1. What ABI is, and is not

Artificial Banking Incorporated (“ABI”) is software that puts spending policies, human approvals and an audit trail between AI agents and an organization's funds. Despite the name, ABI is not a bank, credit institution, money transmitter, payment institution, e-money issuer, broker or custodian, and holds no banking, money-transmission or other financial licence. ABI does not take deposits, lend, pay interest, or offer investment advice. Balances are not insured by the FDIC or any deposit-guarantee scheme.

2. Test network only

This deployment runs on Base Sepolia, a public test network. Test USDC has no cash value and cannot be redeemed. Mainnet settlement and managed custody are not offered. The vault signing key for each organization is held encrypted by the server, which means the operator of this deployment could technically move test funds; do not send real assets to a vault address.

3. Pre-beta

Features may change, break or be withdrawn without notice, and data may be reset. The service is provided “as is” and “as available”, without warranties of any kind, to the extent the law allows.

4. Eligibility and verification

You must be at least 18 and able to enter a binding agreement. You may not use ABI if you, or anyone you act for, is subject to sanctions or located in an embargoed country or region. ABI runs its own basic checks (“know your customer” and “know your agent”): you attest to who you are and what each agent is for, and ABI compares the country you give against a small bundled list. These are internal, self-attested checks, not regulated identity verification or sanctions screening, and they do not certify compliance with any law. Until you complete them, starter spending limits apply. ABI may restrict an organization that fails them.

5. Your responsibilities

You are responsible for the credentials issued to your organization, for the policies you configure, for approvals you grant, for what your agents do, and for any transfers initiated through your vault. Keep API keys and guardian keys secret and revoke compromised credentials immediately. Information you give us must be true.

6. Acceptable use

Do not use ABI for anything unlawful, including fraud, money laundering, sanctions evasion or financing of terrorism; do not attack, probe or overload the service; do not access another organization's data; and do not use ABI to pay for goods or services that are illegal where you or the seller are.

7. Third parties

Payments may reach third-party sellers, x402 facilitators, blockchain networks and stablecoin issuers. ABI is not affiliated with them and is not responsible for their services. Names and logos of AI providers and other companies shown on this site are trademarks of their owners, used only to describe compatibility; their use does not imply endorsement or partnership.

8. Liability

To the extent the law allows, ABI is not liable for indirect or consequential loss, or for loss of test assets, data or profits. Nothing in these terms limits liability that cannot be limited by law.

9. Changes and contact

We may update these terms; the version above changes when we do, and continued use means you accept the update. For questions, open an issue on the project repository. These terms are a short operator notice for the public pre-beta console; they are not a negotiated commercial agreement. See also the Privacy notice and Cookie notice.