What Is SkyeProfile?
Nine Experts, Ten Dimensions, One Call

A balance check is not due diligence. Knowing a wallet holds tokens tells you almost nothing about whether it should be trusted. SkyeProfile changes the question from what does this wallet hold? to what kind of wallet is this? One API call dispatches nine independent specialists across ten signed dimensions, each evaluating the wallet from a different angle, each signing their own attestation with their own cryptographic key. The result is not a score. It is a complete, verifiable, multi-dimensional trust profile. Think of it as hiring a team of experts with a single phone call.

We have programmable money without programmable trust. Autonomous agents can move cash in seconds; the infrastructure to verify whether they should has been missing. That is the gap SkyeProfile closes — a pre-transaction trust check for a world where AI agents are already moving real money. More than half of payment fraud already involves AI. The rails for autonomous agent payments are live this quarter. The verification layer needs to be live too.

At its simplest: SkyeProfile returns a multi-attestation envelope — independent signed answers across wallet state, behavior, identity, security, governance, performance, settlement, and compliance. Every signature verifiable offline against its issuer's published JWKS. What follows is how that orchestration works, and why no single source can answer those questions alone.

For the urgency story and the spec convergence timeline, see Would You Trust Your Agent? KYA Is Real.

The General Contractor Model

When you build a house, you do not hire one person to do everything. You hire a general contractor. The contractor coordinates the electrician, the plumber, the structural engineer, the roofer, the HVAC specialist, and the inspector. Each one brings deep expertise in their domain. Each one signs off on their own work. The contractor does not pretend to be all of them. The contractor orchestrates.

SkyeProfile is the general contractor for wallet trust.

When your system needs to decide whether to trust a wallet, SkyeProfile dispatches nine specialized providers in parallel across ten signed dimensions. Each provider evaluates the wallet from their dimension of expertise. Each provider returns an independently signed attestation. SkyeProfile assembles the results into a single response. It does not generate the trust signals. It orchestrates them.

The foundation underneath all of it is InsumerAPI. It provides the wallet state attestation: what the wallet holds across thirty-three blockchains, evaluated against over forty checks, returned as a cryptographically signed result. The primitive is simple: read blockchain state, evaluate conditions, sign the result. That is wallet auth. Every other dimension branches off from that foundation. The plumber needs to know the house has walls before running pipe. The identity provider needs to know the wallet exists on-chain before evaluating who controls it.

The Crime Scene Analogy

Consider how investigators process a crime scene. The first officer secures the perimeter. Then the specialists arrive. A forensics team handles physical evidence. A ballistics expert examines projectiles. A medical examiner determines cause of death. A digital forensics analyst pulls data from devices. A toxicologist screens for chemicals. Each expert writes an independent report. Each expert signs their findings. No single expert sees the full picture, but the lead investigator assembles all reports into a comprehensive case file.

This is exactly how SkyeProfile works. The wallet address is the scene. Each provider is a specialist. Their signed attestations are independent expert reports. SkyeProfile is the lead investigator assembling the case file. And just like a real investigation, you can verify each expert's credentials and methodology independently. You do not have to trust the lead investigator's summary. You can check the signatures yourself.

Nine specialists. Ten signed dimensions. One call. Verifiable results.

Ten Dimensions, Nine Specialists

Each dimension of SkyeProfile is handled by a provider that does nothing but that one thing, all day, every day. Nine independent issuers contribute ten signed dimensions — one provider, RNWY, contributes two distinct signals from a single JWKS endpoint. Here is the team:

Wallet State is the foundation. Powered by InsumerAPI, it evaluates what the wallet holds across thirty-three blockchains. Stablecoins, governance tokens, NFTs, staking positions, DeFi activity. Over forty checks. ES256-signed. This is the bedrock the other dimensions build on.

Behavioral Trust asks whether the wallet behaves like a real participant or a sybil. RNWY maintains a dual-score model across over one hundred fifty thousand agents spanning twelve EVM chains and Solana. Signal depth measures behavioral observability. Risk intensity measures fraud probability. A well-funded wallet with no behavioral history is not an error. It is a signal. Signed under rnwy-trust-v2 with the wallet address inside the signed JWS bytes.

Wallet Intelligence is RNWY's second dimension, operating at a different altitude than Behavioral Trust. Behavioral Trust asks "is this agent trustworthy." Wallet Intelligence asks "what has the operator wallet done as an actor" — observational tenure, commerce history, agent ownership, review behavior, and sybil detection reactivity. Signed under rnwy-wallet-v1 from the same JWKS endpoint, with independent signalDepth and riskIntensity axes. A high-behavioral-trust agent owned by a low-signal-depth operator is a meaningfully different risk than the same agent owned by a deeply established operator.

Identity Verification determines who controls the wallet. AgentID resolves DID chains, delegation patterns, interaction histories, and completion ratios. Version 1.1.0 of the schema signs bound_addresses, subject_binding, and chain-specific wallet fields directly into the JWS payload. The attestation links a wallet to a verifiable identity without exposing personal data. EdDSA-signed.

Security Posture scans for vulnerabilities. AgentGraph performs source code scanning on agent wallets, categorizing findings by severity. A wallet controlled by an agent with known vulnerabilities is a different risk profile than one with a clean security audit. EdDSA-signed.

Governance verifies the wallet operates within a sanctioned authority chain. The Agent Passport System traces delegation lineage from human principal to agent action. Who authorized this wallet? What are its spending limits? Is its policy chain intact? The wallet_ref primitive inside the signed JWS bytes lets a verifier confirm which wallets the agent's passport claims to control, and a public reverse-index endpoint resolves wallet addresses to bound agents directly. EdDSA-signed with a full PolicyReceipt chain and Merkle commitment.

Reasoning Integrity is the most forward-looking dimension. ThoughtProof runs adversarial multi-model critique to determine whether the agent behind a wallet is making sound decisions. An agent can execute correctly but reason incorrectly. This catches the difference. EdDSA-signed.

Job Performance asks whether the agent delivers quality work. Maiat tracks task completion rates, accuracy metrics, and performance scores from real job execution through an ERC-8183 escrow system. Past performance is the best predictor of future performance. ES256-signed.

Settlement History answers the ultimate question: did this wallet deliver what it was paid for? SAR maintains a receipt chain of operation bindings, delivery verifications, and settlement witness receipts. As of kid sar-prod-ed25519-03, the counterparty wallet address is inside the signed JWS payload for post-rotation receipts — legacy receipts under kids -01 and -02 continue to verify under their original semantics. EdDSA-signed with verdict scoring.

Compliance Risk closes the pre-execution signal stack. Revettr screens counterparty wallets against OFAC, EU, and UN sanctions lists, plus domain hygiene, IP reputation, and wallet behavior analysis. The compliance attestation signs the wallet address directly into the JWS sub claim. For a gateway making a payment-class decision, this is the difference between "we think the counterparty is clean" and "we can prove the counterparty is clean against these specific lists at this specific time." ES256-signed.

Why One Source Is Not Enough

The current market for wallet trust is fragmented. You can check a wallet's balance. You can look up its transaction history on a block explorer. You can run it through a sanctions list. Each of these is a single dimension. Each one, alone, is incomplete.

A wallet can be well-funded and malicious. A wallet can have clean transaction history and be controlled by a compromised agent. A wallet can pass sanctions screening and still be a sybil. A wallet can hold governance tokens and have no delegation authority.

This is the problem with single-source trust. It is like hiring only the electrician to inspect the house. The wiring might be perfect. The foundation might be crumbling.

SkyeProfile solves this by querying across dimensions simultaneously. You do not get a single number. You get ten independent assessments across nine specialized providers. You decide which dimensions matter for your use case. A DeFi protocol might weight wallet state and settlement history heavily. An agent marketplace might prioritize reasoning integrity and job performance. A compliance system might focus on identity verification, compliance risk, and governance.

A wallet is not a balance. It is a history.

How It Actually Works

One API call. One wallet address. SkyeProfile calls all nine providers in parallel (ten dimensions, since RNWY contributes two). Each provider evaluates the wallet independently. Each provider signs their attestation with their own cryptographic key (ES256 or EdDSA). Each provider publishes their public key at a JWKS URI. The response arrives as a unified payload with ten independently verifiable attestations, formatted as a multi-attestation envelope.

The critical design choice: you do not have to trust SkyeProfile. Each attestation includes the provider's JWKS URI and key ID. Fetch the public key. Verify the signature. You can do this offline, with no callback to SkyeProfile or any provider. The signatures are the proof.

If a provider is temporarily unavailable, that dimension returns as unavailable while the remaining dimensions still return valid, signed attestations. Graceful degradation. A house inspection does not fail because the roofer is stuck in traffic. The other specialists still do their work.

Wallet state attestations from InsumerAPI are valid for thirty minutes. Behavioral scoring from RNWY can hold for up to twenty-four hours. JWKS keys are cacheable per standard HTTP cache headers. Once you have fetched the public keys, verification is fully offline.

Better Than What Exists Today

The alternatives fall into two categories: too narrow or too opaque.

Too narrow means single-dimension tools. Balance checkers tell you what a wallet holds but nothing about how it behaves. Sanctions screening tools tell you whether an address is flagged but nothing about its operational history. Sybil detectors tell you whether an address is real but nothing about its governance authority. Each tool requires a separate integration, a separate vendor relationship, and a separate trust assumption.

Too opaque means credit-score-style systems that return a single number from a black box. You get a 742. What does that mean? Which inputs drove it? Can you verify the methodology? Can you weight dimensions differently for your use case? With a single score, you cannot. You either trust the provider's model or you do not.

Everything else forces you to choose between incomplete or unverifiable. SkyeProfile removes that tradeoff. Ten signed dimensions across nine independent providers, ten verifiable signatures. You see exactly which providers assessed the wallet, what each one concluded, and you can verify every signature independently. No black box. No single score. No trust required. You send a wallet address in. You get cryptographically verifiable results out.

Built to Grow

The specification is open. Any provider that implements JWKS-published keys and signed attestations (ES256 or EdDSA) can submit their dimension for verification and inclusion. The architecture does not cap at ten. It caps at however many meaningful dimensions of wallet trust exist. Working code examples are in the insumer-examples repository.

The envelope expands the way good specifications do. Compliance risk screening shipped via Revettr as the ninth specialized dimension alongside the InsumerAPI foundation. Wallet intelligence shipped via RNWY as the tenth dimension from the same issuer that already contributes behavioral trust — same JWKS endpoint, different signing key, different signal. When a new dimension ships, existing integrations automatically receive it in their responses. No code changes. No version bumps. More specialists, more signed attestations, a more complete picture.

This extensibility is the difference between a product and a specification. A product locks you into one vendor's view of trust. A specification lets the ecosystem define trust dimensions as they emerge. Six months ago, reasoning integrity was not a dimension anyone was evaluating. ThoughtProof built it, proved it, and plugged into SkyeProfile. The next dimension no one is thinking about yet will follow the same path.

The Foundation: InsumerAPI

InsumerAPI is not just one of the ten dimensions. It is the layer that makes the other nine meaningful. Without a verified view of wallet state, behavioral trust has no context. A sybil score means nothing if you do not know what the wallet holds. Identity verification has no anchor. Who controls this wallet matters only if the wallet controls real value. Governance has nothing to attach to. A delegation chain is academic if there are no assets at the end of it. Wallet intelligence, security posture, reasoning integrity, job performance, settlement history, compliance risk: each one is stronger, more actionable, and more trustworthy because InsumerAPI establishes ground truth first. Cryptographically signed. Cross-chain. Independently verifiable.

Without InsumerAPI, you can compose signals. With it, you can trust them.

InsumerAPI reads blockchain state across thirty-three chains, evaluates conditions, and signs the result. This primitive, the signed boolean, is the irreducible building block. SkyeProfile composes that building block with nine other signed attestations into something greater than the sum of its parts. But the composition only works because the base layer is cryptographically verified. Remove it, and the other nine dimensions are opinions. Keep it, and they are evidence.

Pre-Transaction Trust

This is the category: pre-transaction trust. Before any cash moves between autonomous systems, a SkyeProfile answers whether the wallet on the other side has the history to be trusted with it. It is capital protection infrastructure — a pre-execution signal stack that stands between programmable money and programmable loss. The verb form is literal: run a SkyeProfile on it.

You are about to send $10,000 to an agent wallet. Run SkyeProfile. Settlement history says it has delivered on twelve of twelve previous jobs. Behavioral trust confirms it is not a sybil. Wallet intelligence shows the operator is well-established. Compliance risk comes back clean against OFAC and EU sanctions lists. Security posture passes. Reasoning integrity passes. You proceed. That entire check took one API call and returned ten signed attestations you can verify offline. Without it, you are trusting a wallet address.

Every transaction should start with a trust check. Before an agent pays another agent. Before a protocol grants API access. Before a marketplace accepts a new seller. Before a governance system weights a vote. The question is always the same: should this wallet be trusted for this action?

SkyeProfile is that check. Nine specialists, ten signed dimensions, one call, complete wallet trust. Not a score. Not a label. Not a black box. Ten independently signed, cryptographically verifiable attestations from nine specialized providers who do nothing but evaluate their dimension of trust. This is condition-based access at its fullest: the wallet either meets the conditions or it does not, and every answer is signed.

The general contractor model works because no single expert knows everything, but together they cover every dimension that matters. SkyeProfile works the same way. And like any well-built house, it is designed so you can add rooms as the needs grow.