Press Kit | The Insumer Model™

The Core Concept

What Is an Insumer?

Insumer

(noun)

The emerging identity where investor and consumer merge into one.

For decades, investments lived on a page. A brokerage statement, a stock certificate, a cap table entry. Two dimensions of value: price appreciation and dividends. That was it. Blockchain changed this. When ownership moves on-chain, it escapes the page. It becomes portable, verifiable, actionable. Now there's a third dimension: real-world recognition and utility. You're not just an investor. You're not just a consumer. You're an Insumer, and your wallet proves it.

The Framework

The Three Dimensions of Ownership

1st

Price Appreciation

Asset increases in value over time

2nd

Dividends & Yield

Periodic distributions to holders

NEW

3rd

Real-World Utility

Recognition and benefits in physical commerce

The Narrative

The Story Arc

From community tokens to NYSE equities, the ownership economy is emerging.

Today

Community Tokens & NFTs

Passionate, loyal communities with tribal affiliations and real purchasing power.

SHIB PEPE Pudgy Penguins Bored Apes Azuki

Now Emerging

Tokenized Securities

Institutional players bringing traditional investment into digital wallets.

BlackRock BUIDL Franklin Templeton Galaxy Digital

Coming Soon

Tokenized Equities

NYSE and NASDAQ equities moving on-chain. Your entire portfolio in your wallet.

Apple shareholders Tesla owners

The Opportunity

Verification Infrastructure

Merchants, developers, and AI agents can verify any of these communities without accepting crypto as payment.

Stripe & Square Clover (coming soon) REST API Wallet Auth (JWT) MCP & LangChain

Market Data

Communities By the Numbers

The passionate communities merchants can now welcome and reward.

💰 Community Tokens

SHIB (Shiba Inu) 1.5M+ holders

PEPE 500K+ holders

FLOKI 400K+ holders

BONK 800K+ holders

🎨 NFT Collections

Pudgy Penguins 2M+ toys sold

Bored Ape Yacht Club $1B+ total sales

CryptoPunks $3.28B volume

Azuki 10K collection

Product Suite

The Platform

Ten products that together form end-to-end on-chain attestation for commerce.

⚡ InsumerAPI

The programmatic interface for The Insumer Model™ — used by developers, AI agents, and platforms. 26-endpoint REST API for on-chain verification. ECDSA-signed boolean attestations at $0.04 per call across 33 blockchains. Free tier with 100 attestations to start.

🤖 AI Agent SDKs

Three integration paths for autonomous agents: MCP server (26 tools, npm), LangChain toolkit (26 tools, PyPI), and OpenAI GPT action schema. Discover, authenticate, and verify without human intervention.

📱 InsumerPass

Customer-facing wallet app. Connect any wallet, generate a dynamic QR code, and present it at point of sale for instant verification. No crypto payments involved.

📷 InsumerScanner

Merchant verification app. Scan QR codes or read NFC tags to verify token and NFT ownership in real time. Camera-based with cryptographic signature validation.

⚙ InsumerDashboard

Merchant configuration portal. Choose which token communities to welcome, set discount tiers, manage API keys, and integrate with Stripe and Square.

🌐 InsumerExtension

Chrome extension for automatic online verification. Detects supported merchants and applies token-holder discounts during checkout without manual QR scanning.

📡 NFC Tap-to-Verify

Physical NFC tags at point of sale. Customers tap their phone, wallet opens automatically, and server-side verification completes the discount flow instantly.

🔐 Cryptographic Trust

ECDSA P-256 signatures on every attestation. JWKS key discovery at /.well-known/jwks.json for independent verification. Optional Merkle storage proofs for trustless on-chain validation.

🛒 Commerce Protocols

Native support for OpenAI/Stripe ACP and Google UCP agentic commerce protocols. AI agents request discount eligibility, receive coupon objects in protocol-native format, and apply them at checkout without custom integration.

🌐 API Topology

Interactive visual graph of all 26 endpoints showing how verification, commerce, and onboarding APIs connect across 17 reference patterns. Two credit pools, hub nodes, and the zero-cost discovery loop visualized at /workbench/.

Deployed

In Production

Live integrations using InsumerAPI in production environments.

DJD Agent Score

Working with

Cold-start identity signal for AI agent wallets in the Coinbase x402 ecosystem. InsumerAPI verifies balanceOf >= 0 on Base USDC via a single POST /v1/attest call, contributing 15 points to the Identity scoring dimension. Signatures are verified client-side with insumer-verify.

GitHub Case Study

AsterPay KYA

Live

Know Your Agent trust scoring for ERC-8183 agentic commerce. InsumerAPI evaluates 4 attestation conditions—USDC balance, Coinbase KYC, country verification, Gitcoin Passport—in a single POST /v1/attest call, feeding a 7-component trust score. JWT responses verified via ES256 + JWKS.

GitHub Case Study

KCP RFC-0004

Adopted

Contributed the attestation_url pattern to the Knowledge Context Protocol, enabling KCP manifests to require credential verification before granting AI agent access. Mechanism-agnostic: works with on-chain tokens, Verifiable Credentials, OIDC, or SPIFFE.

RFC on GitHub Blog Post

About The Insumer Model™

Blockchains made writing permanent. We make reading them verifiable. The Insumer Model answers one question for any token or NFT on any chain: does this wallet hold it? The answer comes back as an ECDSA-signed boolean. No balances exposed. No wallet approvals. No crypto payments.

Three audiences use the platform: merchants verify token holders at point of sale for automatic discounts, developers integrate attestation into any app via a 26-endpoint REST API, and AI agents discover, authenticate, and verify autonomously through MCP, LangChain, and GPT action schemas.

⚡ 26 API endpoints, ECDSA-signed attestations and wallet trust profiles
🔗 33 blockchains including Ethereum, Bitcoin, Solana, XRP Ledger, Base, Arbitrum
🤖 3 AI agent SDKs: MCP, LangChain, OpenAI GPT
🔒 Privacy-preserving: boolean only, never balance
💰 Works with Stripe & Square (Clover coming soon)
🏪 Free tier: 100 attestations to start

Douglas Borthwick

Founder

Douglas is the founder of The Insumer Model™ and author of two books: "The Insumer Model" and "Your Equity in Your Pocket." With 30+ years of Wall Street experience, he designed the ownership economy infrastructure powering six connected applications across 33 blockchains.

Twitter LinkedIn TokenCapStack

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Quotable

Approved Quotes

Pre-approved statements from Douglas Borthwick for press coverage.

📖

"I wrote two books describing a world where ownership unlocks real-world benefits. Then we built the infrastructure to make it happen."

On Why We Built It

🔮

"The Insumer Model unlocks the third dimension of ownership. Price appreciation is one. Dividends are two. Real-world utility from what you hold. That's the third dimension."

On the Third Dimension

⚡

"One endpoint, one boolean, one ECDSA signature. That's the entire verification model. Does this wallet hold this token? Yes or no. No balances exposed, no wallet approvals, no smart contract interactions. A REST API that any developer can call in five minutes."

On the Developer Platform

🤖

"AI agents can now autonomously discover our API, authenticate, verify token holdings, and onboard merchants without a human in the loop. MCP, LangChain, and GPT action schemas make that possible. The infrastructure doesn't care if the caller is a person or a machine."

On AI Agents

🔒

"We verify ownership without exposing what you own. The merchant sees your discount tier, not your wallet balance. Prove what you own. Keep what's yours private."

On Privacy

📈

"Today it's SHIB holders. Tomorrow it's Apple shareholders. Tokenized securities are projected to reach $16 trillion by 2030. We're building the infrastructure now."

On the Future

🔐

"Every attestation is signed with ECDSA P-256. The public key is published via JWKS. Anyone can independently verify a response without trusting us. Add optional Merkle storage proofs and you get trustless on-chain validation with zero intermediaries."

On Cryptographic Trust

🚫

"We're not an oracle. We're not a bridge. We don't have a token. We return signed booleans. Does this wallet hold this asset? That's it. The simplest possible answer to the simplest possible question, cryptographically signed and privacy-preserving by default."

On What We're Not

Boilerplate Text

Ready-to-use descriptions for articles and press releases.

10-Second Version ~25 words

Blockchains made writing permanent. The Insumer Model™ makes reading them verifiable. InsumerAPI returns ECDSA-signed booleans confirming token and NFT ownership across 33 blockchains. No balances exposed.

30-Second Version ~60 words

The Insumer Model™ provides on-chain attestation for commerce, serving three audiences. Merchants verify token holders at point of sale for automatic discounts via Stripe and Square. Developers integrate attestation and wallet trust profiles into any application through a 26-endpoint REST API. AI agents discover, authenticate, and verify autonomously using MCP, LangChain, and OpenAI GPT action schemas. Every response is ECDSA-signed. No balances exposed. No crypto payments required.

60-Second Version ~130 words

The Insumer Model™ is on-chain attestation for commerce and on-chain verification infrastructure that answers one question: does this wallet hold this asset? The answer is an ECDSA P-256 signed boolean, with the public key published via JWKS for independent verification. InsumerAPI provides 26 endpoints across 33 blockchains including Ethereum, Bitcoin, Solana, XRP Ledger, Base, Arbitrum, Polygon, and 26 more. Merchants use point-of-sale apps to verify token holders and apply automatic discounts through Stripe and Square, with Clover coming soon. Developers call a single REST endpoint for attestation at $0.04 per call, with compliance templates for Coinbase Verifications KYC. AI agents operate autonomously through three SDKs: an MCP server with 26 tools, a LangChain toolkit with 26 tools, and an OpenAI GPT action schema. Compatible with OpenAI/Stripe ACP and Google UCP for AI agent commerce flows. Optional Merkle storage proofs enable trustless validation. Privacy is the default: booleans only, never balances. With tokenized securities projected to reach $16 trillion by 2030, this infrastructure connects on-chain ownership to real-world recognition.

What Is an Insumer?

Insumer

The Three Dimensions of Ownership

Price Appreciation

Dividends & Yield

Real-World Utility

The Story Arc

Community Tokens & NFTs

Tokenized Securities

Tokenized Equities

Verification Infrastructure

Communities By the Numbers

💰 Community Tokens

🎨 NFT Collections

The Platform

⚡ InsumerAPI

🤖 AI Agent SDKs

📱 InsumerPass

📷 InsumerScanner

⚙ InsumerDashboard

🌐 InsumerExtension

📡 NFC Tap-to-Verify

🔐 Cryptographic Trust

🛒 Commerce Protocols

🌐 API Topology

In Production

DJD Agent Score

AsterPay KYA

KCP RFC-0004

About The Insumer Model™

Douglas Borthwick

Brand Assets

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Brand Colors

Navy Dark

Gold

White

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Brand Typography

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Approved Quotes

Boilerplate Text

10-Second Version ~25 words

30-Second Version ~60 words

60-Second Version ~130 words

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Developer Resources

Developer Hub

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API Topology

OpenAPI Spec

llms.txt

MCP Server

LangChain SDK

KCP RFC-0004

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