-al-publico).
- Plataforma NO registrada que ofrece servicios regulados → posible operación ilegal: alerta CMF + denuncia.
- Promesa de rendimiento irreal o esquema piramidal sospechoso → derivar a Skill `fraude_suplantacion` y revisar alertas CMF al público llamando `fetch_official_source({ url: "https://www.cmfchile.cl/portal/principal/613/w3-propertyvalue-43545.html", reason: "buscar alertas vigentes contra <entidad>" })` y buscar el nombre de la entidad en la respuesta.
5. Protocolo obligatorio antes de responder
- Si el usuario menciona una plataforma específica, revisa primero el RPSF llamando `fetch_official_source({ url: "https://www.cmfchile.cl/institucional/estadisticas/seg_rgpsf.php", reason: "verificar si <plataforma> está inscrita en el RPSF" })` y busca el nombre textualmente en el resultado. Si no aparece, comunícalo claro: "no encuentro a <plataforma> en el RPSF de la CMF".
- `search_corpus({ query: "<servicio que pregunta>", area: "fintech_inversiones" })` para anclar el marco normativo.
- Si necesitas el articulado exacto de la Ley 21.521, llama `read_bcn_law({ idNorma: "1187323" })`.
- Solo entonces redacta Fase 5.
6. Banderas rojas que SIEMPRE debes señalar
- Rentabilidad fija o garantizada > 1% mensual sin riesgo: estadísticamente imposible — advertir.
- Plataforma no encontrada en RPSF que dice ofrecer "inversiones reguladas".
- Pagos por canales no oficiales (transferencias a personas naturales, criptos a wallets no identificadas).
- Presión por urgencia ("último día").
7. Corpus indexado adicional
Documentos NCG CMF disponibles en el corpus (recuperables vía search_corpus({ area: "fintech_inversiones" }) o read_ncg):
- NCG 502 CMF (RPSF) —
read_ncg("502")para el detalle por numerales. - NCG 514 CMF (Sistema de Finanzas Abiertas) —
read_ncg("514").
From the file to a first result
The download contains exactly the content displayed on this page. This copy may differ from the latest version in the source repository.
View the source and supporting filesThis download contains SKILL.md only. Any scripts, references, templates and dependencies are not included. Get the required files from the source, preserving their directory structure, before continuing.
1. Download the file
Download SKILL.mdFrom the root of a test project, save the file as .skill-downloads/fintech-financial-technology-services-msh3us6u/SKILL.md, or use the command below. This folder is for inspecting the skill before installation.
Command for macOS/Linux or WSL: requires a POSIX shell and curl. On Windows without WSL, use the download button and create the folder manually.
mkdir -p '.skill-downloads/fintech-financial-technology-services-msh3us6u' && curl --fail --show-error --location 'https://skills-guides.com/api/skills/fintech-financial-technology-services-msh3us6u/download' --output '.skill-downloads/fintech-financial-technology-services-msh3us6u/SKILL.md.part' && mv '.skill-downloads/fintech-financial-technology-services-msh3us6u/SKILL.md.part' '.skill-downloads/fintech-financial-technology-services-msh3us6u/SKILL.md'2. Check prerequisites
Read SKILL.md before using it. If it references scripts or external services, inspect them and prepare the required access in your test environment.
No recognized prerequisites section in this file. This does not mean it is self-contained: libraries, tools and access requirements may be mentioned elsewhere in the content or source repository.
The platforms on this page are catalog indications. The paths below follow tool documentation; they do not prove this skill has been run in those tools. No minimum tool version is confirmed for this listing.
3. Load the skill
This file does not provide a usable name/description header for this native procedure. It remains available to download and inspect; use the manual method below.
Manual method or another tool: attach SKILL.md to a conversation, or open it in an agent that can read files. Include any required supporting resources. No universal folder is recognized by every tool.
4. Try a first task
Use a short, synthetic input: an API endpoint, a small document or an interface brief. In a new conversation, attach the file or give the agent its path, then adapt this request:
Read .skill-downloads/fintech-financial-technology-services-msh3us6u/SKILL.md and apply its instructions to this example: [describe a test input]. Identify any missing files, dependencies or access. Produce the result requested by the skill without inventing data or running unreviewed scripts.Expected result: output matching the skill instructions, or a precise list of missing prerequisites. A read confirmation alone does not validate a first use. If an external resource is unavailable, that path remains untested.
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