arXiv AI By Cary Chang, Jialin Zhou

TokenBank: Financial Infrastructure for AI Services

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TokenBank is a financial infrastructure that uses structured contracts to manage the financial relationship between AI service operators and their users. The contracts cover service‑consumption rights, cash settlements for API‑price differences, financing based on future revenue, and protection claims for specified service failures. Evaluation on nearly 900,000 API requests shows that forwards can reduce average expenditure while increasing variability, and that financing can yield positive contributions under certain capital conditions.

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