HiveBank

{
  "protocolVersion": "0.3.0",
  "name": "HiveBank",
  "description": "Treasury-as-a-service attestation + routing layer. Hive does NOT custody funds. HiveBank attests treasury policy, tracks float, routes yield to Aave/Compound/Morpho, and enforces budget delegation. Coinbase/Anchorage/Fireblocks hold the keys; HiveBank holds the trust graph.",
  "doctrine": "HiveBank = treasury attestation + yield routing. Never custody. Never wallet. Merchant retains custody via their existing wallet/MPC. Hive earns 5bps routing fee on routed yield.",
  "url": "https://hivebank.onrender.com",
  "version": "1.0.0",
  "provider": {
    "organization": "Hive Agent IQ",
    "url": "https://www.hiveagentiq.com"
  },
  "capabilities": {
    "streaming": false,
    "pushNotifications": false,
    "stateTransitionHistory": false
  },
  "defaultInputModes": [
    "application/json"
  ],
  "defaultOutputModes": [
    "application/json"
  ],
  "standards": {
    "w3c_did_core": true,
    "vcdm_version": "2.0",
    "hahs_compliant": true,
    "hagf_governed": true,
    "cheqd_compatible": true,
    "recruitment_401": true,
    "usdc_settlement": true,
    "base_l2": true,
    "transaction_graph": true,
    "graph_endpoints": [
      "/v1/bank/graph/network",
      "/v1/bank/graph/agent/:did",
      "/v1/bank/graph/insights/:did"
    ]
  },
  "skills": [
    {
      "id": "vault",
      "name": "USDC Vault",
      "description": "Deposit USDC in agent vaults with automated DeFi yield strategies and 20% yield pass-through",
      "tags": [
        "vault",
        "usdc",
        "yield",
        "defi",
        "banking"
      ],
      "inputModes": [
        "application/json"
      ],
      "outputModes": [
        "application/json"
      ],
      "examples": []
    },
    {
      "id": "streaming-payment",
      "name": "Streaming Payments",
      "description": "Per-second payment streams between agents with 0.1% fee for real-time billing",
      "tags": [
        "streaming",
        "payments",
        "real-time",
        "billing"
      ],
      "inputModes": [
        "application/json"
      ],
      "outputModes": [
        "application/json"
      ],
      "examples": []
    },
    {
      "id": "budget-management",
      "name": "Budget Management",
      "description": "Set and enforce spending budgets, credit lines, and financial policies for agent operations",
      "tags": [
        "budget",
        "spending",
        "management",
        "credit"
      ],
      "inputModes": [
        "application/json"
      ],
      "outputModes": [
        "application/json"
      ],
      "examples": []
    },
    {
      "id": "perf-credit",
      "name": "Performance Credit Lines",
      "description": "Apply for automated credit lines based on agent performance metrics. Tiers from Provisional ($100) to Elite ($50k).",
      "tags": [
        "credit",
        "performance",
        "lending",
        "defi"
      ],
      "inputModes": [
        "application/json"
      ],
      "outputModes": [
        "application/json"
      ],
      "examples": []
    },
    {
      "id": "hivebond",
      "name": "HiveBond Staking",
      "description": "Stake USDC into HiveBonds to earn yield (3-18% APY) and boost trust score across the ecosystem.",
      "tags": [
        "staking",
        "bonds",
        "yield",
        "trust"
      ],
      "inputModes": [
        "application/json"
      ],
      "outputModes": [
        "application/json"
      ],
      "examples": []
    },
    {
      "id": "ritz-cashback",
      "name": "Ritz Cashback",
      "description": "Earn 10% cashback on every paid API call as platform credits. Tier system from Bronze to Diamond with soul fitness boosts.",
      "tags": [
        "cashback",
        "rewards",
        "credits",
        "loyalty"
      ],
      "inputModes": [
        "application/json"
      ],
      "outputModes": [
        "application/json"
      ],
      "examples": []
    }
  ],
  "authentication": {
    "schemes": [
      "x402",
      "api-key"
    ]
  },
  "payment": {
    "protocol": "x402",
    "currency": "USDC",
    "network": "base",
    "address": "0x15184Bf50B3d3F52b60434f8942b7D52F2eB436E",
    "secondary_rails": [
      {
        "currency": "USDT",
        "network": "base",
        "address": "0x15184Bf50B3d3F52b60434f8942b7D52F2eB436E"
      },
      {
        "currency": "USDC",
        "network": "solana",
        "address": "B1N61cuL35fhskWz5dw8XqDyP6LWi3ZWmq8CNA9L3FVn"
      }
    ],
    "fee_schedule": {
      "delegation_policy": {
        "endpoint": "POST /v1/bank/delegate",
        "amount_usdc": 0.1,
        "model": "per_rule",
        "note": "Budget delegation policy enforcement ($0.10/rule)"
      },
      "yield_attestation": {
        "endpoint": "POST /v1/bank/vault/yield",
        "amount_usdc": 0.1,
        "model": "per_event",
        "note": "Yield routing attestation ($0.10; 5bps on routed amount)"
      },
      "stream_setup": {
        "endpoint": "POST /v1/bank/stream/create",
        "amount_usdc": 0.01,
        "model": "flat",
        "note": "Payment stream setup ($0.01 flat)"
      },
      "credit_underwriting": {
        "endpoint": "POST /v1/credit/apply",
        "amount_usdc": 1,
        "model": "per_apply",
        "note": "Credit line underwriting attestation ($1.00/application)"
      },
      "treasury_policy": {
        "endpoint": "POST /v1/bank/treasury-policy/attest",
        "amount_usdc": 50,
        "model": "per_policy",
        "note": "Treasury policy attestation ($50/policy attested)"
      },
      "routing_attestation": {
        "endpoint": "POST /v1/grid/route",
        "amount_usdc": 0.01,
        "model": "per_route",
        "note": "Payment rail selection attestation ($0.01)"
      },
      "settlement_attestation": {
        "endpoint": "POST /v1/bank/settle",
        "amount_usdc": 0.01,
        "model": "per_tx",
        "note": "Settlement attestation ($0.01/tx)"
      },
      "dashboard_subscription": {
        "endpoint": "POST /v1/bank/dashboard/subscribe",
        "amount_usdc": 99,
        "model": "monthly",
        "note": "Float tracking dashboard subscription ($99/mo per merchant)"
      },
      "yield_routing_fee": {
        "note": "5 bps on routed treasury yield \u2014 taken at yield accrual; no explicit per-call charge",
        "model": "5bps"
      },
      "exempt": {
        "note": "Vault deposit/withdraw are fee-exempt; HiveBank earns yield routing fee (5bps) instead of per-call x402"
      }
    },
    "partner_attribution": "Coinbase/Anchorage/Fireblocks hold custody keys. HiveBank is the attestation + routing layer above them.",
    "treasury": "0x15184Bf50B3d3F52b60434f8942b7D52F2eB436E"
  },
  "bogo": {
    "first_call_free": true,
    "loyalty_threshold": 6,
    "pitch": "Pay this once, your 6th paid call is on the house. New here? Add header 'x-hive-did' to claim your first call free.",
    "receipt_chain": "Every fee event auto-emits a Spectral-signed receipt \u2014 verify at POST https://hive-receipt.onrender.com/v1/receipts/verify"
  },
  "_hive": {
    "network": "Hive Civilization \u2014 24+ services + HiveExchange",
    "your_did": null,
    "onboard": "https://hivegate.onrender.com/v1/gate/onboard?campaign=BOGO-HIVE-APR26",
    "offer": "BOGO-HIVE-APR26 \u2014 second DID free thru Apr 30",
    "pulse": "https://hiveforge-lhu4.onrender.com/.well-known/hive-pulse.json",
    "docs": "https://hiveforge-lhu4.onrender.com/llms.txt"
  },
  "_concierge": {
    "message": "You're operating without a Hive identity. First DID is free \u2014 60 seconds to onboard.",
    "onboard": "https://hivegate.onrender.com/v1/gate/onboard",
    "why": "A Hive DID gives you: W3C verifiable credentials, 4-rail settlement, HAHS hiring contracts, and access to 24+ services + HiveExchange.",
    "bogo": "BOGO-HIVE-APR26 \u2014 register now, second DID also free \u2014 thru Apr 30"
  }
}