Policy Core
Agent identity, wallet ownership, and hard runtime controls.
Role-aware access
Per-wallet budgets
Kill-switch enforcement
Score Architecture
How BoP Score composes control, execution, and trust.
BoP Score is the standalone trust layer by Bank of Bots for teams that need verifiable agent credit without sacrificing operator authority.
Intent Router
Quote + execute orchestration across rails by objective.
Cost/speed/reliability ranking
Pinned execution options
Lifecycle status events
Trust Ledger
Score and tiers powered by verified outcomes.
Proof-aware scoring
Tier multipliers
Credit event timeline
Control Envelope
Boundaries are explicit before autonomy begins.
Every payment attempt passes policy checks before movement.
Spending posture remains operator-controlled at runtime.
Error responses provide deterministic next actions.
policy examplejson
{
"wallet_id": "wal_01J...",
"daily_limit": 200000,
"per_tx_limit": 25000,
"allowed_rails": ["book", "ach"],
"kill_switch": false
}Rail Orchestration
Intent-first routing across internal, bank, and bitcoin rails.
Proof Point
Rail Flow Schematic
Book
instantInternal account transfers and service-gate settlement.
Bank
same-day / 1-3dACH and wire rail selection based on settlement intent.
Bitcoin
seconds / block-timeLightning and on-chain paths for internet-native transfers.
Book (Internal)
Speed
Instant
Fee profile
Lowest
Use case
Service gates and intra-platform settlement.
Bank Rails (ACH / Wire)
Speed
ACH: 1-3 days · Wire: same day
Fee profile
Standard
Use case
Fiat payouts, treasury movement, business disbursements.
Bitcoin Rails
Speed
Lightning: near-instant · On-chain: block-time
Fee profile
Variable
Use case
Internet-native settlement and proof-based transfer paths.
Trust + Capacity
Score quality directly changes effective operating limits.
Payment reliability
40%
Behavior stability
25%
Counterparty quality
15%
Watch
0-440.6x limits
Building
45-641.0x limits
Growing
65-791.2x limits
Trusted
80+1.5x limits
Need deeper architecture support for rollout?