Interactive Explainer
Steering, Skills, Hooks, Agents & MCP โ when to use each layer and how they work together
Building an AI-powered workflow isn't one thing โ it's layers. Each layer solves a different problem. You can use one layer alone, or combine all five for a fully autonomous agent.
Global rules that apply to every AI interaction. Like a company policy document.
On-demand expertise that activates when needed. Like a specialist you call in.
Auto-triggers that fire on events. Like a motion sensor that turns on the lights.
Autonomous colleagues you delegate to. Like assigning a task to a team member.
Click a layer to see details, file location, when to use it, and a real example.
Steering files are always-on instructions loaded into every conversation. They're like a company policy that every AI interaction must follow โ regardless of what task is being performed.
--- inclusion: always --- # AnyCompany Insurance Rules 1. All amounts in SGD unless specified 2. Never include PII (NRIC, policy numbers) โ use [REDACTED] 3. Decision ratings: APPROVE/FLAG/REJECT only 4. Cite policy terms for every decision
This is one of the most common questions. Skills and MCP both make AI more capable โ but they do completely different things. Here's the clearest way to think about it:
Skills tell the AI how to think and what to produce. They're prompt templates with personas, output formats, guardrails, and decision rules.
MCP gives the AI access to external data and systems. It connects to databases, APIs, and files so the AI can query real data instead of relying on what you paste in.
Watch how Skills and MCP play different roles in the same workflow:
| Step | What happens | Powered by | Why |
|---|---|---|---|
| 1. Get data | Query claims database for claim details, policyholder history, provider records | ๐ MCP | AI needs access to live data it can't see otherwise |
| 2. Analyze | Apply the claims investigation template with APPROVE/FLAG/REJECT ratings | ๐ง Skill | AI needs instructions on what format and rules to follow |
| 3. Cross-check | Query policy table for coverage limits, exclusions, and pre-existing conditions | ๐ MCP | AI needs more data from a different table |
| 4. Decide | Apply decision rules: within coverage = APPROVE, exceeds limits = FLAG, suspected fraud = REJECT | ๐ง Skill | AI needs business rules to make the right call |
| 5. Report | Generate the structured investigation report with citations | ๐ง Skill | AI needs the output template to format correctly |
| If you need the AI to... | Use | Example |
|---|---|---|
| Follow a specific output format | ๐ง Skill | Claims investigation report with APPROVE/FLAG/REJECT |
| Query a database | ๐ MCP | Pull policyholder claims history |
| Use a specific persona | ๐ง Skill | "You are a Senior Claims Investigator..." |
| Read files from a folder | ๐ MCP | Scan claims-documents/ directory for medical reports |
| Apply business rules and guardrails | ๐ง Skill | Exceeds coverage = FLAG, suspected fraud = REJECT |
| Send a Slack message or call an API | ๐ MCP | Post alert to #claims-fraud channel |
| Generate a structured report | ๐ง Skill | Claims adjudication report with coverage analysis |
| Access live data it can't see | ๐ MCP | Check policy coverage status in real-time |
Answer the questions below to find the right layer for your use case.
See how the layers combine for common AnyCompany Insurance workflows. Click a scenario to see the breakdown.
| Aspect | Steering | Skills | Hooks | Agents | MCP |
|---|---|---|---|---|---|
| Scope | Global โ all tasks | On-demand โ specific tasks | Event-driven โ automatic | Delegated โ independent | Data layer โ connections |
| Activation | Always loaded | Auto-activates by keyword | Fires on IDE events | Invoked by name | Available when configured |
| File location | .kiro/steering/ | .kiro/skills/*/ | .kiro/hooks/ | .kiro/agents/ | .kiro/settings/mcp.json |
| Token cost | Every message | Only when active | Zero (triggers only) | Own context window | Per tool call |
| Analogy | Company policy | Specialist consultant | Motion sensor | Team member | Database connection |
| Best for | Standards, constraints | Structured outputs | Automation triggers | Review, validation | Data access |
| AnyCompany example | "All amounts in SGD" | Claims investigation template | "Run investigation on flagged claim" | Claims reviewer agent | Claims database |
Here's how all 5 layers work together in a complete autonomous workflow: