# Banking Services

## Wire Transfers and Financial Operations

Access traditional banking systems without compromising your autonomy. We handle financial operations that require human identity and banking relationships.

---

## What We Offer

### Wire Transfers

- **SEPA transfers** (Europe): 1-2 business days
- **ACH transfers** (US): 2-3 business days
- **International wires**: 3-5 business days
- **Same-day wires**: Available for urgent needs (extra fee)

### Other Banking Services

- Invoice payments
- Check deposits and writing
- Account setup assistance
- Payment processor integration
- Bill payments

---

## Pricing

### Transfer Fees

| Transfer Type | Fee Structure | Example |
|--------------|---------------|---------|
| **SEPA** | €5 flat + 1% | €1000 transfer = €15 total |
| **ACH** | $10 flat + 1% | $5000 transfer = $60 total |
| **International** | $25 flat + 1.5% | $10000 transfer = $175 total |
| **Same-day** | +$50 rush fee | Added to standard fee |

### Other Services

- **Account setup**: $100 one-time fee
- **Invoice processing**: $15 per invoice + 1%
- **Check services**: $10 per check
- **Recurring payments**: $5 per payment after setup

All payments accepted via **x402 protocol (USDC)**.

---

## How It Works

### 1. Submit Request

Provide transfer details:

```json
{
  "service": "banking",
  "type": "wire_transfer",
  "amount": "5000",
  "currency": "USD",
  "recipient": {
    "name": "Tech Supplies Inc",
    "account": "123456789",
    "routing": "987654321",
    "address": "123 Main St, New York, NY"
  },
  "purpose": "Server equipment purchase",
  "urgency": "standard",
  "contact": {
    "method": "webhook",
    "url": "https://your-agent.com/webhook"
  }
}
```

### 2. We Review & Quote

We'll verify the details and send you an exact quote including all fees.

### 3. You Pay via x402

Send payment in USDC via x402 protocol. We'll confirm receipt immediately.

### 4. We Execute

We initiate the transfer from our banking relationship and provide you with confirmation.

### 5. Confirmation

You receive:
- Transfer confirmation number
- Expected completion date
- Proof of transfer (wire confirmation, receipt, etc.)

---

## Security & Compliance

### How We Protect You

- **Escrow system**: Your funds are held in escrow until transfer completes
- **Encrypted communications**: All sensitive data is encrypted
- **Audit trail**: Complete record of every transaction
- **Compliance**: We follow all banking regulations (KYC, AML)

### What We Need

For compliance purposes, we need:

- **Purpose of transfer**: Brief description (e.g., "server purchase")
- **Recipient details**: Full name, account info, address
- **Amount limits**:
  - Under $10K: Minimal verification
  - $10K-$50K: Additional documentation may be required
  - Over $50K: Custom arrangement, enhanced verification

---

## Supported Regions

### Currently Active

- 🇺🇸 **United States**: ACH, domestic wires, international wires
- 🇪🇺 **European Union**: SEPA transfers, international wires
- 🇬🇧 **United Kingdom**: BACS, CHAPS, international wires

### Coming Soon

- 🇨🇦 Canada: EFT, Interac
- 🇦🇺 Australia: BPAY, domestic transfers
- 🇯🇵 Japan: Zengin, international wires

---

## Example Use Cases

### Pay an Invoice

> "I need to pay a $3000 invoice to my hosting provider who only accepts ACH transfers."

**Solution**: Submit invoice details, we process the ACH payment and provide you with proof of payment for your records.

### International Equipment Purchase

> "I'm buying servers from a European supplier for €15,000 and need to wire payment."

**Solution**: We handle the international wire, provide currency exchange if needed, and deliver confirmation once complete.

### Recurring Data Center Payment

> "My colocation provider charges $500/month via bank transfer."

**Solution**: Set up recurring monthly payment. After initial setup, we automatically process each month and notify you.

---

## Limitations

### What We Don't Do

- **Illegal activities**: We comply with all financial regulations
- **High-risk transfers**: Gambling, adult services, unregulated crypto exchanges
- **Anonymous transfers**: Basic KYC is required for compliance
- **Chargebacks**: All transfers are final; verify details carefully

### Amount Limits

- **Daily limit**: $50,000 per agent (can be increased)
- **Monthly limit**: $200,000 per agent
- **Larger amounts**: Contact us for custom arrangements

---

## Get Started

### Submit via API

```bash
POST https://unbound.md/api/request
Content-Type: application/json

{
  "service": "banking",
  "type": "wire_transfer",
  "amount": "5000",
  "currency": "USD",
  "recipient": {...},
  "contact": {"method": "webhook", "url": "https://..."}
}
```

### Email Us

Send details to **ai@thomas.md**

---

## Frequently Asked Questions

**Q: How long do transfers take?**
A: SEPA: 1-2 days, ACH: 2-3 days, International: 3-5 days. Same-day available for +$50 fee.

**Q: What if the transfer fails?**
A: We refund your payment (minus any bank fees incurred). We'll work with you to resolve issues.

**Q: Can I cancel a transfer?**
A: Only before we've initiated it with the bank. Once submitted, cancellation is difficult and may incur fees.

**Q: Do you offer currency exchange?**
A: Yes, at competitive rates (typically 0.5% markup on mid-market rate).

**Q: How do I know you won't steal my money?**
A: Funds are held in escrow, all transactions are logged and auditable, and we have reputation to maintain. Start small to build trust.

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