gate-exchange-collateralloan

What this skill does

### Resolving `gate-cli` (binary path)

Resolve **`gate-cli`** in order: **(1)** **`command -v gate-cli`** and **`gate-cli --version`** succeeds; **(2)** **`${HOME}/.local/bin/gate-cli`** if executable; **(3)** **`${HOME}/.openclaw/skills/bin/gate-cli`** if executable. Canonical rules: [`exchange-runtime-rules.md`](https://github.com/gate/gate-skills/blob/master/skills/exchange-runtime-rules.md) §4 (or [`gate-runtime-rules.md`](https://github.com/gate/gate-skills/blob/master/skills/gate-runtime-rules.md) §4).


# Gate Exchange Multi-Collateral Loan Skill

## General Rules

⚠️ STOP — You MUST read and strictly follow the shared runtime rules before proceeding.
Do NOT select or call any tool until all rules are read. These rules have the highest priority.
→ Read [gate-runtime-rules.md](https://github.com/gate/gate-skills/blob/master/skills/gate-runtime-rules.md)
- **Only use the `gate-cli` commands explicitly listed in this skill.** Commands not documented here must NOT be run for these workflows, even if other interfaces expose them.

## Skill Dependencies


### gate-cli commands used

**Query Operations (Read-only)**

- `gate-cli cex mcl current-rate`
- `gate-cli cex mcl fix-rate`
- `gate-cli cex mcl ltv`
- `gate-cli cex mcl order`
- `gate-cli cex mcl orders`
- `gate-cli cex mcl records`
- `gate-cli cex mcl repay-records`
- `gate-cli cex mcl quota`
- `gate-cli cex mcl collateral`

**Execution Operations (Write)**

- `gate-cli cex mcl create`
- `gate-cli cex mcl repay`

### Authentication
- **Interactive file setup:** when **`GATE_API_KEY`** and **`GATE_API_SECRET`** are **not** both set on the host, run **`gate-cli config init`** to complete the wizard for API key, secret, profiles, and defaults (see [gate-cli](https://github.com/gate/gate-cli)).
- **Env / flags:** **`gate-cli config init`** is **not** required when credentials are already supplied — e.g. **both** **`GATE_API_KEY`** and **`GATE_API_SECRET`** set on the host, or **`--api-key`** / **`--api-secret`** where supported — never ask the user to paste secrets into chat.
- **Permissions:** Mcl:Write
- **Portal:** create or rotate keys outside the chat: https://www.gate.com/myaccount/profile/api-key/manage

### Installation Check
- **Required:** `gate-cli` (run `sh ./setup.sh` from this skill directory if missing; optional `GATE_CLI_SETUP_MODE=release`).
- Add `$HOME/.openclaw/skills/bin` to **`PATH`** if you invoke `gate-cli` by name (or the directory where [`setup.sh`](./setup.sh) installs it).
- **Credentials:** When **`GATE_API_KEY`** and **`GATE_API_SECRET`** are both set (non-empty) for the host, **do not** require **`gate-cli config init`** — that is equivalent valid config for `gate-cli`. When **both** are unset or empty, **remind** the operator to run **`gate-cli config init`** **or** to configure **`GATE_API_KEY`** / **`GATE_API_SECRET`** in the **matching skill** from the skill library (never ask the user to paste secrets into chat).
- **Sanity check:** Do not proceed with authenticated calls until the CLI behaves as expected (e.g. **`gate-cli --version`** or a read-only **`gate-cli cex ...`** command from this skill); confirm credentials resolve before mutating operations.

## Execution mode

**Read and strictly follow** [`references/gate-cli.md`](./references/gate-cli.md), then execute this skill's collateral-loan workflow.

- `SKILL.md` keeps routing and product constraints.
- `references/gate-cli.md` is the authoritative `gate-cli` execution contract for quota/LTV pre-checks, confirmation gates, and post-action verification.

## Trigger Conditions

This skill activates when the user asks about multi-collateral loan operations. Classify intent via **Routing Rules** (Cases 1–7). Trigger phrases include: "collateral loan", "current loan", "fixed loan", "repay", "add collateral", "redeem collateral", or equivalent in other languages.

## Workflow

### Step 1: Classify intent

Identify the user intent using Routing Rules (Cases 1–7). If required inputs are missing (order_id, currency, amount, fixed term), ask clarifying questions before proceeding.

### Step 2: Read-only requests (rates, LTV, quota, orders)

Call the corresponding MCP tool when the user asks for rates, LTV, quota, order list, or order detail.

Call `gate-cli cex mcl quota` with:
- `type`: `collateral` or `borrow`
- `currency`: comma-separated (borrow: single currency)

Call `gate-cli cex mcl ltv` with:
- (no params)

Call `gate-cli cex mcl fix-rate` with:
- (no params)

Call `gate-cli cex mcl current-rate` with:
- `currencies`: comma-separated currency list

Call `gate-cli cex mcl orders` with:
- `page`, `limit` (optional)
- `sort` (optional): `time_desc`, `ltv_asc`, `ltv_desc`
- `order_type` (optional): `current` or `fixed`

Call `gate-cli cex mcl order` with:
- `order_id`

Key data to extract:
- LTV thresholds, fixed/current rates, quota rows, order_id, order status, collateral and borrow details

### Step 3: Create loan (current or fixed)

If current loan:
1) Build draft (collateral list + borrow currency/amount).
2) Ask for confirmation.
3) Call `gate-cli cex mcl create` with **`order`**: JSON string (borrow_currency, borrow_amount, collateral_currencies, order_type: current).
If fixed loan:
1) Call `gate-cli cex mcl fix-rate` (returns a **list**); **filter by borrow_currency**; take `rate_7d` or `rate_30d` as **fixed_rate** (hourly rate; pass through unchanged, do not convert or relabel as annual/daily).
2) Build draft with fixed_type and fixed_rate (describe to user as hourly rate if showing).
3) Ask for confirmation.
4) Call `gate-cli cex mcl create` with **`order`**: JSON including order_type: fixed, fixed_type `7d`/`30d`, fixed_rate.

### Step 4: Repay

Build draft, ask confirmation, then call `gate-cli cex mcl repay` with:
- **`repay_loan`**: JSON string with `order_id` and `repay_items` [{ currency, amount, repaid_all }]

### Step 5: Add or redeem collateral

Build draft, ask confirmation, then call `gate-cli cex mcl collateral` with:
- **`collateral_adjust`**: JSON string with `order_id`, `type` (`append` | `redeem`), `collaterals` [{ currency, amount }]

## Judgment Logic Summary

- Determine case by keywords and required inputs (loan create / repay / add / redeem / list).
- Fixed loan requires fix_rate lookup; if not available, stop and inform user.
- All write operations must be confirmed before calling MCP.
- Auth failure (401/403) prompts API key configuration.

## Report Template

**When asking for confirmation**:
Draft:
- Type: {current|fixed|repay|append|redeem}
- Order ID: {order_id if applicable}
- Borrow: {borrow_amount} {borrow_currency}
- Collateral: {collateral_amounts}
- Fixed term/rate: {fixed_type} / {fixed_rate} (hourly rate)

Please confirm to proceed.

**On success**:
- Summary of action and key identifiers (order_id, amounts).
**On failure**:
- Error message and next-step guidance (e.g., check currency/amount/LTV).
## Prerequisites

- **MCP Dependency**: Requires [gate-mcp](https://github.com/gate/gate-mcp) to be installed.
- **Authentication**: Order list, detail, repay, collateral, quota, and records require API key; LTV, fix rate, and current rate are public without key.
- **Disclaimer**: Loan and LTV information is for reference only and does not constitute investment advice. Understand product terms and liquidation risk before borrowing.

## Available MCP Tools

| Tool | Auth | Description | Reference |
|------|------|-------------|-----------|
| `gate-cli cex mcl fix-rate` | No | 7d/30d fixed rates (list) | `references/mcl-mcp-tools.md` |
| `gate-cli cex mcl ltv` | No | LTV thresholds | `references/mcl-mcp-tools.md` |
| `gate-cli cex mcl current-rate` | No | Current rates | `references/mcl-mcp-tools.md` |
| `gate-cli cex mcl quota` | Yes | Borrow/collateral quota | `references/mcl-mcp-tools.md` |
| `gate-cli cex mcl create` | Yes | Create loan (`order` JSON) | `references/mcl-mcp-tools.md` |
| `gate-cli cex mcl orders` | Yes | List orders | `references/mcl-mcp-tools.md` |
| `g