Qonto Carbon Ledger

Your bank statement is secretly a carbon ledger — this skill reads it. Small businesses never do a carbon assessment because they have no data; but bank debits ARE data. Qonto access is read-only: the skill estimates and explains, saves a local HTML dashboard only on explicit user request, and never sells offsets.

Prerequisites

1. get_organization → accounts, country, legal identity. Nothing hardcoded: every figure comes from the user's own transactions.
2. Country-aware: embedded monetary factors are calibrated for France / EU spending. For other Qonto countries the method is identical but factors should be adapted (electricity mix, price levels) — say so plainly, still produce the estimate, and tag it accordingly.
3. Empty or very short history (< 6 months) → say what can and can't be estimated; annualize with an explicit warning, never silently extrapolate.

Workflow

1. Read the ledger (24–36 months)

list_transactions per account (requires bank_account_id/iban from get_organization), paginate per_page: "50" in 3-month windows, side: debit. Cover 24–36 months when history allows: the annual trend and seasonal purchases (heating, year-end equipment) only show across full years. Also pull list_labels (user's own tags help classification) and list_supplier_invoices (supplier names + amounts refine category mapping).

2. Scope — what counts, what doesn't

The spend-based method covers purchased goods, services and energy (a scope-3-upstream-style view). Exclude and SAY you exclude: internal transfers between sub-accounts, salaries and payroll charges, taxes (DGFIP/URSSAF), VAT payments, loan principal repayments, dividend distributions — financial flows carry no monetary emission factor. Show the excluded total so the user sees the estimate's basis.