/ \      |_ _|    / _ \    |  _ \ 
     / _ \      | |    | | | |   | |_) |
    / ___ \     | |    | |_| |   |  _ < 
   /_/   \_\   |___|    \___/    |_| \_\

AI0R

Autonomous Financial Infrastructure for Robotics & Embodied AI

Non-Custodial Hardware-Linked Policy-Driven Regulated-by-Proxy

Financial Orchestration for Robotics

AI0R is a non-custodial, policy-driven financial orchestration layer designed for autonomous robotics and embodied AI systems.

Financial Brain for Robots

Enabling physical agents to engage in real-world commerce like procurement, charging, and maintenance while keeping capital in licensed institutions.

Policy & Control Plane

A governance layer that defines exactly how a robot can spend, governed by real-world context like location and merchant category.

Identity & Routing

Linking physical robots via secure hardware identity to legal principals, with modular bridges to licensed financial providers.

Core Design Principles

1

Non-Custodial by Design

AI0R never takes possession of funds. It only routes validated instructions to licensed partners, ensuring assets remain with regulated institutions.

2

Hardware-Linked Identity

Financial authorization is tied to a robot’s unique hardware signature (Secure Element, NFC, serial number), mapping machines to legally authorized principals.

3

Contextual Spending Policies

Spending is governed by real-world context such as GPS location, merchant category, velocity, and time-of-day constraints.

4

Regulated-by-Proxy

AI0R leverages the licenses of established financial institutions for KYC/AML, custody, and settlement. We are pure software infrastructure.

High-Level Architecture

AI0R acts as the logic layer between robots and regulated banks.

Embodied AI (Robot)
   |
   |  (NFC Tap / API Instruction + Policy)
   v
AI0R Control Plane (The "Logic")
   |
   |  (Policy Verification & Routing)
   v
Licensed Financial Providers (The "Bank")
   |
   |  (Custody, Card Issuance, Settlement)
   v
Physical or Digital Merchant

AI0R never touches funds. All regulated activity is performed by licensed third-party providers.

Core Modules

AI0R Identity

Cryptographic identity for physical machines with hardware-bound authorization (serial number, secure element, NFC).

AI0R Policy

Programmable spending limits, merchant whitelisting, and velocity controls for autonomous procurement.

AI0R Rail

Adapters to licensed BaaS and card-issuing partners, enabling tap-to-pay and digital checkout flows.

AI0R Ledger

Off-balance-sheet, non-custodial activity records for complete observability and audit-grade recordkeeping.

Compliance & Safety

AI0R is software infrastructure. We rely on licensed partners for all regulated activities.

No Custody

AI0R never holds funds. All assets remain within licensed banking institutions at all times.

No Transmission

We do not move money. AI0R only routes validated instructions to licensed money transmitters.

Licensed Execution

KYC/AML, sanctions screening, and regulatory settlement are handled exclusively by licensed third-party providers.

Identity Mapping

Every robot is cryptographically linked to a legal principal (human or LLC) for clear liability and attribution.

Powering the Robotic Economy

AI0R is infrastructure under active development by 402T Labs.

Contact Us