Please read these terms carefully before using The Insumer Model™ platform.
By accessing or using The Insumer Model™ website, applications, and services (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform.
We reserve the right to modify these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the modified Terms.
The Insumer Model™ provides InsumerAPI, an API for developers and AI agents. InsumerAPI is wallet auth for condition-based access: it reads wallet state, evaluates conditions, and returns a signed result. The Platform includes:
/.well-known/jwks.json.https://api.insumermodel.com/mcp and pre-built integrations (MCP server, LangChain toolkit, LlamaIndex tools, ElizaOS plugin, OpenAI GPT) that allow AI agents to use the Platform programmatically.Merchant, store and community screens. The merchant dashboard, Skye Meta’s in-person scanner, Bothy membership passes and the browser extension used by stores, clubs and communities are provided by Skye Meta Corp, a separate company, under Skye Meta’s own terms. These Terms do not cover those tools.
The Platform reads publicly available blockchain data to verify on-chain state but does not custody, transfer, or control any cryptocurrency or tokens.
You must be at least 18 years old and capable of forming a binding contract to use the Platform. By using the Platform, you represent and warrant that you meet these requirements.
To access certain features, you must connect a compatible cryptocurrency wallet. You are solely responsible for:
Businesses that create a store through the merchant API agree to:
Developers who register for an InsumerAPI key agree to:
By generating an API key, purchasing credits, or submitting a per-call payment, you confirm that you have read and agree to these Terms. Free tier accounts are limited to one key per email address. Paid tiers require an active Stripe subscription. Keys may be revoked for violations of these Terms.
You agree NOT to:
The InsumerAPI is available on three subscription tiers, each tied to an API key:
Verification credits are consumed by POST requests: POST /v1/attest costs 1 credit (2 with Merkle proofs), POST /v1/trust costs 3 credits (6 with Merkle proofs), and POST /v1/trust/batch costs 3 credits per wallet (6 with Merkle proofs). GET requests are free and count against daily read limits. At a store created through the merchant API, each discount code or NFC tap that carries a discount, and each in-store scan, uses 1 credit from the API key that owns the store; a code or tap with a 0% result is free, and a store has no credit balance of its own. Additional credits may be purchased with USDC, USDT, or BTC.
A subscription is not the only way to reach the API. Selected endpoints also accept per-call payment with no API key, no account and no credit balance — see Pay-Per-Call (x402) below. Prepaid credits remain cheaper at volume; per-call payment is the zero-setup path.
Each tier has daily request limits. When you exceed your limit, the API returns a 429 response. Rate limit headers are included in every response so you can monitor your usage.
Paid tiers are billed monthly through Stripe. Verification credits are replenished each billing cycle (Pro: 1,000, Enterprise: 5,000) and unused credits roll over to the next month. Monthly subscription fees are non-refundable, including if you cancel mid-cycle. You may cancel at any time to prevent future charges, but no prorated refund is issued for the remaining period. When a subscription ends, the associated API key is revoked and returns a 401 response. Unused verification credits do not expire while your key is active but are forfeited upon key revocation.
Pro and Enterprise subscriptions renew automatically every month, at the price shown when you subscribed ($29 per month for Pro, $99 per month for Enterprise), and your payment method on file is charged at the start of each billing period until you cancel. You can cancel online at any time: open your account page, enter your API key and choose Manage Billing. Cancellation takes effect at the end of the current billing period, and no further charges are made after it. Fees already paid are not refunded, in whole or in part, including for the rest of the period in which you cancel. Your API key works until the subscription ends and is then revoked as described above.
We may adjust subscription pricing with at least 30 days' written notice (via email to the address on file). Continued use of a paid tier after the new pricing takes effect constitutes acceptance. If you do not agree to the new pricing, you may cancel before the next billing cycle.
Additional credits may be purchased on-chain by sending USDC, USDT, or BTC to the platform wallet and submitting the transaction hash via POST /v1/credits/buy. Each asset is accepted only on the networks listed below:
Volume discounts apply to larger deposits. Crypto sent on a network not listed above for that asset, or to the wrong address, cannot be recovered. All crypto credit purchases are final, non-refundable, and non-transferable.
Your first crypto credit purchase registers the on-chain sender wallet address to your API key. Subsequent purchases must originate from the same wallet. To change your registered wallet, include updateWallet: true in the purchase request along with a verified transfer from the new address.
Selected endpoints accept per-call payment under the x402 protocol, with no API key and no account required. Payment is made in USDC on Base, Polygon, Arbitrum, Arc, or Solana. Per-call prices are $0.05 for POST /v1/attest ($0.10 with Merkle proofs), $0.15 for POST /v1/trust ($0.30 with Merkle proofs), and $0.15 per wallet for POST /v1/trust/batch ($0.30 with Merkle proofs).
x402 payments settle on-chain at the time of the call and are final, non-refundable, and non-transferable. The payer wallet is registered to an API identity on first payment, and subsequent payments are expected from that wallet. Because these calls are designed to be made by autonomous software without human review, no refund, chargeback, or dispute process is available for them.
API verification responses are signed with ECDSA P-256, carry a post-quantum companion signature, and include a timestamp. Each response is a point-in-time check of the blockchain. There is no guarantee that conditions remain the same after a verification is issued.
When Merkle proofs are requested (proof="merkle"), the response includes raw on-chain data and EIP-1186 proofs that can be independently verified against public block headers. The proof shape depends on what is being proven: an ERC-20 balance returns a storage proof of the balance slot, while a native-asset balance returns an account proof carrying that account's balance, nonce, and code hash. By requesting Merkle proofs, you acknowledge that raw on-chain data will be returned and that this is an explicit opt-in to disclosure for the queried wallet.
Merkle proofs are available on 27 of the 31 supported EVM chains and are not available on non-EVM networks. Where no proof can be delivered, for any reason, the proof premium is refunded and the request is billed at the standard rate.
AI agents may access the InsumerAPI either with a valid API key or, on selected endpoints, by per-call payment with no key and no account (see Pay-Per-Call (x402) above).
Where an agent operates under an API key, the account holder is responsible for all actions taken under that key, including merchants created, credits purchased, and verifications requested. Where an agent pays per call, there is no account holder: responsibility for the request and for the payment rests with the party controlling the paying wallet, and no refund or dispute process is available.
The Platform, including its design, text, graphics, logos, and software, is owned by The Insumer Model™ and protected by intellectual property laws. "The Insumer Model" is a trademark of Douglas Borthwick.
Certain technology underlying InsumerAPI — including the privacy-preserving evaluation of on-chain state against operator-defined conditions, and the return of cryptographically signed results without disclosing underlying balances — is the subject of a family of United States patent-pending applications, the earliest of which is Application No. 19/573,671, filed March 20, 2026.
Use of the Platform does not grant any license, express or implied, to any underlying intellectual property of The Insumer Model LLC beyond the right to access and use the API as described herein.
Copyright complaints. You must have the rights to anything you submit to the Platform, such as token and collection names, symbols, logos and image links in the token registry. We respond to notices of claimed copyright infringement under the Digital Millennium Copyright Act; see our Copyright and DMCA page for our designated agent and how to send a notice or counter-notice. We may remove material that is the subject of a valid notice, and in appropriate circumstances we will suspend or terminate the API keys and accounts of repeat infringers.
The Platform integrates with third-party services including blockchain networks, wallet providers, and data services. We are not responsible for:
The Platform uses third-party services including Stripe for subscription payment processing, independent upstream data providers for blockchain data queries, Firebase for real-time data synchronization, Anthropic for AI-powered chat responses, CoinGecko for token metadata, Cloudflare for DNS and security, and Google Analytics for website traffic analysis (only if you agree to analytics cookies). Your use of third-party services is subject to their respective terms and policies.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
We do not warrant that:
Not Financial Advice: Nothing on the Platform constitutes financial, investment, legal, or tax advice. Token ownership and cryptocurrency involve substantial risk. Consult qualified professionals before making financial decisions.
No Guarantee of Discounts: Discount availability depends on merchant participation and configuration. We do not guarantee any specific discounts or merchant acceptance.
API Accuracy: Verification responses reflect blockchain state at the time of the request. Results may be delayed by network congestion, upstream data source issues, or caching. We do not guarantee real-time accuracy of API responses.
No SLA: The Platform does not offer service level agreements (SLAs) unless separately agreed to in writing. Uptime, response time, and availability targets referenced in documentation or marketing materials are goals, not guarantees.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE INSUMER MODEL™, ITS CREATORS, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:
Some jurisdictions do not allow limitation of liability, so some of the above may not apply to you.
You agree to indemnify and hold harmless The Insumer Model™, its creators, affiliates, and service providers from any claims, damages, losses, or expenses (including legal fees) arising from:
We may suspend or terminate your access to the Platform at any time, with or without cause, and with or without notice. Upon termination:
You may stop using the Platform at any time by disconnecting your wallet.
For API users, termination means revocation of your API key. You may self-revoke by canceling your subscription. Once revoked, API keys cannot be reactivated. For callers paying per call rather than under a key, there is no key to revoke; we reserve the right to decline further requests from a payer wallet.
Any disputes arising from these Terms or the Platform shall be:
You waive any right to participate in class action lawsuits against The Insumer Model™.
For questions about these Terms, please contact us:
Last Updated: October 7, 2026