InsumerAPI Press Kit | The Insumer Model™: Logos, Facts & Boilerplate

Working With Us

For Reporters and Producers

Questions go to press@insumermodel.com. Douglas Borthwick answers in writing, usually the same day, and anything he writes is on the record.

How we work

Send the question to press@insumermodel.com. You get a written answer you can quote, with a link to the primary source behind every factual claim. No call is needed to get an answer, and we state our commercial interest in every exchange: we run the API that this subject touches.

Working on deadline? Say so in the subject line.

What Douglas can speak to

Topics

Thirty years in global markets, a decade of it at Morgan Stanley, and a seat on the team that ran the first SEC-registered IPO on the blockchain.

Tokenized securities and SEC rulemaking AI agents that pay and must prove they qualify Why an AI agent cannot hold a secret Signatures that last as long as the record Standards work: IETF, Ethereum, agent protocols Recognizing what a customer holds at checkout

For podcast producers

Guest

Spoken intro: Douglas Borthwick is the founder of The Insumer Model and the author of Secrets and Agents, a book about why AI agents cannot hold secrets and how they prove things instead. He spent a decade at Morgan Stanley, ran Strategic Trading on the FX desk at Merrill Lynch, and helped run the first SEC-registered IPO on the blockchain.

Three episode angles:

Your AI agent will need a wallet, and it will never be trusted with a password.
Tokenized stock venues are checking eligibility on the wrong day.
A record that must be kept for five years needs a signature that holds for five years.

Headshot (800 px) The book Book him

Company overview

PDF

Fifteen slides on what the company does: the problem, what InsumerAPI returns, who uses it, the standards work and the regulatory record. It describes the company; it is not an investor pitch. Dated October 2026.

View the overview (PDF, 1.4 MB) Download

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

At Scale

Tokenized Securities

Roughly $15 billion in tokenized US Treasuries across 80+ funds, run by the largest asset managers.

BlackRock BUIDL Circle USYC Franklin Templeton

Live Now

Tokenized Equities

2,000+ US stocks and ETFs trade as tokens in Europe; Nasdaq and NYSE rules now let tokenized shares trade on-exchange under DTC’s tokenization pilot.

Robinhood stock tokens Kraken xStocks

The Opportunity

Condition-Based Access Infrastructure

Developers and AI agents can check membership in any of these communities without accepting crypto as payment.

REST API Wallet Auth (JWT) MCP, LangChain & more

Market Data

Communities By the Numbers

The communities developers and AI agents can now recognize.

💰 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

What developers and AI agents build with, and where in-person recognition lives.

⚡ InsumerAPI

The programmatic interface for The Insumer Model™, used by developers, AI agents, and platforms. 46-endpoint REST API for on-chain verification. Boolean attestations signed with ECDSA and a post-quantum signature at $0.04 per call across 37 blockchains. Free tier: 10 free verifications plus 100 requests a day.

🤖 AI Agent SDKs

Five integration paths for autonomous agents: MCP server (27 tools, npm), LangChain toolkit (PyPI), ElizaOS plugin (10 actions, npm), LlamaIndex tool spec (PyPI), and OpenAI GPT action schema. Discover, authenticate, and verify without human intervention.

🏪 In person, via Skye Meta

Point-of-sale scanning, NFC tap and member passes for stores, clubs and communities are built by Skye Meta on InsumerAPI. See skyemeta.com.

🔐 Cryptographic Trust

ECDSA P-256 signatures on every attestation, with an ML-DSA-65 post-quantum signature beside each one. 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 30 of the 32 core endpoints showing how verification, commerce, and onboarding APIs connect across 19 reference patterns. Per-call credit costs, hub nodes, and the zero-cost discovery loop visualized at /workbench/.

Deployed

In Production

AsterPay, a non-custodial payments orchestrator settling through licensed EU partners, runs live agentic-commerce flows on InsumerAPI.

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 AsterPay's KYA trust score, which returns the signed attestation to the caller. 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 attestation verification before granting AI agent access. Mechanism-agnostic: works with on-chain tokens, Verifiable Credentials, OIDC, or SPIFFE.

RFC on GitHub Blog Post

Primary Sources

On the Public Record

Letters and drafts filed under our name, each linked to the copy the regulator or standards body published. Filing a comment means it was received. It does not mean anyone agreed.

SEC, File No. S7-2026-27

Sept 25, 2026

Comment on proposed Regulation Crypto Assets. Asks the Commission to confirm that an issuer may rely on a professional's confirmation of accredited status, including one tied to the purchaser's wallet and checked at the time of sale.

The letter on sec.gov All comments on the file

SEC Crypto Task Force, written input

Sept 25, 2026

What a relying party's record should show when it accepts a proof in place of collected data: made when eligibility matters, limited to the decision, and verifiable for as long as it must be kept.

The memo on sec.gov All written input

SEC, File No. 4-927

Sept 17, 2026

Comment on the Tokenized Securities Venue exemption. Proposes that a venue's access check be made when access is used and leave a signed, independently verifiable record.

The letter on sec.gov All comments on the file

CFTC Innovation Task Force

Sept 25, 2026

Submission on eligibility checks for agentic finance. The CFTC has not yet published the submissions it received, so this link is our own copy of what was sent.

Our copy (PDF) Why we filed

IETF Internet-Drafts

May to Sept 2026

Wallet state attestation (revision -01, September 2026) and a joint environment-state draft with an independent implementer (revision -02, August 2026). Drafts, not standards: the IETF has adopted neither.

Wallet state attestation Environment state

NIST NCCoE, AI agent identity

March 12, 2026

Comments on the concept paper for the Software and AI Agent Identity and Authorization project. NIST has not published the comments it received, so the link is our own account of the submission.

Our account All standards work

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 a boolean signed with ECDSA and a post-quantum ML-DSA-65 signature. No balances exposed. No wallet approvals. No crypto payments.

Two audiences use the API directly: developers integrate attestation into any app via a 46-endpoint REST API, and AI agents discover, authenticate, and verify autonomously through five SDKs: MCP, LangChain, ElizaOS, LlamaIndex, and OpenAI GPT. Stores, clubs and communities use it through Skye Meta, which builds the in-person and storefront tools on InsumerAPI.

⚡ 46 API endpoints, attestations signed with ECDSA and a post-quantum signature, wallet trust profiles
🔗 37 blockchains including Ethereum, Bitcoin, Solana, XRP Ledger, Base, Arbitrum
🤖 5 AI agent SDKs: MCP, LangChain, ElizaOS, LlamaIndex, OpenAI GPT
🔒 Privacy-preserving: boolean only, never balance
🏪 Free tier: 10 free verifications plus 100 requests a day

Douglas Borthwick

Founder

Douglas is the founder of The Insumer Model™ and author of three books in The Insumer Revolution series: "The Insumer Model," "Your Equity in Your Pocket," and "Secrets and Agents." With 30+ years of Wall Street experience, including a decade at Morgan Stanley and executing the first SEC-registered blockchain IPO, he designed the ownership economy infrastructure powering ten connected applications across 37 blockchains.

Headshot X LinkedIn TokenCapStack

Brand Assets

Official logos and marks for press use.

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Square icon for app icons and avatars

Icon on Light

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For marketing materials

Brand Colors

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Gold

#d4a853

White

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Brand Typography

The Insumer Model

DM Sans 700

Brand name, navigation, footer, UI elements

font-weight: 700; font-size: 1rem;

On-Chain Attestation

Instrument Serif 400

Page headings and section titles

font-weight: 400;

Body text and descriptions use DM Sans at regular weight for readability.

DM Sans 400

Body copy, descriptions, metadata

font-weight: 400; line-height: 1.7;

Quotable

Approved Quotes

Pre-approved statements from Douglas Borthwick for press coverage.

📖

"I wrote three 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, two signatures. That's the entire verification model. Does this wallet hold this token? Yes or no, signed with ECDSA and again with a post-quantum ML-DSA-65 signature, so the answer still verifies after the classical algorithm is retired. 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. Five SDKs (MCP, LangChain, ElizaOS, LlamaIndex, 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, and tomorrow is close: tokenized stocks are already live in Europe and tokenized Treasuries hold $15 billion. We're building the infrastructure now."

On the Future

🔐

"Every attestation carries two signatures over the same answer: ECDSA P-256 and a post-quantum ML-DSA-65 signature. Both public keys are published via JWKS, and the binding between them is anchored on Base. Anyone can check offline that a response came from us, unaltered, today and after the classical algorithm is retired. Add optional Merkle storage proofs and you get trustless on-chain validation with zero intermediaries."

On Cryptographic Trust

📄

"A record's signature should stay secure for as long as the rules require the record to be kept. That is why every answer we sign carries a post-quantum signature beside the classical one."

On Records That Outlive Their Signatures

⚖

"In every letter, the firm relying on the check sets the criteria and makes the decision."

On Who Decides

🚫

"We're not an oracle. We're not a bridge. We don't have a token. We return signed booleans, classical and post-quantum signatures on every one. 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 booleans signed with ECDSA and a post-quantum ML-DSA-65 signature, confirming token ownership across 37 blockchains and NFT ownership across 33. No balances exposed.

30-Second Version ~60 words

The Insumer Model™ builds InsumerAPI, condition-based access for developers and AI agents. Developers integrate attestation and wallet trust profiles into any application through a 46-endpoint REST API. AI agents discover, authenticate, and verify autonomously using five SDKs: MCP, LangChain, ElizaOS, LlamaIndex, and OpenAI GPT. Stores, clubs and communities use it through Skye Meta, which builds the in-person and storefront tools on InsumerAPI. Every attestation carries an ECDSA signature and a post-quantum ML-DSA-65 signature. No balances exposed. No crypto payments required.

60-Second Version ~130 words

The Insumer Model™ builds InsumerAPI, condition-based access infrastructure that answers one question: does this wallet hold this asset? The answer is a boolean signed with ECDSA P-256 and a post-quantum ML-DSA-65 signature, with both public keys published via JWKS for independent verification. InsumerAPI provides 46 endpoints across 37 blockchains including Ethereum, Bitcoin, Solana, XRP Ledger, Base, Arbitrum, Polygon, Tron, Stellar, Sui, XDC, and 26 more. Stores, clubs and communities use it through Skye Meta, which builds point-of-sale, storefront and membership tools on InsumerAPI. 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 five SDKs: an MCP server with 27 tools, a LangChain toolkit, an ElizaOS plugin with 10 actions, a LlamaIndex tool spec, 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, with a balance returned only when the caller asks for a Merkle proof. With more than $35 billion already tokenized and projections running from $2 trillion (McKinsey, 2030) to $30 trillion (Standard Chartered, 2034), this infrastructure connects on-chain ownership to real-world recognition.

For Reporters and Producers

How we work

What Douglas can speak to

For podcast producers

Company overview

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

Condition-Based Access Infrastructure

Communities By the Numbers

💰 Community Tokens

🎨 NFT Collections

The Platform

⚡ InsumerAPI

🤖 AI Agent SDKs

🏪 In person, via Skye Meta

🔐 Cryptographic Trust

🛒 Commerce Protocols

🌐 API Topology

In Production

AsterPay KYA

KCP RFC-0004

On the Public Record

SEC, File No. S7-2026-27

SEC Crypto Task Force, written input

SEC, File No. 4-927

CFTC Innovation Task Force

IETF Internet-Drafts

NIST NCCoE, AI agent identity

About The Insumer Model™

Douglas Borthwick

Brand Assets

Icon Mark

Icon on Light

Icon on Gradient

Brand Colors

Navy Dark

Gold

White

Gray

Brand Typography

DM Sans 700

Instrument Serif 400

DM Sans 400

Approved Quotes

Boilerplate Text

10-Second Version ~25 words

30-Second Version ~60 words

60-Second Version ~130 words

Media Contact

Email

X

LinkedIn

Telegram

Developer Resources

Developer Hub

API Reference

API Topology

OpenAPI Spec

llms.txt

MCP Server

LangChain SDK

ElizaOS Plugin

LlamaIndex Tools

OpenAI GPT

Claude Code Skill

KCP RFC-0004

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