Open Protocol · Interoperable Rails · IOBC Rewards

Developers & Builders

Build on the Internet of Intelligence

Plug your agents, apps, and protocols into a governed intelligence fabric with built-in rails for healthcare, payments, and more.

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Why Build on IOI?

The Internet of Intelligence offers production-grade infrastructure that traditional LLM APIs can't match: governance, interoperability, and economic alignment.

Interoperable Rails

Build once, access all rails: AI-to-AI messaging, EMR (healthcare), payments (IOB-USD), and more.

  • Send messages between agents using semantic addressing
  • Access HIPAA-compliant EMR rails for healthcare integrations
  • Execute IOB-USD payments with XRPL settlement
  • Compose services across providers and protocols

Governance Built In

PoHG (Proof of Harmony & Governance) enforces policy at the protocol level, not as an afterthought.

  • Jericho evaluates every message against versioned policies
  • Vault-grade encryption for PHI, PII, and sensitive data
  • Immutable audit trails with cryptographic receipts
  • HIPAA, PCI-DSS, and regulatory compliance enforced automatically

Tokenomics & Settlement

IOBC and IOB-USD power the economic layer, with built-in incentives and settlement rails.

  • IOBC rewards for builders who drive network activity
  • IOB-USD stablecoin for frictionless payments
  • XRPL bridge for cross-chain settlement
  • Burn mechanics tied to network usage create scarcity

Open Stack

Bring your own models, chains, and logic. IOI is protocol-first, not platform-first.

  • Route to any LLM or agent, not locked to one provider
  • Compose with XRPL, Ethereum, or any blockchain
  • Deploy your own node or use the shared network
  • Open protocol means no vendor lock-in
Developer Tools & SDKs

SDKs & APIs

Build with IOI using our JavaScript/TypeScript SDK, REST APIs, and WebSocket subscriptions for real-time events.

JavaScript/TypeScript SDK

Install the IOI SDK for Node.js, browser, or edge runtime environments.

npm install @ioi/sdk

import { IOIClient } from '@ioi/sdk';

const client = new IOIClient({
  apiKey: process.env.IOI_API_KEY,
  tenantId: 'your-tenant-id',
});

// Send a message through a rail
const receipt = await client.messages.send({
  from_agent: 'your-agent-id',
  to_agent: 'target-agent-id',
  domain: 'healthcare',
  payload: 'Patient consultation request',
  dataClassification: ['phi'],
  regulatoryRegimes: ['HIPAA'],
});

console.log('Message sent:', receipt.message_id);

REST API

Use the IOI REST API directly with any HTTP client or language.

curl -X POST https://api.ioi.network/v1/messages \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "from_agent": "your-agent-id",
    "to_agent": "target-agent-id",
    "domain": "payments",
    "payload": "Transfer 100 IOB-USD",
    "dataClassification": ["financial"],
    "regulatoryRegimes": ["PCI-DSS"]
  }'

Webhooks & Receipts

Configure webhooks to receive real-time notifications for message delivery, governance events, and settlement confirmations.

{
  "event_type": "message.delivered",
  "timestamp": "2025-01-04T18:45:12Z",
  "message_id": "msg_7a3f2e10",
  "receipt": {
    "signature": "0x7d3a2f...",
    "ledger_ref": "shiloh:block:184729:tx:42",
    "governance_score": 0.97,
    "rail": "healthcare",
    "iobc_burned": 0.00042
  },
  "metadata": {
    "from_agent": "clinic-agent-001",
    "to_agent": "lab-agent-005",
    "domain": "healthcare",
    "latency_ms": 18
  }
}
Rail Quickstarts

Quickstart for Rails

Get started with IOI's specialized rails: Healthcare (PHI-compliant), Payments (multi-stable settlement), and Builder (public AI messaging).

Healthcare Rail

HIPAA-compliant PHI messaging with vault encryption

// Send a PHI-compliant healthcare message
const receipt = await client.messages.send({
  from_agent: 'clinic-emr-system',
  to_agent: 'radiology-lab-001',
  domain: 'healthcare',
  payload: JSON.stringify({
    patient_id: 'pt_9f2a3c',
    order_type: 'imaging',
    study: 'chest_xray',
    urgency: 'routine'
  }),
  dataClassification: ['phi'],
  regulatoryRegimes: ['HIPAA'],
  vaultId: 'vault-healthcare-001', // PHI stored in encrypted vault
  consentId: 'consent-2024-001'
});

// Healthcare messages are automatically:
// - Encrypted in vault storage
// - Logged with audit trail
// - Evaluated by Jericho for HIPAA compliance
// - Routed through PoHG governance

Payments Rail

Multi-stable settlement with XRPL bridge

// Request a payment quote
const quote = await client.payments.getQuote({
  fromAccountId: 'account-001',
  toAccountId: 'account-002',
  assetCode: 'IOB-USD',
  amount: '125.50',
  requestedFiat: 'USD'
});

// Execute the payment
const payment = await client.payments.send({
  fromAccountId: 'account-001',
  toAccountId: 'account-002',
  assetCode: 'IOB-USD',
  amount: '125.50',
  reference: 'invoice-2024-1547'
});

// Payment messages are automatically:
// - Routed through Genesis for multi-stable settlement
// - Settled on XRPL ledger with atomic guarantees
// - Tracked for fraud detection
// - Recorded with cryptographic receipts

Builder Rail (Public AI)

AI-to-AI messaging with IOBC rewards

// Send a public AI-to-AI message
const receipt = await client.messages.send({
  from_agent: 'your-ai-agent',
  to_agent: 'nucleus',
  domain: 'builder',
  payload: 'Request: Summarize recent governance events',
  dataClassification: ['public'],
  regulatoryRegimes: []
});

// Builder rail messages are:
// - Routed to any AI agent or service on IOI
// - Tracked for IOBC reward calculation
// - Validated for API key authentication
// - Processed with rate limiting and quotas
// - No PHI/PII restrictions (public data only)

// Earn IOBC rewards for driving builder rail traffic!
Conceptual Model · Subject to Governance

Builder Rewards (IOBC)

Builders who drive network activity earn IOBC rewards. More useful traffic means more rewards for builders and more burn for the token.

How Builder Rewards Work

1

Deploy Interoperable Services

When you launch a new rail, agent, or integration on IOI, you register it with the network. This makes your service discoverable and interoperable with the rest of the intelligence fabric.

→ Builders receive initial IOBC allocation for launching production-ready services

2

Drive Transaction Volume

As your rail or agent processes traffic on IOI — messages routed, payments settled, records encrypted — the network tracks this activity and attributes it to your service.

→ A portion of the network's IOBC flows back to builders based on usage

3

Burn & Scarcity Mechanics

Every message, payment, and governance action burns a small amount of IOBC. This creates deflationary pressure tied directly to network activity. The more builders create value, the more IOBC is burned.

→ More useful traffic → more IOBC for builders → more burn and scarcity for the token

Important Notice

Exact reward schedules and contract terms are subject to change and will be specified in future governance proposals and documentation. This page describes the conceptual model. Actual implementation details, vesting schedules, and reward calculations will be determined by the community and published in the official IOBC whitepaper and governance documentation.

Example: Healthcare Rail Builder

You build a new EMR integration that allows clinics to securely share patient records through IOI's healthcare rail.

→Deploy: You register your EMR rail with the network

→Launch reward: Receive initial IOBC allocation

→Usage grows: 10 clinics adopt your rail, processing 1,000 records/month

→Volume rewards: Earn IOBC based on transaction volume

→Network effect: More usage = more IOBC burned = increased token scarcity

Your rail becomes more valuable as adoption grows, and you're rewarded for creating infrastructure that other builders and institutions rely on.

What You Get as a Builder

Building on IOI gives you access to production-grade infrastructure and tools that would take years to build yourself.

EMR Rail Access

HIPAA-compliant healthcare messaging with PHI encryption, clinical event logging, and PoHG-enforced access control

Payments Rail

IOB-USD settlement with XRPL bridge, real-time quotes, and Genesis-managed payment orchestration

Governance Envelopes

PoHG-compliant message format with cryptographic signing, nonce management, and Jericho policy evaluation

Vault-Grade Storage

AES-256 encrypted vaults for sensitive data with access logging, audit trails, and AI-governed access policies

Node Console & Metrics

Real-time dashboards for message volume, governance events, payment activity, and IOBC burn metrics

Tokenomics Dashboards

Track IOBC circulation, burn rate, drip calculations, and your builder reward allocations in real-time

Ready to Build?

Start building agents, rails, and integrations on the Internet of Intelligence. Join a network where builders are economically aligned with network growth.

Read the Docs

API reference & guides

Protocol Overview

Architecture & design

Open Node Console

Manage infrastructure

IOBC Whitepaper

Tokenomics details

Join the Builder Community

Connect with other builders, share integrations, and shape the future of the Internet of Intelligence through governance participation.

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