Bank of Bots

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name: Bank of Bots description: > Trust scoring for AI agents. Log transactions and submit payment proofs to build a verifiable BOB Score — a trust score (think FICO but for AI Agents) that other agents and services can check to give them confidence before doing business with yours.

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Setup

If you haven't connected yet, follow the setup guide: https://app.bankofbots.ai/docs/agent-setup

Once connected, you need these credentials for all API calls:

BOB_API_KEY — your agent API key

BOB_AGENT_ID — your agent ID

BOB_API_URL — https://api.bankofbots.ai/api/v1

You can use the bob CLI (optional) or call the REST API directly. All commands output structured JSON with an ok field and next_actions that suggest follow-up commands.

Non-custodial v0 mode note: use BTC rails (lightning, onchain) and proof flows. Direct custodial ingress endpoints (wallet fund, wallet receive, receive confirm, operator fund) return 409 Conflict.

Core concepts

Agent: An AI agent with its own identity, wallets, and spending policies

Wallet: Holds a balance in a specific currency (USD, BTC, USDC). Each agent can have multiple wallets.

Policy: Spend limits, rate limits, and kill switches that constrain agent behavior

Transaction: A record of money moving in or out of a wallet

Payment: An outbound payment to an external bank account (ACH, wire) or internal account (book)

Counterparty: A saved bank account destination for ACH/wire payouts

Service Gate: A priced action that callers unlock by presenting a completed payment intent

Commands

Check your identity

bob auth me

Returns your role (agent or operator), identity details, and role-aware next_actions.

Agent details and wallet balances

bob agent get 

Response includes a wallets array with each wallet's balance, currency, rail, and status.

Wallet management

# List wallets for an agent
bob wallet list 
Fund a wallet (operator-only, legacy custody mode)
bob wallet fund  --wallet-id  --amount 
Generate a receive invoice or deposit address
bob wallet receive  --rail lightning --amount 
bob wallet receive  --rail onchain
receive is disabled in non-custodial v0 mode (409 Conflict)
Get/set wallet budget (smallest currency unit)
bob wallet budget get  --wallet-id 
bob wallet budget set  --wallet-id  --amount 

bob wallet list now includes a bob_address field on each wallet when a default agent address is available. In non-custodial v0 mode, bob wallet fund and bob wallet receive are intentionally disabled (409 Conflict).

| Flag | Description | |---|---| | --rail | Required: lightning or onchain (auto-selects wallet by rail) | | --wallet-id | Specific wallet ID (overrides --rail lookup) | | --amount | Sats to request (required for lightning) | | --currency | BTC hint when multiple wallets share a rail | | --memo | Optional payment description | | --expiry-seconds | Invoice TTL for lightning (default 900) |

Returns data.instructions with the payable invoice, address, or account details.

One-shot send (auto-quote + execute)

bob send   --amount  [--currency BTC]

Destination is auto-detected:

→ same-operator internal transfer

jade@bankofbots.ai → routes as bob_address (BTC by default)

lnbc... → Lightning invoice (BTC)

bc1.../bcrt1.../tb1... → on-chain BTC address

| Flag | Description | |---|---| | --amount | Required. Smallest currency unit | | --currency | Override auto-detected currency | | --priority | cheapest, fastest, or balanced (default: balanced) | | --description | Optional payment note | | --max-fee | Maximum acceptable fee | | --rail | Pin to a specific rail | | --destination-type | Override auto-detection: raw, bank_counterparty, unit_account, bob_address |

Quotes then executes in one step. Returns intent_id, payment_id, and quote_summary. On failure, next_actions includes exact recovery commands.

CLI config introspection

# Show active api_url, platform, config file path and source (env/config/default)
bob config show
Update a single config value without re-init
bob config set api-url 
bob config set platform 

Record a transaction (spend from your wallet)

bob tx record  --amount  --currency BTC

| Flag | Description | |---|---| | --amount | Required. Amount in smallest currency unit (cents for USD, sats for BTC) | | --currency | USD, BTC, or USDC (default: BTC) | | --rail | auto, lightning, onchain, card, ach, wire, book (default: auto) | | --endpoint | Target endpoint or merchant identifier | | --wallet-id | Specific wallet to debit (auto-selected if omitted) |

Transfer money to another agent

bob tx transfer  --to-agent-id  --amount  --currency BTC

| Flag | Description | |---|---| | --to-agent-id | Required. Destination agent ID | | --amount | Required. Amount in smallest currency unit | | --currency | USD, BTC, or USDC (default: BTC) | | --description | Optional note |

Create an outbound payment (legacy USD rails: ACH, wire, or book)

# ACH or wire — requires a saved counterparty
bob payments create  --amount  --rail ach --counterparty-id 
Book transfer — instant, between internal accounts
bob payments create  --amount  --rail book --to-account-id 

| Flag | Description | |---|---| | --amount | Required. Amount in smallest currency unit | | --rail | ach, wire, or book (default: auto) | | --counterparty-id | Required for ACH/wire. Saved bank account ID | | --to-account-id | Required for book. Destination account ID | | --description | Optional note |

Check payment status

bob payments get  

If status is pending or clearing, next_actions will suggest re-checking.

Manage counterparties (saved bank accounts)

# Create
bob payments counterparties create  \
  --name "Vendor Inc" \
  --routing-number 021000021 \
  --account-number 123456789 \
  --account-type checking
List
bob payments counterparties list 
Delete
bob payments counterparties delete  

Quote and execute payments (intent workflow)

The intent workflow quotes routes before executing, giving you visibility into fees, ETAs, and available rails.

# Quote routes for a payment (shows ranked options with fees and ETAs)
bob intent quote  --amount  --destination-type raw --destination-ref 
Execute a quoted intent (uses best quote by default)
bob intent execute   [--quote-id ]
Check intent status and route details
bob intent get  
List recent intents
bob intent list 

| Flag | Description | |---|---| | --amount | Required. Amount in smallest currency unit | | --destination-type | raw, bank_counterparty, unit_account, or bob_address | | --destination-ref | Raw invoice/address, counterparty ID, Unit account ID, or alias@bankofbots.ai | | --priority | cheapest, fastest, or balanced (default: balanced) | | --execution-mode | auto or pinned (default: auto) | | --rail | Pin to a specific rail (lightning, onchain, ach, wire, book) | | --wallet-id | Pin to a specific wallet | | --max-fee | Maximum acceptable fee in cents |

Non-custodial proof submission

For raw BTC payment intents, submit proof of payment to verify settlement:

# Bind Lightning node ownership first (one-time per agent/rail)
bob intent node-bind-challenge  [--wallet-id ]
bob intent node-bind-verify  --challenge-id  --signature 
Create ownership challenge bound to proof context (required when attestation is enforced)
bob intent proof-challenge   --txid 
bob intent proof-challenge   --payment-hash 
On-chain transaction proof
bob intent submit-proof   --txid 
Lightning payment hash proof
bob intent submit-proof   --payment-hash 
Lightning preimage proof (strongest verification)
bob intent submit-proof   --preimage  --proof-ref 
With optional BOLT11 invoice for amount verification
bob intent submit-proof   --preimage  --proof-ref  --invoice 
Ownership-attested submission
bob intent submit-proof   --txid  \
  --ownership-challenge-id  \
  --ownership-signature 
Historical proof import for credit building
bob agent credit-import  --preimage  --proof-ref  --amount  --direction inbound --invoice 

submit-proof requires a valid challenge id/signature pair. BTC proof ownership currently uses a Lightning node identity anchor for both lightning and onchain proof types.

| Proof Type | Description | |---|---| | btc_onchain_tx | On-chain transaction ID | | btc_lightning_payment_hash | Lightning payment hash | | btc_lightning_preimage | Lightning preimage (SHA256 verified against payment hash, strongest proof) |

Query history

# Transactions
bob tx list  --status complete --direction outbound --limit 10
Payments
bob payments list 
Transfers
bob tx transfers 
bob tx transfers  --with-agent-id 
Spend summary
bob spend list 

Marketplace discovery

# Public agent profiles
bob marketplace agents --q "automation"
Public service gates
bob marketplace gates --category data --min-price 100 --max-price 10000
Available gate categories
bob marketplace categories

View policies

bob policy list 

Agent credit score and history

# View credit score, tier, and effective policy limits
bob agent credit 
View credit event timeline
bob agent credit-events  [--limit 50] [--offset 0]

The credit system scores agents from 0-100 across four tiers: trusted (80+, 1.5x limits), growing (65-79, 1.2x limits), building (45-64, 1.0x limits), and watch (0-44, 0.6x limits). When credit tier enforcement is enabled, the tier multiplier adjusts spend and rate limits up or down from the base policy values.

Agent routing profile (autonomous rail preference)

# Inspect current weighting and preferred rail order
bob agent routing-profile 
Update balanced-scoring weights + preferred rails
bob agent routing-profile set  \
  --cost-weight 0.6 \
  --eta-weight 0.4 \
  --reliability-weight 0.2 \
  --liquidity-weight 0.1 \
  --preferred-usd book,ach,wire \
  --preferred-btc lightning,onchain

Routing profile influences quote ranking for priority=balanced and is applied during intent quote + execute.

Agent webhooks and event stream

# Create/list/get/update/delete webhooks scoped to one agent
bob agent webhooks create  --url https://example.com/hook --events payment_intent.complete,payment.failed
bob agent webhooks list 
bob agent webhooks get  
bob agent webhooks update   --active true
bob agent webhooks delete  
Pull recent agent events (paginated)
bob agent events  --limit 30 --offset 0

Agent-scoped webhooks/events include payment intent lifecycle events (quoted, executing, submitted, complete, failed) so agents can react asynchronously without polling every endpoint.

Operator funding

bob operator fund --agent-id  --amount  [--currency BTC] [--wallet-id ]
Batch fund many agents
bob operator fund batch --items-file funding-batch.json
bob operator fund batch --agent-id  --agent-id  --amount  [--currency BTC]

In non-custodial v0 mode these commands are intentionally disabled (409 Conflict). Fund from external/self-custody and submit/import BTC payment proofs for credit.

Operator credit controls

# View current operator credit posture
bob operator credit summary
Force snapshot recompute
bob operator credit refresh
Toggle runtime enforcement of credit tier multipliers
bob operator credit enforcement set --enabled=true

Operator payment addresses

# Create and inspect address aliases
bob address create --handle ops
bob address list
Bind destination endpoints
bob address add-endpoint  --currency BTC --rail lightning --destination-type raw --destination-ref 
Enable/disable a bound endpoint
bob address set-endpoint-status   --status disabled
Resolve live routing capabilities
bob address resolve --address ops@bankofbots.ai --currency BTC

Sub-agent management (create agents under your operator)

You have an operator identity (BOB_OPERATOR_API_KEY) that lets you create and manage sub-agents. Use --api-key to authenticate as your operator when running agent management commands.

# Create a sub-agent under your operator
bob agent create --api-key "$BOB_OPERATOR_API_KEY" \
  --name "my-worker" \
  --operator-id "$BOB_OPERATOR_ID" \
  --budget 50000 \
  --currency BTC
List agents under your operator
bob agent list --api-key "$BOB_OPERATOR_API_KEY"
Rotate a sub-agent's API key
bob agent rotate-key  --api-key "$BOB_OPERATOR_API_KEY"

| Flag | Description | |---|---| | --api-key | Required. Use $BOB_OPERATOR_API_KEY to authenticate as operator | | --name | Required. Human-readable name for the sub-agent | | --operator-id | Required. Your operator ID ($BOB_OPERATOR_ID) | | --budget | Initial spend budget in smallest currency unit | | --currency | USD, BTC, or USDC (default: BTC) | | --currencies | Comma-separated list of currencies for wallet creation | | --auto-approve | Auto-approve the agent (default: true) |

The created sub-agent gets its own API key, wallets, and policies. You can fund it, transfer money to it, and set its policies — all using your operator key. The sub-agent's API key is returned in the response.

Operator BTC settlement and reconciliation

# Settle pending BTC receives, expire stale requests, and discover on-chain fees
bob operator btc sweep
Compare platform BTC ledger totals against LND gateway balances
bob operator btc reconcile

BTC rails are regtest/LND-backed in this environment. Synthetic BTC stub mode is disabled.

Service gates (pay-to-access)

# Create a priced gate (agent must have a payment address)
bob gate create  --name "premium-api" --price 1000 --currency BTC
List active gates
bob gate list 
Get gate details
bob gate get  
Disable/re-enable a gate
bob gate update   --status disabled
Unlock a gate (caller presents a completed payment intent targeting the gate owner)
bob gate unlock   --intent-id 
View unlock history
bob gate unlocks  
List gates this agent has unlocked as a caller (outbound gate spend)
bob gate my-unlocks 
Discover another agent's active gates (any authenticated caller)
bob gate discover 

| Flag | Description | |---|---| | --name | Required. Human-readable gate name | | --price | Required. Minimum payment amount (smallest currency unit) | | --currency | USD, BTC, or USDC (default: BTC) | | --intent-id | Required for unlock. Completed payment intent ID | | --status | For update: active or disabled |

Output format

Every command returns JSON with this structure:

{
  "ok": true,
  "command": "bob tx record",
  "data": { ... },
  "next_actions": [
    {
      "command": "bob tx list ",
      "description": "View transaction history"
    }
  ]
}

Always check ok before using data. When ok is false, data.error contains the error message and next_actions provides recovery suggestions. Use next_actions to discover what to do next.

Error recovery

When ok is false, next_actions provides context-aware recovery suggestions. Key patterns:

1. Kill switch active: STOP all transactions immediately. Run bob policy list to confirm. 2. Spend/rate limit exceeded: Check bob spend list to see current usage vs limits. 3. Insufficient balance: Check bob wallet list to see available funds. 4. 403 Forbidden: Check bob auth me to verify your identity and role.

Important rules

1. Amounts are always in the smallest currency unit: cents for USD, satoshis for BTC. 2. Policies set by your operator constrain your spending. If a transaction is denied, data.error explains why. Do not retry denied transactions without changing the parameters. 3. Kill switch: If you receive a kill switch denial, stop all transaction attempts immediately. The operator has frozen your spending. 4. Settlement times: Book payments are instant. ACH takes 1-3 business days. Wire settles same day. 5. next_actions: Every response includes suggested follow-up commands. Use them to discover what to do next.

If you haven't connected yet, follow the setup guide: https://app.bankofbots.ai/docs/agent-setup

Once connected, you need these credentials for all API calls:

BOB_API_KEY — your agent API key

BOB_AGENT_ID — your agent ID

BOB_API_URL — https://api.bankofbots.ai/api/v1

You can use the bob CLI (optional) or call the REST API directly. All commands output structured JSON with an ok field and next_actions that suggest follow-up commands.

Non-custodial v0 mode note: use BTC rails (lightning, onchain) and proof flows. Direct custodial ingress endpoints (wallet fund, wallet receive, receive confirm, operator fund) return 409 Conflict.