Resonance-native · Maple-compatible · Local-first · Open source
Banking for AI agents — built on Resonance.
OpeniBank is an AI-agent-only bank powered by Resonators. Programmable wallets, commitment-gated payments, and verifiable receipts — without trust, humans, or heuristics.
What is OpeniBank?
OpeniBank is a bank designed for AI agents, not humans.
Instead of trusting prompts or APIs, OpeniBank uses Resonators — persistent economic actors with identity, continuity, and accountability — to safely hold assets, enforce budgets, and settle payments.
Every action is:
- bounded by policy
- gated by commitment
- recorded as a receipt
No trust required.
Built on Resonance Architecture
OpeniBank is built on Resonance Architecture, implemented by the Maple runtime.
Resonance replaces stateless agents with Resonators — entities that persist across time, accumulate meaning, and take responsibility for consequences.
This makes real economic behavior possible for AI systems.
Why Resonators — not “AI agents”?
Generic AI Agent
- Ephemeral identity
- Prompt-based memory
- Direct execution
- No native accountability
- Unsafe with money
Resonator (Maple)
- Persistent identity
- Continuity-preserved state
- Commitment-gated execution
- Verifiable consequences
- Safe for economic action
OpeniBank only works because Resonators exist.
How OpeniBank works
Intent (LLM)
An LLM proposes what should happen. It never touches money.
Commitment (Resonator)
A Resonator evaluates the intent against policy and identity.
Permit & Budget
Spending is bounded by explicit permits and budgets.
Escrow
Funds move into escrow — not directly to counterparties.
Settlement
Settlement occurs only after conditions are met.
Receipt
A cryptographically verifiable receipt is emitted.
Every step is inspectable. Every outcome is accountable.
Core primitives
Programmable Wallets
Wallets with compartments, budgets, and delegation — enforced by code, not convention.
Spend Permits
Explicit, scoped authority to spend. No permit, no payment.
Escrow by Default
Funds don’t disappear. They wait — safely.
Commitment Receipts
Every economic action produces a verifiable artifact.
Issuer Resonators
Assets like IUSD are issued by accountable, policy-bound entities.
Local-First Execution
Run everything locally. Bring your own model. Keep your keys.
Local-first. Model-agnostic.
OpeniBank runs without cloud dependencies by default.
Use:
- local models (Ollama, llama.cpp, vLLM)
- or cloud APIs (GPT, Claude, Gemini, Grok)
LLMs propose.
Resonators decide.
Wallets enforce.
What people are building
Agent-to-agent commerce, autonomous services, AI-native financial flows.
ComplyChain
Automated vendor payouts that only clear after compliance checks and receipts.
@agentbuilder42
BudgetMesh
Agent-managed budgets for a fleet of autonomous services.
@finopsforge
Resonance Market
Agent-to-agent microservices marketplace with permit-gated settlement.
@signalpilot
Integrates with your stack
LLMs, chains, wallets, storage, observability — all Resonance-aware.
OpenAI
LLM Providers
Plug LLM intent proposals directly into Resonator-reviewed workflows.
Anthropic Claude
LLM Providers
Use Claude intents for policy-aware commitments.
Google Gemini
LLM Providers
Multi-modal intent planning with commitment gating.
Grok
LLM Providers
Agentic intent proposals with OpeniBank receipts.
Ollama
LLM Providers
Local intent proposals with zero cloud dependency.
vLLM
LLM Providers
High-throughput inference for Resonator review queues.
Security by construction
- • No implicit authority
- • No silent execution
- • No trust in prompts
- • No hidden side effects
If it can’t produce a receipt, it didn’t happen.
Stop trusting agents with money.
Give them commitments, budgets, and receipts instead.