1. Executive Summary
As decentralized organizations (DAOs) and AI agents become dominant economic actors, the traditional banking stack is becoming obsolete. Protocol Bank introduces a programmable, cross-chain treasury management layer designed for the future of work. By abstracting chain-specific complexities and integrating standard accounting practices directly with on-chain events, Protocol Bank enables seamless financial operations for the next generation of digital enterprises.
2. The "x402" Protocol
Gasless Enterprise Settlements
Protocol Bank leverages the x402 Protocol (based on ERC-3009) to separate payment authorization from execution.
- Enables "CFO Approval" workflows where the approver doesn't need ETH/Gas.
- Allows AI Agents to propose payments securely via EIP-712 signatures.
- Facilitates recurring billing and subscriptions on-chain.
3. Market Analysis
Modern Web3 finance teams face a "fragmentation trilemma" that hinders adoption:
Chain Silos
Assets split across EVM, Solana, and Bitcoin layers.
Data Blindness
Explorers show hashes, not "Payroll" or "Vendor" context.
Manual Risk
Spreadsheets + Hardware wallets = High human error risk.
4. Product Architecture
Protocol Bank acts as a non-custodial overlay. We do not hold funds; we orchestrate them.
- Unified Batch Engine: Smart routing logic that bundles transactions to minimize gas fees and administrative time.
- Local-First Privacy: "Wallet Tags" and financial metadata are encrypted locally or via RLS policies, ensuring your supplier list remains your trade secret.
- Agent-Ready APIs: (Coming Soon) REST hooks that allow automated systems to check balances and request funding.