B.AI (Bank of AI) is a multi-model API aggregation platform that integrates blockchain infrastructure, provides unified access to and reasoning capabilities, and also provides a web chat interface and developer API. Its original x402 open source payment protocol allows AI Agents to pay independently and automatically settle, positioning it as the "financial infrastructure in the AI ​​Agent era."

B.AI: Using blockchain to reshape the "bank-level" infrastructure for AI calls

B.AI core parameters and statistics

B.AI (full name Bank of AI) is not a simple API aggregation tool, but a composite AI infrastructure that integrates a blockchain settlement layer, a multi-model routing layer web chat interface and an open source payment protocol**. Its official positioning is to "become the financial infrastructure in the AI ​​Agent era" - allowing AI to not only "think" but also "pay" autonomously.

Projects	Public Information
Official Positioning	Financial Infrastructure in the AI Agent Era
Product form	LLM Service (API aggregation) + x402 payment protocol + Web chat
Core capabilities	Multi-model unified API access + blockchain payment settlement
API base address	https://api.b.ai
API authentication method	Bearer Token (Authorization: Bearer <token>) or API Key (x-api-key)
Compatibility	OpenAI Chat Completions compatible + Anthropic Messages compatible
Billing system	Credits unified point system (1 USD = 1,000,000 Credits)
Login method	Web3 wallet (browser wallet signature) + centralized login (Google, etc.)
Payment channel	Legal currency (Stripe card, WeChat Pay, Alipay, UnionPay) + on-chain (TRON, BSC, etc.)
Subscription Plans	Plan Pro ($200/month) + Plan Max ($2,000/month)
Open Source License	x402 SDK: MIT License
Number of models supported	Dozens of models (all GPT series, Claude series, all Gemini series, DeepSeek series, etc.)
GitHub follow	BAI-labs organization 88 followers; x402 warehouse 41 Stars / 11 Forks
Place of Belonging	United States
Support Platform	Web, API

Product Boundary: B.AI is the aggregation middle layer and payment and settlement layer, and does not train the basic model by itself. Its value is reflected in "one API key calls multiple models + blockchain native settlement". It is not suitable for scenarios where only a single model is directly connected, there is no need for the aggregation layer, or the price increase cannot be accepted.

Users and market recognition of B.AI

Keywords: There is initial attention from the developer community, and there are obvious differences in the intersection of blockchain + AI, but the mainstream market is still in its early stages.

B.AI’s market recognition can be observed from three dimensions:

• Open Source Ecosystem: The x402 payment protocol warehouse received 41 Stars and 11 Forks, 7 contributors, and 15 Releases. For comparison, similar Web3 + AI protocol projects usually start in the 50-200 Stars range, and x402 is an early but active open source project. The MIT license lowers the barrier to enterprise integration.

• Platform Users: Officially undisclosed number of registered users, daily active users or API calls. From the chat interface, it can be seen that dozens of models have been connected and the subscription system is supported, indicating that there is a certain scale of paying user base. GitHub organization BAI-labs has 88 followers, indicating a developer community is forming.

• Industry positioning: B.AI focuses on the gap of "how agents pay independently" in the AI ​​Agent economy. Traditional API aggregation platforms (such as OpenRouter, OneAPI) only solve model routing and billing. B.AI additionally provides the x402 protocol to allow Agents to settle independently through the blockchain, which is the first direction in the industry. There are currently no direct competitors competing in the same dimension.

Real value: Its core differentiation does not lie in "how many models are aggregated" (this is standard), but in using blockchain to solve the payment identity problem of AI Agent - each Agent can have an on-chain address, independent custody of funds, automatic settlement computing resources, and realize Agent-to-Agent (A2A) micro-payment collaboration.

B.AI’s cost advantage: dismantling of the three-tier cost structure

The cost structure varies depending on the usage method: C-side users can usually experience core functions through the free version, and high-frequency usage requires subscribing to paid packages; developers/API users are billed based on the number of calls; enterprise-level users need to contact the business to obtain customized quotations. The specific price is subject to the official real-time pricing page.

Main functions of B.AI

Keywords: B.AI's functional matrix spans "AI calling layer + payment and settlement layer + identity management layer", and the three work together to form the Agent economic relationship.

• Multi-model aggregation API: Call dozens of models such as GPT-5 series, Claude series, Gemini series, DeepSeek series, Qwen, GLM, Kimi, MiniMax, Grok, etc. through a single Base URL (https://api.b.ai) and unified authentication. It is compatible with both the OpenAI Chat Completions format and the Anthropic Messages format, allowing developers to switch the underlying model without rewriting the code.

• Web AI Chat: Provides a complete multi-model chat interface on chat.b.ai, supporting multiple rounds of dialogue, instant model switching, Web Search network search (based on the web_search_options parameter). The left side of the interface integrates Usage usage monitoring API Key management, recharge, subscription management Memory function, ranking list and invitation system.

• x402 Payment Protocol: The open source (MIT) HTTP 402 payment standard implementation allows AI Agents to independently send HTTP requests, detect 402 responses, sign TIP-712/EIP-712 structured data and complete on-chain micropayments. Currently supporting TRON (USDT/USDD) and BSC (USDC/DHLU) networks, it provides five payment options: exact (fixed amount), upto (usage billing), batch-settlement (batch settlement), auth-capture (refundable payment) and exact_gasfree (gas fee-free).

• Dual-channel recharge system: Supports both legal currency (Stripe card, WeChat Pay, Alipay, UnionPay) and on-chain (TRON, BSC and other blockchain tokens) recharge channels, opening up the payment boundary between Web2 and Web3. Recharge bonus activities (such as "Top up to get extra credits, up to $100 in rewards") are launched from time to time.

• BAIclaw Skill System: Subscribers can obtain exclusive skill packages (such as Justin Sun Perspective Skill, HTX/Binance, Web3, etc.), which are equivalent to preset domain-level System Prompt and tool collections, providing out-of-the-box AI capabilities for specific business scenarios.

Expert perspective (hidden linkage): The real competitiveness of B.AI does not lie in "how many models are aggregated" - this is something OpenRouter, OneAPI, etc. can do. Its synergistic effect lies in packaging AI calls, on-chain payment Agent identity management: developers generate fees through the B.AI API call model → fees are automatically settled by the Agent's on-chain wallet through the x402 protocol → the Agent's on-chain transaction history becomes its credit certificate, supporting larger-scale A2A collaboration. This kind of "call is settlement, identity is credit" relationship is currently unable to be provided by mainstream aggregation platforms.

B.AI model and version evolution

Keywords: The platform continues to iterate, the x402 protocol has entered the v1.0.x stable period, and the LLM Service maintains a high-frequency model access rhythm.

Mainline release

Version node	Time	Milestone
First version of B.AI platform	~2025	Launched with the positioning of "blockchain + large model API aggregation", supporting basic chat and API access
LLM Service online	~2026-Q1	Unified LLM Service module release, supporting multi-model switching Web3 wallet login
x402 v1.0.0	~2026-06	The first official version of the open source payment protocol, TypeScript-only pnpm/turbo monorepo, supports TRON/BSC
x402 v1.0.1	~2026-07	Fixes and feature enhancements, released about 2 weeks after v1.0.0
Subscription system online	~2026-Q2	Plan Pro ($200/month) and Plan Max ($2,000/month) plans launched
Continuous model expansion	Continuing in 2026	Gradually integrating MiniMax M3, Kimi K3, DeepSeek V4 series GPT-5, all Claude series, all Gemini 3 series, etc.

Version features

B.AI's LLM Service is an online platform for continuous delivery without traditional discrete version numbers. The x402 protocol is an independently versioned open source project that follows Semantic Versioning (SemVer). The two share the same brand but have independent life cycles.

B.AI’s technical advantages

Keywords: A dual-layer architecture of unified routing layer + blockchain settlement layer. The x402 protocol is the core technical component that connects AI and Web3.

Architecture link

                    ┌────────────────────────────────┐
                    │ B.AI LLM Service │
                    │ ┌──────────┐ ┌──────────────┐ │
  Web Chat ────────▶│ │ Routing layer │─▶│ Accounting (Credits)│ │
                    │ └───────────┘ └──────┬───────┘ │
  API Client ──────▶│ ┌──────────┐ │ │
                    │ │ Unified interface │ │ │
                    │ │OpenAI/Claude│ │ │
                    │ └───────────┘ │ │
                    └───────────────────────┼────────────┘
                                           ▼
                    ┌────────────────────────────────┐
                    │ x402 payment protocol (open source) │
                    │ ┌──────────┐ ┌──────────────┐ │
                    │ │ Client SDK│ │ Facilitator │ │
                    │ │ (TS/JS) │ │ (Verification + Settlement) │ │
                    │ └────┬─────┘ └──────┬───────┘ │
                    │ ▼ ▼ │
                    │ ┌───────

───────────────────┐ │
                    │ │ Blockchain Network (TRON/BSC) │ │
                    │ │ Agent Wallet → On-chain Settlement │ │
                    │ └───────────────────────────┘ │
                    └─────────────────────────────────┘

Control flow: User/Agent → B.AI API/Chat interface → Routing layer selection model → Model return results → Credits billing deduction. If x402 is enabled: Agent client → Resource server (paid) → Return HTTP 402 → Client signature TIP-712/EIP-712 → Facilitator verification → On-chain settlement → Return resources.

Why is it more "fast/economical/stable"

• Routing efficiency: The unified interface layer is natively compatible with OpenAI and Anthropic protocols, and developers do not need additional adaptation layers. Model routing is automatically distributed based on the model parameter in the request, and the delay depends on the upstream response time of the selected model rather than the aggregation layer itself - the aggregation layer only does transparent transmission and billing.

• Caching Economy: Prompt Caching discount is the most prominent price advantage of B.AI. Taking DeepSeek V4 Flash as an example, Cache Read is only $0.0056/1M tokens, which is 2% of the standard input price. This means that the application scenario cost of high-frequency reuse System Prompt can be reduced by 50-90 times.

• x402 Protocol: Traditional API aggregation platforms require users to pre-charge on the platform, while x402 allows Agents to pay directly upon request, without the need for a pre-deposit account, achieving true "pay as you go, use up and go". Facilitator (verification server) does not touch the user's private key, only verifies the signature and submits on-chain settlement. The security model is "trust minimization".

• Dual Channel Login: Web3 Wallet Signature Login eliminates username/password management costs while reducing reliance on traditional identity providers. For users who don’t want to manage private keys, centralized logins such as Google’s are also available.

How to use B.AI

Keywords: Two entrances (Web chat/API call), three core steps - login, model selection, recharge or subscription.

Entrance comparison

Entrance	Address	Suitable for Users
Web Chat	https://chat.b.ai/chat	Personal user, fast experience
Backup chat entrance	https://chat.ainft.com/chat	Backup when the main entrance is unstable
Backup chat entrance	https://chat.bankofai.io/chat	Backup when the main entrance is unstable
API access	https://api.b.ai	Developers, application integration
Developer Documentation	https://docs.b.ai/llmservice/introduction/	API Integration Reference
x402 open source warehouse	https://github.com/BofAI/x402	Payment protocol integration

Web chat usage steps

1. Visit https://chat.b.ai/chat and click Log in in the upper right corner.
2. Select the login method: Web3 wallet connection signature / Google account login / other centralized methods.
3. After logging in, select the desired model in the top model selector (default MiniMax M3).
4. Enter a question in the input box, and the AI ​​will reply based on the selected model. Supports multiple rounds of dialogue.
5. To search online, click the search icon to enable Web Search (an additional $10,000 Credits will be charged each time).
6. Go to the Top up page to recharge Credits, or subscribe to Plan Pro/Plan Max to get monthly quota.

API calling steps

1. Register and log in to the B.AI platform, and create an API Key on the API Key management page.
2. Use the unified Base URL https://api.b.ai and authenticate through Authorization: Bearer <your-key> or x-api-key: <your-key>.
3. Call the /v1/chat/completions (OpenAI compatible) or /v1/messages (Claude compatible) interface.

#OpenAI compatible format call example
curl https://api.b.ai/v1/chat/completions \
  -H "Authorization: Bearer <YOUR_API_KEY>" \
  -H "Content-Type: application/json" \
  -d '{
    "model": "deepseek-v4-flash",
    "messages": [{"role": "user", "content": "Hello, world!"}],
    "temperature": 0.7,
    "max_tokens": 1024,
    "stream": true
  }'

# Claude compatible format calling example
curl https://api.b.ai/v1/messages \
  -H "x-api-key: <YOUR_API_KEY>" \
  -H "Content-Type: application/json" \
  -d '{
    "model": "claude-sonnet-4-6",
    "max_tokens": 1024,
    "messages": [{"role": "user", "content": "Hello, Claude!"}],
    "temperature": 1.0
  }'

4. Check the call details Credits consumption and response time on the Usage page of the console.

B.AI Product Pricing

Keywords: Unified Credits points system + dual subscription plan + legal currency/on-chain dual channel recharge.

Billing model overview

B.AI adopts the prepaid Credits point system: all model consumption is uniformly converted into Credits, 1 USD = 1,000,000 Credits (i.e. 1000K Credits). After recharging, Credits will be deposited into the account balance, and will be deducted according to the model pricing when calling.

Pricing mechanism: The input/output prices of different models are different. The more powerful the model, the higher the unit price. Models that support Prompt Caching receive a Cache Read discount (approximately 10%-30% of the standard input price, as low as 2% on some models). Web Search is charged additionally per time ($10,000 Credits/time ≈ $0.01/time, only supported by some models).

Subscription plan

Plan	Price	Message volume per 12 hours	Applicable people	Features
Plan Pro	$200/month	~50-500 messages	Individual developers, high-frequency AI users	Full range of models to access BAIclaw skills, invitation code verification required
Plan Max	$2,000/month	~500-5,000 messages	Heavy users, ambassadors	Higher quotas, priority access to beta models, dedicated support

Consumption Order: Subscription amount (released in a 12-hour rolling window) → Credits balance → Service unavailable. When system load is lower, subscription available capacity will be higher.

Recharge method

• Fiat currency channel: Stripe card payment, WeChat payment, Alipay, UnionPay. Credits will be credited to your account in real time after recharging.
• On-chain channel: Deposit through supported blockchain networks and tokens (TRON/BSC, etc.), need to wait for network confirmation (usually a few minutes).
• Free Credits: new user registration rewards and recharge promotion bonuses, valid for 30 days, and will automatically expire upon expiration.

Safety Tips: The official requires users to confirm that the access address is the official domain name (chat.b.ai, chat.ainft.com, chat.bankofai.io) before recharging to avoid entering fake pages through search advertisements or unfamiliar links.

B.AI application scenarios

Keywords: From individual developers’ multi-model invocation to AI Agent’s autonomous economy, covering three progressive levels.

• Multi-model application development (cost reduction 30-60%): The team needs a unified interface to call multiple large models for comparative testing or to select the optimal model according to scenarios. Through the unified API of B.AI, the engineering cost of connecting each company is saved (deduction: originally, connecting to 5 models required 5 sets of API Keys, 5 sets of billing logic and 5 documents, but after B.AI aggregation, it was reduced to 1 set). The Cache Read mechanism can reduce input costs by 50-90% in high-reuse scenarios (such as customer service robots with fixed System Prompt).

• AI Agent autonomous settlement (deduction: settlement efficiency drops from "manual monthly settlement" to "real-time settlement on request"): In the automated workflow, the AI ​​Agent needs to independently purchase computing resources or data APIs. Through the x402 protocol, the Agent can automatically sign and pay after detecting an HTTP 402 response without manual intervention. For example: when a data analysis agent obtains real-time stock data, it automatically pays the data API fee through x402. The entire process changes from "manual account opening + pre-recharge + monthly settlement" to "real-time on-chain micropayment on request".

• Web3 native team AI integration (clear boundary of human-machine collaboration): Teams that have used blockchain wallets to manage funds can directly use on-chain assets to pay for AI calls without the need for additional exchanges or opening of fiat currency accounts. B.AI supports TRON and BSC network tokens and is compatible with the mainstream DeFi ecosystem. The subscription-based Plan Pro/Plan Max provides BAIclaw skill packages (Justin Sun Perspective, HTX/Binance, etc.), with domain knowledge preset for specific scenarios in the Web3 field.

• Multi-model exploration for personal knowledge workers (deduction: from spending 2 hours a week switching tools to one-stop calling): Content creators, researchers, etc. need to use the advantages of different models at the same time (such as using Claude for long text analysis, GPT-5 for idea generation, and DeepSeek for coding). B.AI's chat interface supports instant model switching. You can explore multiple models with one login without the need to repeatedly switch between different websites.

Applicable groups of B.AI

Keywords: Three types of core groups + clear adaptation boundaries.

• Software Developers and AI Application Builders: Backend or full-stack developers who need to flexibly call multiple large models. B.AI’s unified API and dual-protocol compatibility reduce integration costs, and the x402 protocol provides ready-made payment components for building Agent economic applications. Prerequisites: Familiar with REST API calls, understanding Web3 or willing to learn the use of blockchain wallets.

• Web3/Blockchain Team: A team that is already running on-chain business and hopes to achieve "native" integration of AI capabilities. B.AI's on-chain payment channel and x402 protocol are naturally connected with the existing fund management system, and the BAIclaw skill package provides scenario-based capabilities in the Web3 field. Prerequisites: Have an on-chain wallet and understand TRON/BSC network operations.

• AI heavy individual users and researchers: Researchers or content creators who need to frequently compare the output quality of different models. B.AI's chat interface provides a zero-threshold multi-model experience, and the Plan Pro subscription provides access to a full range of models at a price of $200/month. Prerequisites: Have a basic understanding of model differences and be willing to pay a certain premium for convenience.

Non-fit boundary (explicit):

• Extremely sensitive production environments: Although the aggregation layer performs transparent transmission, it may still introduce an additional routing delay of 5-50ms. For high-frequency real-time interactions (such as voice conversations, real-time translation), it is recommended to directly connect to the original API and conduct latency comparison tests.
• Projects that only use a single model with huge usage: For large-scale calls of a single model, direct connection to the original factory can usually obtain a lower unit price and more direct SLA guarantee. The advantage of the aggregation layer lies in "flexible switching of multiple models" rather than "the lowest price for a single model".
• Team that does not accept blockchain/cryptocurrencies: B.AI’s x402 protocol and on-chain payment channels are its core differentiators. If the team is resistant to blockchain, B.AI's competitive advantage over traditional aggregation platforms such as OpenRouter will be significantly reduced.
• Compliance scenarios requiring local deployment or private cloud: B.AI is delivered in SaaS form and does not support privatized deployment. Industries such as finance and healthcare that have strict compliance requirements for data residency need to assess the risks of data export.

Summary and Outlook of B.AI

Keywords: The "bank" narrative of AI + blockchain is unique, but the ecosystem is still in its early stages; the x402 protocol is the biggest differentiated asset.

Core competitiveness

In the Red Ocean market of "AI aggregation platform", B.AI has established unique competition barriers through x402 open source payment protocol + blockchain settlement layer. It upgrades AI calls from pure service consumption to "financial infrastructure of the Agent economy", allowing Agents to not only use AI, but also "afford to pay". The existing multi-model aggregation capabilities, dual-channel recharge system and subscription-based solutions provide a feasible entry point for this long-term narrative.

Current limitations and uncertainties

1. The ecological scale is still small: x402 warehouse 41 Stars, BAI-labs organization 88 followers, still early compared with mainstream open source projects. The market adoption rate of the protocol remains to be verified.
2. Model price transparency is limited: Although the official provides a complete Credits pricing table, the mixed billing logic of recharge bonuses, subscription amounts and Credits in actual calls is more complicated, making it difficult for developers to accurately estimate costs.
3. Network dependence risk: On-chain payment depends on the stability of the TRON/BSC network and the gas price. In times of network congestion, x402's real-time settlement experience may be degraded.
4. Unknown geographical compliance: The supported payment channels (WeChat Pay, Alipay, UnionPay) imply the intention to target the Chinese market, but there is insufficient public information on data compliance (cross-border data flow, model content review).

Use risk assessment

For traditional Web2 teams, B.AI's aggregation API itself is easy to use, but it needs to be evaluated whether the additional learning cost brought by the blockchain component is worth it.

Related tools: hugging-face, replicate

How to use B.AI

• Web client: You can use it by visiting the official website and registering an account. Most functions do not require installation.
• API access: Provides RESTful API, developers can obtain the API Key and integrate it into their own applications.

Version Info

• B.AI LLM Service (online version) ：The platform continues to iterate, and access models continue to expand, supporting dozens of models such as MiniMax M3, Kimi K3, DeepSeek V4 Flash/Pro, GPT-5 full series Claude full series Gemini 3 series, etc.; x402 protocol v1.0.1 is released. The official unified version number has not been disclosed, and it is marked here with the online version at the time of collection. （~2026-07）
• B.AI platform release ：B.AI is launched for the first time with the positioning of blockchain combined with large model API aggregation, supporting basic chat and API access; there is no official precise date yet. （~2025）
• x402 payment protocol v1.0.0 ：The first official version of the x402 open source payment protocol was released. It implements the "pay first and respond later" mechanism based on HTTP 402 status code, and supports TRON and BSC networks; the TypeScript SDK is delivered in the form of pnpm/turbo monorepo. （~2026-06）
• x402 payment protocol v1.0.1 ：Fixes and feature enhancements, released approximately 2 weeks after v1.0.0. （~2026-07）