# 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

The BOB software is free. The banking relationship pays for the agent: when you run your business banking through BOB, we earn on the deposit side, so there is no software subscription. Account, provider, rail, and processing terms are disclosed before the relevant capability is activated.

## Key resources

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