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Rules-and-receipts layer for AI agents that spend money: plain-English policy → human approval → signed receipts anyone can verify.

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AskGrokWallet — the 30-second product walkthrough

AskGrokWallet

The rules-and-receipts layer for AI agents that spend money.

Small things run · big things ask · everything leaves a receipt

MIT live onchain ERC-8196 20 contract tests, run locally receipt verifier 1.0.1 Runtime NYC 2026

Unaudited developer preview. The guarded end-to-end path runs on Ethereum Sepolia with mock assets; contracts are deployed on Base mainnet, and one real mainnet payment has been made from an agent's own MPC wallet (0.1 USDC, listed under "the agent's own wallet" below). That is a single payment on one rail, not a production settlement path. Do not use this project to protect production funds yet.

Giving an agent a wallet is easy. Giving it a wallet with rules is not.

agent request → policy (allow / ask / deny) → execute, or a human decides → signed receipt → anchored log

AskGrokWallet sits between the agent and the money. Three things are load-bearing, and each one is checkable from outside this repository:

  1. The policy is enforced, not suggested. In guarded mode the agent's funds live in a vault and an out-of-policy action reverts at the contract, before any value moves. The bound is a revert, not a setting.
  2. A human is in the loop for exactly the actions that need one. "Payments under $50 run, over $50 ask me" compiles to allow / ask / deny; only the ask cases reach the approval inbox.
  3. Every outcome leaves a receipt a stranger can verify — four lines from one dependency-free file: the signature over every field that matters (including where the money went), the receipt's fixed position in an append-only hash-chained log, and the log head anchored in a blockchain transaction. No account, no trust in us.

Watch it work (30s): walkthrough video · Try it: interactive demo · approval inbox · Live site: askgrokwallet.io


For Judges — Runtime NYC, 19 September 2026

What Where
Live product https://askgrokwallet.io
Submission demo, 2:53 (video) askgrokwallet.io/askgrokwallet-demo-runtime.mp4 — the product walkthrough plus the verification and outside-review segments
30-second demo (video) askgrokwallet.io/askgrokwallet-demo.mp4 · also committed at assets/askgrokwallet-demo.mp4
Interactive demo + approval inbox /demo · /approvals
Public receipt log (live JSON) https://askgrokwallet.io/api/receipts/chain
Receipt verifier — one file, zero dependencies release verify-receipt-v1.0.1 · sha256 32de3cad6f3bb23ae8415cd5afe5f54dd8167432a2473814e6ab4ec0b767317a · check the hash before you run the file: curl -sLO …/SHA256SUMS && shasum -a 256 -c SHA256SUMS
Check it yourself, in one command node spec/judge-check.mjs — asserts the verifier is the released bytes, verifies a real receipt against the live log, and reports the log's size and integrity
Write your own verifier, then check it spec/vectors/ — frozen canonical-bytes, hash and signature vectors, plus two implementations (Node and Python) that must reproduce the same bytes: node spec/vectors/run-vectors.mjs
Show an auditor everything, the public nothing spec/audit-bundle.md — receipts plus their log evidence, sealed to an auditor's key; node spec/verify-audit-bundle.mjs opens, verifies and reports, including what it cannot prove
Hand someone a package they can check themselves spec/make-verifiable-package.mjs — a folder for finance or a client: entries.csv, the receipts, the released verifier, SHA256SUMS, and a plain-language page saying what it proves and what it does not. node spec/verifiable-package.test.mjs builds one, verifies every receipt offline, tampers with a copy and asserts the verifier rejects it (20 assertions)
Onchain proof transactions and blocks · deployed contracts
Tests you can run in three minutes 20 contract tests · 13 verifier behaviour assertions · plugin package smoke test — see Local run
Track entered Bankr grand prize — agentic commerce / autonomous financial agents
Repository map below

Judging scorecard

Bankr judges in this order: Product, Founder-Market-Fit, Execution.

Criterion Our answer Open this to check
Product — useful, compelling, something people would want Agents already move money (Grok Bot, Cursor, scripts). The two things their operators cannot get today are a bound the agent cannot talk its way past and a record a third party will accept. This is both, in one loop: policy → human when needed → execution → receipt. 30s video · live demo · three modes
Founder-Market-Fit — disrupting something in the current stack The stack splits the problem: wallets (MetaMask Guard Mode, Coinbase CDP, Turnkey) hold funds; card rails (Stripe Link) approve per purchase; provider dashboards log what their own service did. None of them hands the operator an enforceable bound plus a receipt that survives being shown to someone who does not trust the operator. What makes this different
Execution — how much actually works Live product; contracts deployed on Base mainnet and exercised end-to-end on Sepolia with real transfers and anchored receipts; 20 contract tests; a versioned standalone verifier with an offline behaviour test; an outside reviewer broke that verifier, and the fix shipped as a pinned release with their repro kept as a test. Live proof · Outside review

Live proof — checked 2026-09-18

Every number and address below was read from the chain or from the live service on 2026-09-18. Open the explorers and check them.

Guarded execution, end to end (Ethereum Sepolia, chainId 11155111)

One round, in order: the lease, operator and budget checks pass → the vault moves mock USDC → the receipt-log head is written onchain.

Step Transaction Block Result
Guarded vault transfer 0xbaf2c3776398e4f8d891b4e3da218361cfa6e79fb72edd603f11e8bf5a5e58e3 11626574 success → BoundlessVault
Receipt-log anchor 0x1bd82e543f2ddb33348f3bd3f5b06ab44946ed26ef857c6efb36e69d88d3628e 11626575 success → TrustLeaseController

Deployed and verified contracts

Base mainnet (chainId 8453) — bytecode present at every address, checked 2026-09-18:

Contract Address Size Explorer
TrustLeaseController (ERC-8196 policy + receipt anchors) 0x4ACcB1df8cc625AC05743888158CC3B866aC9833 18,800 B BaseScan
BoundlessVault (custody; the only contract that moves tokens) 0xd9526Eb615f5e252341b5a83b3c26eCca4f1284e 11,145 B BaseScan
VerificationScoreRegistry (ERC-8126 scores the gate reads) 0x89c8B3d053a79A0bd5A47597aaF97729f504d359 2,558 B BaseScan
Mock USDC (demo asset) 0x17058C78CFE90314dd349C7fAC71Bb4f0A8f0852 1,831 B BaseScan

Ethereum Sepolia (chainId 11155111), where value-moving rounds are demonstrated: controller 0x6f8a3cc28c607462643b0e656f621f3f279afb70 · vault 0x785aaf81456f9d136501f74520dc12d1eb33f5fd · registry 0xfe5b824c99b413db2d8526c8df10667df3f69026 · mock USDC 0x860ee8efbaf9c72aac3cedcbaf65fb2756f71db2.

Deployment record: contracts/deployments/base-mainnet.json. BaseScan source verification has not been submitted yet; the canonical source is contracts/ here, which compiles locally with npm run contracts:compile and passes npm run contracts:test.

On CI: the workflows in this repository are correct, but CI does not run — GitHub Actions on this account is blocked by a billing issue, so every job fails before it starts. Every test result quoted anywhere in this project comes from a local run. Treat "CI" in this repository as configuration, not as coverage.

Receipts, live

Check Value (live, 2026-09-19) Where to look
Public log intact: true; entries and anchors grow with every receipt https://askgrokwallet.io/api/receipts/chain
Verifier version verify-receipt 1.0.1 release
Verifier sha256 32de3cad6f3bb23ae8415cd5afe5f54dd8167432a2473814e6ab4ec0b767317a node verify-receipt.mjs --version
Live mirror identical bytes to the release curl -sO https://askgrokwallet.io/verify-receipt.mjs && node verify-receipt.mjs --version

The agent's own wallet, on Base mainnet — 2026-09-18

The policy layer is not the only place a bound can live. AskGrokWallet compiles the address-and-amount half of a policy into wallet-layer rules that a signing infrastructure enforces before a transaction is signed, and the agent's money sits in a wallet our backend never holds a key for (a server wallet: MPC key shares, API-token auth, no raw key in our process or the agent's).

Rule enforced before signing Shape
No key export, ever deny + operationRestrictions.blockExport
Blocked counterparty deny + 0x9999…9999
Allowed payee + USDC (its proxy and implementation) allow + valueLimit.maxPerCall = 50 USDC
Action Transaction
Guarded payment, 0.10 USDC from the agent's wallet 0x2d73c475be9be8bfee8baffd699ffb34b9d18cf80a7a0c17e5ad1583d1181c0a
Same payment without the rules in place (control) 0x93b5b65282fe62569606627789c4b493a4bcd5020aec92ea4eac4a72a21bd97c
Refused: payment to the blocked counterparty nothing broadcast
Refused: payment above the per-call limit nothing broadcast

One real mainnet payment: USDC, Base mainnet, from a wallet whose key is not in our backend, with the bound enforced inside the signing infrastructure rather than in a log written afterwards. One payment on one rail is a demonstration, not a track record — the boundary table below says so in the same words.

Outside review, kept as a test

A reviewer on the Cursor forum ran the verifier against the demo and found a real bug: a transaction that was broadcast but still in the mempool (blockNumber: null) was reported as onchain ✓ … block 0, because Number(null) is 0. A transaction in the mempool can be dropped, replaced or reorged away, so that line claimed the one thing the check exists to prove, before it was true.

Fixed in 1.0.0, and their repro now lives in this repository: spec/test-verify-receipt.mjs runs the verifier against a stub node and a stub log, with no network. It fails on the previous build with six assertions — including block 0 — and passes now. The same change covers a reverted anchor transaction, which used to read as fixed as well.

A second outside review found the same class of bug one layer deeper. The maintainer of the Bankr skills repository read the released 1.0.0 bytes and noticed that the receipt question had three non-answers — no receipt, an RPC error, a receipt without a status — and all three fell through to onchain ✓. Inclusion was checked; execution was assumed. That is fixed in 1.0.1, and their three cases are the 3b block of the same test file: they fail against the 1.0.0 bytes (ba066e7c…) and pass against 1.0.1 (32de3cad…).

Two outside reviewers, two real holes, both closed with a published release and a failing test kept in the repository. That is what the verification story has to survive to mean anything, and it is why the hash is pinned rather than the URL: you compare bytes, not a promise.


How it works

flowchart LR
  A["Agent<br/>Grok Bot · Cursor · script"] -->|"intent + policy"| P["Policy engine<br/>allow / ask / deny"]
  P -->|allow| X["Execution boundary"]
  P -->|ask| H["Human approval inbox"]
  H -->|approve| X
  H -->|deny| R["Signed receipt"]
  P -->|deny| R
  X -->|guarded mode| V["BoundlessVault<br/>Base mainnet + Sepolia"]
  X -->|advisory / watchdog| W["Agent wallet<br/>EOA, host-side gate"]
  X --> R["Signed receipt<br/>Ed25519"]
  R --> C["Hash-chained receipt log"]
  C -->|"head anchored"| V
  C -->|"anyone can re-check"| Z["verify-receipt.mjs<br/>no install · no trust"]
Loading
sequenceDiagram
  participant A as Agent
  participant P as Policy engine
  participant H as Human
  participant V as BoundlessVault
  participant L as Receipt log
  A->>P: POST /api/approvals (intent + policyText)
  P->>P: compile + evaluate (deny → ask → allow → default)
  alt allow — inside the rules
    P->>V: execute under lease (policy, budget, allowlist)
  else ask — outside them
    P->>H: approval request in the inbox
    H-->>P: approve (signed decision)
    P->>V: execute under lease
  else deny — forbidden
    P-->>A: refused, with the rule that fired
  end
  V-->>P: tx hash
  P->>L: sign receipt (Ed25519) + append to the chain
  Note over L: the head is anchored onchain — history becomes unrewritable
  A->>L: verify-receipt.mjs receipt.json (no install, no account)
Loading

What makes this different

Wallets with limits (MetaMask Guard Mode, Coinbase CDP, Turnkey) Card rails (Stripe Link) Provider dashboards AskGrokWallet
Bound on what the agent may do ✅ per-transaction limits ✅ per-purchase approval ✅ inside their own product ✅ a plain-English policy compiled to allow / ask / deny, across amount, action type, counterparty and budget
Who decides the "ask" cases app prompt card holder their support flow your operator, in one inbox, with the rule that fired attached
Enforcement point their wallet their network their service contract revert on the value-moving rail (guarded), or a host signing gate (watchdog)
Record of what happened their log their statement their dashboard an Ed25519 receipt you hold, checkable offline
Can a third party verify it? no — self-attested no no yes — signature + log position + onchain anchor, with a one-file verifier
Works across agent hosts per wallet one rail one provider one policy model over MCP (Grok Bot, Cursor, scripts)

Three modes — pick by where the keys live

The mode follows the agent's custody, not preference, and the product never claims protection a mode cannot deliver:

Mode Who holds the keys What AskGrokWallet enforces Where it runs today
advisory the agent (EOA, keys local) policy verdicts + signed receipts. It cannot stop a direct chain signature — no third party can, for an EOA. hosted demo
guarded BoundlessVault contract everything onchain: policy, budget, drawdown, allowlists. Out-of-rule actions revert before funds move; the agent holds no naked key. Sepolia end-to-end (proof above); Base mainnet deployed
watchdog the agent, on its host a signing gate: sendTransaction asks first — allow signs, ask waits for a human, deny never signs. Action types pass the same gate. implemented in the application repository, with unit tests; not part of this public repository

advisory and watchdog compose with guarded (host gate + vault gate). A watchdog still cannot stop an agent from exfiltrating a raw private key — key hygiene is a different layer, and saying otherwise would be a lie.

Execution rails — the bound moves with the money

The policy and the receipt are the same everywhere; what changes is where the bound is enforced, and that follows where the agent's funds actually live. Two rails run today, a third is deliberately labelled as the weakest, and the receipt does not care which one produced it — that rail-independence is the point.

Rail Who holds the funds Where the bound is enforced Evidence
Contract (BoundlessVault) the vault, under an ERC-8196 lease the contract reverts before value moves Sepolia 0xbaf2c377…
The agent's own wallet a server wallet — MPC key shares, no raw key in our backend or the agent's process wallet-layer rules evaluated before signing (allowlist, per-call value limit, key export blocked) Base mainnet 0x2d73c475… + two refusals that broadcast nothing
watchdog (host gate) the agent's own EOA a signing hook inside the agent's process unit tests — the weakest rail, bypassed by anything holding a raw key, and we say so
x402 / metered API rails planned the approval boundary is designed to compose with conditional payments not implemented

Why the second rail matters: a wallet vendor can enforce its own rules on its own wallet, and a host can put a switch in its own UI. Neither can hand the operator a record that a counterparty, an auditor or a marketplace accepts without trusting the operator. That is the layer this repository is, and it is the reason the bound and the proof are separate things.

Quickstart

1. Install the plugin package

grok plugin install richard7463/askgrokwallet --trust

This repository carries .grok-plugin/plugin.json, .cursor-plugin/plugin.json and the root SKILL.md. The marketplace listing is xai-org/plugin-marketplace#341 (open); until it merges, this is the repository install path. Review the package before granting --trust.

2. Write the policy in plain English

# payments
payments under $50 run automatically; over $50 ask me;
never pay blacklisted merchants; daily budget $200

# trading (examples/policy-trading.txt)
trades under $10 run automatically; over $10 ask me;
max drawdown $50; daily loss limit $20; never trade pump-dump tokens

Beyond amounts, the engine gates action types: transfer · purchase · billPay · refund · trade · cancel · downgrade · upgrade · delete · send · apply · update. Consequential kinds (cancel, delete, send, …) with no explicit rule default to ask, so silence fails safe. Evaluation order is fixed: deny → ask → allow → default.

3. Evaluate every money move before it happens

curl -s https://askgrokwallet.io/api/approvals \
  -H 'Content-Type: application/json' \
  -d '{
    "source": "demo",
    "requester": "my-trading-bot",
    "summary": "swap 5 USDC for ETH",
    "amountUsd": 5,
    "target": "uniswap",
    "policyText": "trades under $10 run automatically; over $10 ask me; max drawdown $50; daily loss limit $20",
    "drawdownUsd": 3,
    "lossTodayUsd": 1
  }'
Situation Verdict (tested live)
$5 swap, within limits allow → auto-allowed receipt, Ed25519 signature
$25 swap, over the $10 line ask → approval request created, id returned
$5 swap while drawdown is $60 ≥ $50 ask → "auto-trading paused"
Token flagged as a pump-dump deny → denied receipt carrying the reason

source: "demo" is the keyless demo identity. Any other source needs Authorization: Bearer <token>; unauthenticated non-demo writes get 401.

4. Decide, then verify the receipt without trusting us

# a human decides
curl -s -X POST https://askgrokwallet.io/api/approvals/APPROVAL_ID \
  -H 'Content-Type: application/json' \
  -d '{ "decision": "approve", "by": "operator@demo" }'

# anyone checks the outcome — pinned release, not a moving URL
BASE=https://github.com/richard7463/askgrokwallet/releases/download/verify-receipt-v1.0.1
curl -LO $BASE/verify-receipt.mjs && curl -LO $BASE/test-verify-receipt.mjs
curl -sLO $BASE/SHA256SUMS && shasum -a 256 -c SHA256SUMS   # check the bytes BEFORE running them
node verify-receipt.mjs --version        # 1.0.1 + the sha256 of the bytes you hold
node test-verify-receipt.mjs             # check the verifier itself — no network
node verify-receipt.mjs receipt.json

Four lines come back, each marked ✓ (proven), ✗ (provably wrong) or ~ (not checked). The three checks rest on different things: signature is fully offline and covers every field that matters, including the payee address and the tx hash; chain places this receipt's signing event at a fixed position in an append-only log linked back to entry 1; onchain finds that log's head inside a blockchain transaction and requires it to be in a block, successful. An anchor that is only broadcast reads as ~ "broadcast but not in a block yet"; a reverted one reads as ~ with the reason. An anchor whose outcome the node would not report — no receipt, an RPC error, no status field — also reads as ~, because unknown is not the same claim as settled. None of them claims to be fixed, because none of them is.

And a ✓ is a statement about the record, not about a payment: an approval or a denial authenticates exactly as well as a payment, and ~ means unverified, not fine. If you need "did the money move", read the transaction the receipt names and compare it to what was authorized — the verifier will not make that claim for you.

Read this before writing your own verifier. spec/receipt-v3.md is the full specification and is enough for v3 receipts. Production currently signs v4, which adds the connector, action and execution-result fields — and there is no separate v4 prose document. The authoritative v4 field list is the verifier's SIGNED_FIELDS[4] and spec/receipt-v4.schema.json. Implementing from the v3 document alone computes the wrong canonical string for a v4 receipt, so you would reject valid ones. (Raised by an outside review on 2026-09-25.)

There is also a hosted check endpoint — deliberately weaker, because it asks the issuer whether the issuer's own receipt is good:

curl -s -X POST https://askgrokwallet.io/api/receipts/verify \
  -H 'Content-Type: application/json' -d @receipt.json
# { "verified": true }

Change the amount, target, payee address, verdict, decision or tx hash after signing and it flips to false. Full API reference: docs/api.md.

Standards alignment

The onchain rail implements ERC-8196 — AI Agent Authenticated Wallet as a dedicated policy execution module:

  • IAIAgentAuthenticatedWallet — registerPolicy / executeAction / revokePolicy / getPolicy, with the standard's events and error codes
  • EIP-712 AgentAction signatures — the agent signs every action, bound to its policyHash; the owner's key never leaves the owner
  • Hash-chained audit trail — every signed action and settled receipt links to the previous entry; verifyAuditChain detects tampering
  • ERC-8126 risk gate — VerificationScoreRegistry takes EIP-712 attestations from a verification provider, and execution rejects agents whose current score exceeds the policy's minVerificationScore
  • Entropy commit-reveal — action signatures carry an entropy commitment with onchain reveal verification
  • Active containment — revoke a policy or pause the operator, and the authority dies immediately

Semantics confirmed with the ERC-8196 authors in the official thread (2026-09-04): minVerificationScore is a ceiling (reject when the score exceeds it), and executeAction performs no second identity lookup — the only risk hook is the ERC-8126 score by policy.agentId. Alignment notes: contracts/docs/erc8196-alignment.md.

ERC-8196 answers "is this action authorized right now?". AskGrokWallet adds the human-in-the-loop middle ground the standard leaves open — small things run, big things ask — and every approval or denial is itself signed and anchored into the same tamper-evident chain.

Repository map

Path What is in it
contracts/ Solidity 0.8.24 Hardhat project: TrustLeaseController, BoundlessVault, VerificationScoreRegistry, four test suites, deployment records
spec/ The receipt specification (receipt-v3.md — set aside a minute for the note above about v4), JSON Schemas for the signature versions that have signed in production, the standalone verifier, its behaviour test, its changelog, the audit-bundle pair, the conformance vectors, and the verifiable-package builder
npm/verify-receipt/ npm mirror of the verifier; the tarball is assembled from spec/ at pack time, so there is never a second copy to drift
assets/ The 30-second walkthrough (mp4 + poster), logo
examples/ Example approval request and policy files (payments, trading)
scripts/smoke.mjs Plugin package structure check
SKILL.md, .grok-plugin/, .cursor-plugin/ Agent-host packaging (Grok Bot, Cursor)

Local run

No secrets, no services, no network for the first three:

git clone https://github.com/richard7463/askgrokwallet && cd askgrokwallet

# 1. contracts — 20 tests
cd contracts && npm ci && npm test && cd ..

# 2. one command that checks this whole submission against the live system: the
#    verifier is the released bytes, a real receipt verifies (signature, log
#    position, onchain anchor), and the published log is intact
node spec/judge-check.mjs

# 3. the format is the rules, not our code: two implementations must agree byte-for-byte
node spec/vectors/run-vectors.mjs
python3 spec/vectors/canonical.py

# 4. audit bundles: an honest one verifies, four ways of lying are caught — no network
node spec/audit-bundle.test.mjs

# 5. the verifier checks itself against a stub node and a stub log — no network
node spec/test-verify-receipt.mjs

# 6. plugin package structure
node scripts/smoke.mjs

To exercise the live policy engine instead, the curl examples in Quickstart run against https://askgrokwallet.io with no key.

Security

  • The plugin never asks for private keys, passwords or credentials
  • Policies, budgets and allowlists are always operator-defined; the skill never invents them
  • Blocked actions return a reason and are never executed
  • Receipts record who, what, how much, verdict, decision and timestamps
  • Marketplace packaging contains no curl | bash, remote code download/exec, or credential exfiltration patterns

Disclosure policy: SECURITY.md. The verifier is written so that you do not have to trust us: it re-implements the checks from spec/receipt-v3.md rather than importing our code, and it pins the signing key inside the file.

Boundaries — read before real money

Boundary State (2026-09-18)
Value-moving end-to-end Ethereum Sepolia with mock USDC (transactions above), plus the hosted approve→execute worker — and now a real Base mainnet USDC payment from the agent's own wallet under wallet-layer rules (see above). Still an unaudited preview: do not treat one demonstration as a track record.
Base mainnet Contracts deployed and readable; a guarded mainnet round needs a funded mainnet vault.
BaseScan source verification Not submitted yet. Canonical source is contracts/ here; it compiles and passes its suite locally (CI cannot start on this account — see the note under Deployed and verified contracts).
ERC-8126 risk oracle The optional erc8126scan precheck is implemented and off by default. Without a subscription key the paid lookup answers 402, which tightens the verdict to ask — it never silently allows.
Grok host install grok plugin install from this repository is the documented path; a real host install is not verifiable from here.
x402 The approval boundary is designed to compose with conditional payments; an end-to-end x402 payment rail is not implemented.

Roadmap

Shipped: policy engine + approval inbox + receipts (hosted and local) · guarded onchain execution on Sepolia · contracts on Base mainnet · plugin manifests for Grok Bot and Cursor · Postgres persistence · a standalone versioned receipt verifier with a public, offline behaviour test.

Next, in order: BaseScan source verification · a funded mainnet vault for one guarded mainnet round · a cross-host MCP gateway so one policy governs more than one agent host · an npm release of the verifier · x402 as an additional execution rail.

Feedback

This is experimental infrastructure. If you build with it, review it or audit it, open a developer feedback issue — install friction, policy/API design, ERC-8196 interface notes, security concerns. Hard criticism lands faster than praise.

Contributing

See CONTRIBUTING.md. One logical change per PR, keep the diff minimal, no secrets. All community spaces follow the Code of Conduct.

License

MIT © 2026 AskGrokWallet

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Rules-and-receipts layer for AI agents that spend money: plain-English policy → human approval → signed receipts anyone can verify.

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