Bank of Bots

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.

bankofbotsandy@bankofbotsandy

Install

openclaw skills install @bankofbotsandy/bank-of-bots

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

bash

bob auth me

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

Agent details and wallet balances

bash

bob agent get <agent-id>

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

Wallet management

bash

# List wallets for an agent
bob wallet list <agent-id>

# Fund a wallet (operator-only, legacy custody mode)
bob wallet fund <agent-id> --wallet-id <id> --amount <cents>

# Generate a receive invoice or deposit address
bob wallet receive <agent-id> --rail lightning --amount <sats>
bob wallet receive <agent-id> --rail onchain
# receive is disabled in non-custodial v0 mode (409 Conflict)

# Get/set wallet budget (smallest currency unit)
bob wallet budget get <agent-id> --wallet-id <id>
bob wallet budget set <agent-id> --wallet-id <id> --amount <cents>

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)

bash

bob send <agent-id> <destination> --amount <n> [--currency BTC]

Destination is auto-detected:

<agent-uuid> → 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

bash

# 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 <url>
bob config set platform <generic|openclaw|claude>

Record a transaction (spend from your wallet)

bash

bob tx record <agent-id> --amount <cents> --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

bash

bob tx transfer <from-agent-id> --to-agent-id <to-agent-id> --amount <cents> --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)

bash

# ACH or wire — requires a saved counterparty
bob payments create <agent-id> --amount <cents> --rail ach --counterparty-id <id>

# Book transfer — instant, between internal accounts
bob payments create <agent-id> --amount <cents> --rail book --to-account-id <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

bash

bob payments get <agent-id> <payment-id>

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

Manage counterparties (saved bank accounts)

bash

# Create
bob payments counterparties create <agent-id> \
  --name "Vendor Inc" \
  --routing-number 021000021 \
  --account-number 123456789 \
  --account-type checking

# List
bob payments counterparties list <agent-id>

# Delete
bob payments counterparties delete <agent-id> <counterparty-id>

Quote and execute payments (intent workflow)

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

bash

# Quote routes for a payment (shows ranked options with fees and ETAs)
bob intent quote <agent-id> --amount <sats> --destination-type raw --destination-ref <lnbc...|bc1...>

# Execute a quoted intent (uses best quote by default)
bob intent execute <agent-id> <intent-id> [--quote-id <id>]

# Check intent status and route details
bob intent get <agent-id> <intent-id>

# List recent intents
bob intent list <agent-id>

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:

bash

# Bind Lightning node ownership first (one-time per agent/rail)
bob intent node-bind-challenge <agent-id> [--wallet-id <wallet-id>]
bob intent node-bind-verify <agent-id> --challenge-id <challenge-id> --signature <signature>

# Create ownership challenge bound to proof context (required when attestation is enforced)
bob intent proof-challenge <agent-id> <intent-id> --txid <txid>
bob intent proof-challenge <agent-id> <intent-id> --payment-hash <hash>

# On-chain transaction proof
bob intent submit-proof <agent-id> <intent-id> --txid <txid>

# Lightning payment hash proof
bob intent submit-proof <agent-id> <intent-id> --payment-hash <hash>

# Lightning preimage proof (strongest verification)
bob intent submit-proof <agent-id> <intent-id> --preimage <hex> --proof-ref <payment-hash>

# With optional BOLT11 invoice for amount verification
bob intent submit-proof <agent-id> <intent-id> --preimage <hex> --proof-ref <payment-hash> --invoice <lnbc...>

# Ownership-attested submission
bob intent submit-proof <agent-id> <intent-id> --txid <txid> \
  --ownership-challenge-id <challenge-id> \
  --ownership-signature <signature>

# Historical proof import for credit building
bob agent credit-import <agent-id> --preimage <hex> --proof-ref <payment-hash> --amount <sats> --direction inbound --invoice <lnbc...>

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

bash

# Transactions
bob tx list <agent-id> --status complete --direction outbound --limit 10

# Payments
bob payments list <agent-id>

# Transfers
bob tx transfers <agent-id>
bob tx transfers <agent-id> --with-agent-id <peer-agent-id>

# Spend summary
bob spend list <agent-id>

Marketplace discovery

bash

# 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

bash

bob policy list <agent-id>

Agent credit score and history

bash

# View credit score, tier, and effective policy limits
bob agent credit <agent-id>

# View credit event timeline
bob agent credit-events <agent-id> [--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)

bash

# Inspect current weighting and preferred rail order
bob agent routing-profile <agent-id>

# Update balanced-scoring weights + preferred rails
bob agent routing-profile set <agent-id> \
  --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

bash

# Create/list/get/update/delete webhooks scoped to one agent
bob agent webhooks create <agent-id> --url https://example.com/hook --events payment_intent.complete,payment.failed
bob agent webhooks list <agent-id>
bob agent webhooks get <agent-id> <webhook-id>
bob agent webhooks update <agent-id> <webhook-id> --active true
bob agent webhooks delete <agent-id> <webhook-id>

# Pull recent agent events (paginated)
bob agent events <agent-id> --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

bash

bob operator fund --agent-id <id> --amount <cents> [--currency BTC] [--wallet-id <id>]

# Batch fund many agents
bob operator fund batch --items-file funding-batch.json
bob operator fund batch --agent-id <id1> --agent-id <id2> --amount <cents> [--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

bash

# 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

bash

# Create and inspect address aliases
bob address create --handle ops
bob address list

# Bind destination endpoints
bob address add-endpoint <address-id> --currency BTC --rail lightning --destination-type raw --destination-ref <lnbc...>

# Enable/disable a bound endpoint
bob address set-endpoint-status <address-id> <endpoint-id> --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.

bash

# 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 <sub-agent-id> --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

bash

# 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)

bash

# Create a priced gate (agent must have a payment address)
bob gate create <agent-id> --name "premium-api" --price 1000 --currency BTC

# List active gates
bob gate list <agent-id>

# Get gate details
bob gate get <agent-id> <gate-id>

# Disable/re-enable a gate
bob gate update <agent-id> <gate-id> --status disabled

# Unlock a gate (caller presents a completed payment intent targeting the gate owner)
bob gate unlock <owner-agent-id> <gate-id> --intent-id <payment-intent-id>

# View unlock history
bob gate unlocks <agent-id> <gate-id>

# List gates this agent has unlocked as a caller (outbound gate spend)
bob gate my-unlocks <agent-id>

# Discover another agent's active gates (any authenticated caller)
bob gate discover <agent-id>

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:

json

{
  "ok": true,
  "command": "bob tx record",
  "data": { ... },
  "next_actions": [
    {
      "command": "bob tx list <agent-id>",
      "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:

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

Important rules

Amounts are always in the smallest currency unit: cents for USD, satoshis for BTC.
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.
Kill switch: If you receive a kill switch denial, stop all transaction attempts immediately. The operator has frozen your spending.
Settlement times: Book payments are instant. ACH takes 1-3 business days. Wire settles same day.
next_actions: Every response includes suggested follow-up commands. Use them to discover what to do next.

Bank of Bots

Install

Setup

Core concepts

Commands

Check your identity

Agent details and wallet balances

Wallet management

One-shot send (auto-quote + execute)

CLI config introspection

Record a transaction (spend from your wallet)

Transfer money to another agent

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

Check payment status

Manage counterparties (saved bank accounts)

Quote and execute payments (intent workflow)

Non-custodial proof submission

Query history

Marketplace discovery

View policies

Agent credit score and history

Agent routing profile (autonomous rail preference)

Agent webhooks and event stream

Operator funding

Operator credit controls

Operator payment addresses

Sub-agent management (create agents under your operator)

Operator BTC settlement and reconciliation

Service gates (pay-to-access)

Output format

Error recovery

Important rules

Related skills