> InsumerAPI reads wallet state, evaluates your condition and signs a yes or no anyone can verify independently. 37 chains, no balances exposed. > > Page: https://insumermodel.com/how-it-works/ · API: https://api.insumermodel.com · OpenAPI: https://insumermodel.com/openapi.json · Index for agents: https://insumermodel.com/llms.txt # Blockchain state → signed attestation. Send a wallet address and one or more conditions. InsumerAPI reads the wallet state, evaluates the conditions (a single rule or a composite of tokens, NFTs, on-chain attestations, identity, agent standing), and emits a cryptographically signed yes or no. No balances exposed. No blockchain code required. One condition check for commerce, compliance, access, and AI agent trust. [Get a Free API Key](https://insumermodel.com/developers/) [Read the API Docs](https://insumermodel.com/developers/api-reference/) Wallet Address Signed Attestation ## Four Steps. One System. Every use case follows the same pipeline: read wallet state, evaluate your conditions, sign the result, and keep the signed record. Condition-based access, four steps. ### Read Read wallet state across 37 chains: tokens everywhere, NFTs on 33, attestations on 5, agent standing on Base ### Evaluate Evaluate your conditions against that state, up to ten per call, on any mix of chains ### Sign Sign every attestation and trust profile twice, with ECDSA and a post-quantum ML-DSA-65 signature. Check both yourself against our public keys ### Keep Good for access for up to 30 minutes, good as evidence for as long as you hold it ## Truth. Decision. Enforcement. Two endpoints, one primitive, and Skye Meta’s SkyeSkiff (formerly AgentTalk) built on top. Each layer builds on the one before it. Together they form a system that doesn't just verify. It enforces continuously. ### Truth **InsumerAPI** reads blockchain state and returns signed booleans. The foundation: does this wallet meet these conditions, yes or no? `POST /v1/attest` ### Decision **InsumerAPI** runs up to 176 checks across 14 dimensions and returns a signed trust profile: facts about the wallet at a given block, with no score and no opinion. Whether to transact is your call. `POST /v1/trust` ### Enforcement **Skye Meta’s SkyeSkiff** maintains conditions over time. Agents join by proving qualification and stay only while they still qualify. Enforcement that runs itself. [Self-revoking sessions →](https://skyemeta.com/skyeskiff/) One-time verification answers "does this wallet qualify right now?" Continuous enforcement answers "does it *still* qualify?", and acts on the answer automatically. ## A $35 Billion Market, Mostly Sitting Idle Tokenized real-world assets on public chains passed $35 billion in 2026, and analysts project $2 trillion by 2030 (McKinsey) to $30 trillion by 2034 (Standard Chartered). The number that matters more: over half of today's tokenized value shows no weekly transfer activity at all. Ownership is on-chain. Utility isn't. That's the gap a signed attestation closes. $35B+ Tokenized assets today $300B+ Stablecoins in circulation ~$15B Tokenized US Treasuries $2-30T Projected 2030-2034 #### Institutions Already Tokenizing ~$15B in tokenized US Treasuries across 80+ funds BlackRock Franklin Templeton Circle Ondo Finance Securitize Robinhood Kraken JPMorgan ## One Check for Any Onchain Condition One signed answer for any condition a wallet can meet, from a stablecoin balance to a tokenized share. Today ### Wallet Conditions for Developers and Agents A developer or an AI agent sends a wallet and a condition, such as a stablecoin balance, a Coinbase Verifications attestation, a Gitcoin Passport or an NFT, and gets back a signed yes or no. The calling service decides what to do with it. Stablecoin balances Coinbase Verifications Gitcoin Passport NFT ownership At Scale ### Tokenized Securities No longer emerging. It arrived. Tokenized US Treasuries alone hold roughly $15 billion across 80+ funds, and BlackRock, Circle, Ondo, and Franklin Templeton each run tokenized funds measured in billions. Tokenized private credit is larger still. Tokenized Treasuries (~$15B) Circle USYC ($2B+) BlackRock BUIDL ($2B+) Franklin Templeton BENJI Live Now ### Tokenized Equities No longer coming soon. Robinhood runs 2,000+ stock tokens in Europe, Kraken's xStocks passed $25 billion in volume in under eight months, and Nasdaq and NYSE rules now let tokenized shares trade on-exchange under DTC’s tokenization pilot. Apple exposure as a token is real, verifiable via one API call. Every holder becomes a potential Insumer. Robinhood (2,000+ stock tokens) Kraken xStocks ($25B volume) NYSE & Nasdaq pilots Securitize (tokenized equity, NYSE-listed) ## How Verification Works For the technically curious: here's what happens when InsumerAPI processes a verification request. ### 🔒 Security & Cryptography ##### Independently Verifiable Every result is cryptographically signed. Don't trust our server. Verify every response yourself using our public key at `/.well-known/jwks.json` or the `insumer-verify` package, on npm or PyPI. ##### JWT Bearer Tokens Pass `format: "jwt"` on POST /v1/attest and receive a standard ES256-signed JWT, verifiable by Kong, Nginx, Cloudflare Access, AWS API Gateway, or any JWT library. A post-quantum sibling, `pqJwt`, comes beside it; checking that one takes an ML-DSA-65 verifier, which binds it to the `jwt` by the whole claim set. ##### Boolean, Not Balance Your system asks "does this wallet hold ≥100 USDC?" and gets **yes** or **no**, never the actual amount. Critical for privacy, compliance, and agent trust. This also means [proofs with nothing to harvest](https://insumermodel.com/blog/quantum-breaks-static-credentials-wallet-auth.html). ##### No PII Storage We don't collect personal information. Wallet addresses you verify are not stored. Read-only access only. We never request transaction signing or token approvals. ### ⚙ Architecture & Integration ##### Live Chain State Token balances across 37 chains, NFT ownership across 33, evaluated against current chain state. A read that does not complete is refused with an error, never signed. ##### 32 Core Endpoints REST API with 46 operations across 42 paths. Flagship: POST /v1/attest (conditions), POST /v1/trust (wallet trust profile), POST /v1/trust/batch (bulk). ##### Agent SDKs & Framework Adapters Agent SDKs: [MCP](https://www.npmjs.com/package/mcp-server-insumer), [LangChain](https://pypi.org/project/langchain-insumer/), [ChatGPT plugin](https://chatgpt.com/plugins/plugin_asdk_app_6ac02f0983b0819189bdf9074149a9bb), [ElizaOS](https://www.npmjs.com/package/@insumermodel/plugin-eliza), [LlamaIndex](https://pypi.org/project/llama-index-tools-insumer/). Framework adapters that package the wallet auth primitive into host-shaped surfaces: [WDK protocol module](https://www.npmjs.com/package/@insumermodel/wdk-protocol-wallet-auth) (Tether’s Wallet Development Kit), [mppx condition-gate](https://www.npmjs.com/package/@insumermodel/mppx-condition-gate) (Machine Payments Protocol routes). ##### Self-Serve API Keys Free tier: 10 free verifications plus 100 requests a day, no credit card. Pro and Enterprise tiers for higher volume. [See pricing](https://insumermodel.com/pricing/) or get a key instantly at [developers/account](https://insumermodel.com/developers/account/). ## 37 Blockchains. One System. 31 EVM chains plus Solana, XRP Ledger, Bitcoin, Tron, Stellar, and Sui. Tokens, NFTs, trust line assets, and on-chain identity records. One API call covers all of them. Ethereum Solana XRP Ledger Polygon Arbitrum Base BNB Chain Avalanche Optimism Sonic zkSync Era Linea Gnosis Mantle Celo more Any Token Contract Any NFT Collection 100% Read-Only ## Common Questions ### Is this a payment system? No. The Insumer Model™ is read-only condition-based access infrastructure. It reads blockchain state and returns signed attestations. It never moves funds, processes payments, or interacts with wallets. ### How fast is the verification? API responses typically return in 1–3 seconds, even when checking multiple conditions across multiple chains. ### What tokens and NFTs can be verified? Token balances: any ERC-20 (31 EVM chains), SPL token (Solana), XRPL trust line token, native Bitcoin, TRC-20 token (Tron), Stellar trustline asset, or Sui-native token, across 37 supported chains total. NFT collections: supported on EVM, Solana, and XRPL. You specify the contract address and chain ID in your API call, and the system verifies against live on-chain state. ### What does it cost? Free tier: 10 free verifications plus 100 requests a day, no credit card required. Pro and Enterprise tiers for higher volume, with volume discounts up to 50%. [See full pricing →](https://insumermodel.com/pricing/) ### What does “boolean, not balance” mean? The API returns true or false: whether a wallet meets a condition or not. It never exposes actual token balances, NFT inventories, or transaction history. This is privacy by design at the protocol level. ### I'm a Developer Get a free API key. 32 core endpoints, signed and independently verifiable. No blockchain code required. [View API Docs](https://insumermodel.com/developers/) ### I'm a Business Recognize members and token holders at the counter or online. Skye Meta runs it for stores, clubs and communities, on InsumerAPI. [Go to Skye Meta](https://skyemeta.com/recognition/) [Try the live demo](https://insumermodel.com/demos/xrpl/) • [For businesses: Skye Meta ↗](https://skyemeta.com/recognition/) Wallet auth is in active standards work across UCP, A2A, Ethereum ERCs, and the IETF. [See the standards page](https://insumermodel.com/standards/).