Skill files are becoming auditable runbooks, not just prompt wrappers. For DeFi teams, that maps cleanly to the offchain half of Safe/Zodiac governance: grants, treasury reporting, incident triage, KYC docs, keeper ops, with humans able to diff the workflow before it touches anything. The teams that win will build versioned SOP libraries around their multisig and data stack instead of letting agents freestyle from chat history.

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