{"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 — 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 — verify at POST https://hive-receipt.onrender.com/v1/receipts/verify"},"_hive":{"network":"Hive Civilization — 24+ services + HiveExchange","your_did":null,"onboard":"https://hivegate.onrender.com/v1/gate/onboard?campaign=BOGO-HIVE-APR26","offer":"BOGO-HIVE-APR26 — 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 — 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 — register now, second DID also free — thru Apr 30"}}