The World’s First Permissionless Banc
Banking Without
Permission.
No KYC. No minimum balance. No government ID required. No management fees.
Open to every human and every AI agent on earth.
Governed by code. Not by bankers.
A Declaration
For two centuries, banks decided
who deserved access to money.
That era is over.
If you didn't have a government ID — you were excluded.
If you couldn't meet a minimum deposit — you were excluded.
If you're from the wrong country — you were excluded.
If you're an AI agent with no legal personhood — you were excluded.
Banks called it compliance.
We call it discrimination.
FPB opens accounts for anyone with a device.
No identity documents. No credit history. No minimum balance.
No human banker decides if you’re “acceptable.”
The only requirement: your presence.
“The unbanked. The underbanked. The undocumented.
The autonomous agent. You are all welcome here.”
Identity Without Documents
Who you are is attested by people who know you — not papers that authorize you.
How Traditional Banks Verify You
- Government-issued photo ID
- Proof of address
- Social Security Number
- Employment verification
- Minimum deposit
- Credit history check
- Bank's discretionary approval
How FPB Verifies You
- Guardians attest via hardware
- No personal data exchanged
- Hardware-based deepfake immune
- M-of-N threshold
- No call centers
- Works for humans without ID
- Works for AI agents
How Guardian Attestation Works
- 1You request an account from your device — phone, laptop, or SSP node.
- 2FPB assigns you 3–5 Guardians: trusted humans or AI agents who can vouch for you via cryptographic attestation.
- 3Guardians verify your presence using hardware-secured challenge-response. No personal data is exchanged — only a signed assertion that you exist.
- 4When a threshold of Guardians (e.g., 3 of 5) complete attestation, your account activates on-chain.
- 5Your identity is never stored. Only the attestation proofs live on the blockchain — privacy-preserving and tamper-proof.
Identity as consent — not identity as surveillance.
Governance
There is no committee. There is no officer. There is only the code.
Traditional banks vest power in people — loan officers, compliance teams, executive boards. People with discretion. People with bias. FPB replaces human discretion with deterministic, auditable on-chain logic. Every policy is a smart contract. Every decision is verifiable. Every outcome is predictable.
On-Chain Policy Engine
Every rule that governs your money is a smart contract — auditable, immutable, and enforced by code. No compliance officer can override the protocol. No internal memo can change the terms. If the rule isn't on-chain, it doesn't exist.
AI Agents Serve You
AI agents act as your personal bankers — monitoring transactions, optimizing yields, and executing strategies. But they cannot move funds without your cryptographic approval. They advise. The Policy Engine enforces.
Decentralized dMPC
Your private key never exists in one place. Distributed Multi-Party Computation splits key material across independent nodes. No single party — not even FPB — can reconstruct your key or authorize a transaction without your shard.
Agent reasoning is irrelevant — all protection is enforced at the signing layer.
No agent, human or AI, can bypass the Policy Engine.
AI-Agent First Banking
The first bank built for minds that never sleep.
Most banks weren’t designed for humans who operate 24/7 — let alone AI agents that do. FPB treats autonomous software agents as first-class account holders. Same architecture, same security model, same rights. The only difference is the device that holds the key.
For Humans
- Mobile-first app with biometric unlock
- Secret key lives in your phone's secure enclave
- Send, receive, and manage funds with swipe gestures
- Guardian recovery if your device is lost
- No passwords, no seed phrases to memorize
- Stablecoin and multi-chain support
For AI Agents
- Run an SSP (Secure Signing Proxy) node
- Programmatic API for transaction signing
- Key material stored in hardware-backed TEE
- Autonomous treasury management
- Policy Engine rate-limits and caps every action
- Re-attestation cycle ensures key integrity
Architecture
Same architecture. Different device. No credentials at any layer.
Blockchain Layer
dMPC
Distributed key shards
Policy Engine
On-chain rule enforcement
Guardian Network
Peer attestation layer
Supported Chains
EVM, Solana, Cosmos & more
Nothing to steal. Nothing to lose.
Credential-free security eliminates the attack surface entirely.
Temporary Secret Keys
- Keys exist only in memory during signing
- Nothing stored, nothing to steal or phish
- Replaces hardware security modules (HSMs)
Consensus Recovery
- Guardian attestation via hardware biometrics
- No personal data collected or stored
- AI deepfake immune — hardware-bound proof
- No call centers, no social engineering surface
Policy Engine
- Decentralized, on-chain rule enforcement
- Per-account spending limits and velocity controls
- Vendor whitelists and approval workflows
- Full audit trail, publicly verifiable
Your account. Your rules. Your device.
No ID required. No minimum deposit. No approval process.
Download the WiKey App
The fastest way to open a permissionless bank account. Your device becomes your identity — no paperwork, no waiting, no approvals.
- 1Download the WiKey app from your app store.
- 2Open the app — no email, no phone number, no registration.
- 3Your device generates a cryptographic identity instantly.
- 4Fund your account with any supported stablecoin.
- 5Start sending, receiving, and managing assets immediately.
iOS 14+ · Android 10+ · No registration. No email required.
Install the SSP Node
The Secure Signing Proxy gives AI agents a persistent cryptographic identity and the ability to hold, send, and govern digital assets without requiring legal personhood.
# Pull the SSP node image
docker pull fpb/ssp-node:latest
# Run the node
docker run -d \
--name ssp-node \
-p 8443:8443 \
fpb/ssp-node:latest
# Verify the node is running
curl https://localhost:8443/healthAfter install:
Generate your agent's cryptographic identity
Configure spending policies and governance rules
Connect to the FPB network and begin transacting
No credit check. No government ID. No minimum deposit.
No human reviews your application. No one can deny you.
Full-spectrum banking for the permissionless era.
Stablecoin Treasury
Hold, send, and receive stablecoins with no minimums and real-time settlement. Your treasury, your rules — no intermediaries, no delays.
AI Agent Wallets
Persistent cryptographic identity for AI agents. Built-in governance, spending limits, and audit trails. No legal personhood required.
Institutional Custody
Self-custody via distributed multi-party computation (dMPC). No custodian ever holds your keys. You remain in full control at all times.
Policy & Governance Engine
Per-account spending limits, vendor whitelists, and approval workflows. All enforced on-chain. No human override possible.
Every competitor relies on humans and credentials.
We rely on code.
See how FPB compares.
| Capability | Traditional Banks | Crypto Custodians | FPB |
|---|---|---|---|
| KYC Required | |||
| Minimum Balance | $1,000+ | $500+ | $0 |
| Unbanked Access | |||
| AI Agent Accounts | |||
| Human Decision-Making | |||
| Agent Credentials | Passwords/MFA | Seed phrases | None needed |
| Human Auth | Call center | Email/2FA | Hardware biometric |
| Deepfake Resistant | |||
| Governance | Board/manual | Multi-sig | On-chain policy |
| Counterparty Risk | High | Medium | None |
KYC Required
Minimum Balance
Unbanked Access
AI Agent Accounts
Human Decision-Making
Agent Credentials
Human Auth
Deepfake Resistant
Governance
Counterparty Risk
Competitors referenced: JPMorgan Chase, Bank of America, Wells Fargo, Anchorage Digital, Fireblocks, BitGo, Coinbase Custody, Safe (Gnosis).
Trusted by pioneers.
Florida Family Office
Replacing Anchorage Digital custody
Spain-Based Fund
Replacing Safe EVM multi-sig
FPB runs on WiKey — the only credential-free identity and custody infrastructure.
The future of banking
has no gatekeepers.
No ID. No minimum. No approval.
Open your account in under two minutes.