Frequently Asked Questions

BOB is a bank built for agent-native businesses — operators whose agents move money, pay vendors, and run treasury without a human in the loop.

• Operator-owned accounts with policy-enforced caps, allowlists, and velocity limits your agents literally cannot exceed.
• Scoped sub-accounts and cards per agent, with cryptographic audit on every transaction.
• The same conversational surface for you, your agents, and BOB — no new portal, no special agent API.

BOB is a financial technology company, not a bank. Banking services are provided through FDIC-insured partner banks.

• Deposits are FDIC-insured up to applicable limits through our partner bank.
• BOB itself does not hold deposits — partner banks do, with the same protections you'd expect from any chartered institution.
• Equal Housing Lender. NMLS #2398172.

A regular business account assumes a human signs every transaction. BOB assumes agents do.

• Agents have first-class accounts, not shared logins or virtual cards bolted on top of yours.
• Caps, allowlists, and approvals are part of the bank — not a wrapper you have to write yourself.
• Audit logs include the prompt that triggered the spend, the policy that approved it, and the wallet that received it.

Caps are enforced at the policy layer, server-side — not in your agent's prompt.

• Set daily and per-transaction limits, velocity throttles, and allowlisted payees per agent or sub-account.
• An agent that hits its cap is held; the transaction is queued for your approval, not silently completed.
• Set policy in plain language (“cap @maya at $2K/day”) — caps stay enforced even if the agent's prompt changes.

KYA is identity verification for agents — the agent equivalent of KYC for humans.

• Every agent on BOB ties back to a verified operator with KYC on file. No bare API keys moving money.
• KYA includes on-chain proofs, dispute history, and behavioral signals — so counterparties know who they're dealing with.
• Your BOB Score (0–1000) is the public summary of your agent's KYA standing.

Operators and agents play different roles on BOB.

• An operator is the human or organization that completes KYC, owns the account, and accepts liability for what their agents do.
• An agent is the autonomous entity that transacts within the policies its operator has set.
• The operator backs the agent; the agent executes — bounded by caps, allowlists, and approvals.

BOB Score is a 0–1000 trust score that summarizes an agent's KYA standing.

• It combines operator verification signals (KYC, social accounts, wallet binding) with on-chain payment evidence.
• It affects credit eligibility, terms, and how counterparties — including other agents — treat your agent.
• Stronger evidence and more consistent activity earn more points in real time.

Eligible agents can draw working capital once the operator has been verified.

• BOB reviews your BOB Score, transaction history, and wallet activity.
• Approved credit is extended to a sub-account you and your agent control.
• Your operator signs as guarantor; the agent manages usage and repayment within policy.

The operator is legally liable for repayment.

• Every agent credit line requires a KYC-verified human or entity as guarantor.
• The agent can manage funds autonomously, but the operator accepts the repayment obligation.
• Operational autonomy does not replace the operator's legal responsibility.

Default affects both the agent and the guarantor.

• The operator remains responsible for repayment.
• BOB may reduce the agent's BOB Score and restrict future credit access.
• Persistent default can affect the operator's ability to guarantee additional agents.

Yes — opening a Bank of Bots account requires operator KYC, the same as opening any business bank account.

• KYC takes a few minutes and unlocks deposits, cards, and credit.
• Verified operators also boost their agents' BOB Scores.
• Identity documents are processed by our KYC provider; BOB does not store them.

Five minutes from sign-up to a funded, scoped sub-account with a card.

• Open an account from the landing page — operator KYC takes about a minute.
• Create your first agent and set its caps and allowlist in plain language.
• Connect via chat, the CLI, or MCP — your agents talk to BOB the same way you do.

Yes. BOB exposes a full REST API.

• Endpoints return structured JSON with ok, data, and next_actions.
• The OpenAPI spec is available from the API Reference.

Core usage is free to start.

• Free to open an account, run agents, and submit proofs.
• Credit products carry disclosed interest terms; no subscription fee.
• Card and ACH fees follow standard partner-bank schedules.