InsumerAPI checks conditions on a wallet at a moment in time, before the transaction, and returns a signed yes or no. Your institution sets the conditions and decides what to do with the result. One request can check up to ten conditions across 37 chains, and the result records the conditions evaluated and a chain anchor for each answer. InsumerAPI reads blockchain state. It does not custody, transfer or control your assets.
A record that can be checked again later, by someone who was not in the room, is worth more than one that has to be taken on trust.
Ask whether a wallet holds at least a stated amount, owns an NFT or meets a supported attestation condition. Standard responses return the yes or no, not the wallet's balance.
Proof mode is the explicit exception. Request a Merkle proof for a balance check and the response includes the raw on-chain value so it can be independently verified. An account proof can also disclose account fields, including balance. Choose the evidence your process needs before you share the result.
Every attestation and trust profile is signed twice: ES256 and a post-quantum ML-DSA-65 signature. The public keys are published as a JWKS, and the binding between the classical and post-quantum keys is anchored on Base.
Your system can verify a saved response offline against saved public keys. Ask for JWT format and standard JWT libraries verify the ES256 signature. The published insumer-verify packages verify both signatures, the ML-DSA-65 one included, in JavaScript and Python.
Optional EIP-1186 Merkle proofs, on 27 of 31 EVM chains, let a verifier check the value behind an answer against a block's state root, using a block header from a node it trusts. Proofs are not available for every chain or condition, so check availability rather than assume every result carries one.
Public signing keys are served at https://api.insumermodel.com/v1/jwks and https://insumermodel.com/.well-known/jwks.json. Match the response's kid or pqKid to the published key. An unknown key identifier is unverifiable, not a failed condition.
Rotated public keys stay published under their original identifiers, so saved results remain verifiable. Keep the signed response and the keys needed to check it. InsumerAPI cannot reproduce your signed record later.
Public signing keys • Signed test vectors to verify offline • API specification • Verification reference
A signed result is InsumerAPI's statement that it read chain state and evaluated the stated conditions. Without a Merkle proof, the result is as reliable as InsumerAPI, its upstream data sources and its signing keys. With an available proof, the proven value can be checked against chain state.
Running a Tokenized Securities Venue? The trading venues page walks through the check per trade under the SEC's exemption.
The Insumer Model has submitted written comments to the SEC, the CFTC and NIST on point-in-time checks and on records that stay verifiable. The record includes:
A submission is not regulatory approval or endorsement. An Internet-Draft is not an adopted standard.
Read the submissions and standards record • Wallet state draft • Environment state draft
AsterPay's Know Your Agent trust score for ERC-8183 agentic commerce calls POST /v1/attest and returns InsumerAPI's signed attestation to its caller in a dedicated insumerAttestation field. At launch in March 2026 the call checked four conditions at once: USDC balance, Coinbase KYC, country verification and Gitcoin Passport.
Revettr uses POST /v1/trust for cross-chain enrichment in its counterparty risk scoring API. On paid requests, trust profile dimensions surface at signal_scores.wallet.details.insumer_trust; Revettr's free tier skips the enrichment. Revettr scores wallets, domains, IPs and company names for x402 agent commerce.
American Banker quoted Douglas Borthwick in Penny Crosman's November 2, 2026 report on Wells Fargo's updated online agreement and on evidence that a customer has revoked an AI agent's authority.
Volume pricing and custom terms are available on request. Write to support@insumermodel.com with your use case and expected volume.
Self-serve pricing stays available. A standard attestation costs one prepaid credit, from $0.04 per call down to $0.02 at volume. Pay per call over x402 and an attestation is $0.05, or $0.10 with a Merkle proof. Trust profiles and other operations have their own published costs.
The Insumer Model LLC makes InsumerAPI and is based in New Canaan, Connecticut. Douglas Borthwick is founder and CEO, with thirty years in markets, including trading roles at Morgan Stanley, Merrill Lynch and Standard Chartered. He is the author of six books across The Digital Money Revolution and The Insumer Revolution series, the latest being Secrets and Agents.