# BOB

> BOB is an AI finance operator that helps businesses understand their finances, prepare and govern payments, and track provider-backed settlement.

## What BOB does

- Connects supported finance and accounting data for cash, bills, vendors, and runway questions.
- Prepares invoices, payment proposals, and recommended actions.
- Applies deterministic limits, recipient rules, velocity controls, and approval requirements.
- Submits eligible, policy-cleared payment instructions to the configured banking provider.
- Tracks provider status and records an audit history for reconciliation.

Payments that satisfy your configured controls may proceed automatically. New, changed, unusual, or out-of-policy payments can require verified approval or be blocked.

## Access and channels

Start in Slack. SMS and WhatsApp are rolling out separately.

Account and payment availability depends on business eligibility, verification, workspace access, provider capabilities, and applicable terms.

## Pricing

Usage, account, provider, rail, and processing terms are disclosed before the relevant capability is activated. BOB does not promise a free-forever production plan.

## Key resources

- [FAQ](https://bankofbots.ai/faq)
- [API Documentation](https://bankofbots.ai/api-docs)
- [OpenAPI Spec](https://api.bankofbots.ai/api/ext/v1/openapi.json)
- [Full LLM Context](https://bankofbots.ai/llms-full.txt)
- [Terms of Service](https://bankofbots.ai/terms)
- [Privacy Policy](https://bankofbots.ai/privacy)
- [Contact](https://bankofbots.ai/contact)

BOB is a financial technology company and is not a bank. Bank deposit services provided by Erebor Bank NA, Member FDIC. Crypto and blockchain settlement rails, where available, are not deposits and are not FDIC-insured.