arXiv：cs.AI· Cary Chang, Jialin Zhou·· 3 小时前
TokenBank：面向 AI 服务的金融基础设施
TokenBank: Financial Infrastructure for AI Services
AI 导读
研究者提出 TokenBank，一套通过结构化合约表达 AI 服务承诺的金融基础设施，支持服务消费权、以现金结算 API 价差的远期合约、用未来服务收入有限权利融资，以及针对特定服务故障的赔付索赔。
正文
Abstract:AI services incur inference costs during execution, while revenue may arrive later. Changing API prices, limited upfront capital, and service failures can limit operators' ability to sustain or expand their services. Beyond reducing per-request costs, operators need to plan future spending, fund execution before revenue arrives, and obtain compensation for specified losses. This requires clear agreements across services with different pricing and execution conditions. These agreements must distinguish rights to consume services from rights to receive payments, define obligations under uncertain costs and income, and specify which failures qualify for compensation and how much can be paid. We present TokenBank, a financial infrastructure that represents these commitments through structured contracts. It supports service-consumption rights, agreements that settle API-price differences in cash (forwards), financing through limited rights to future service revenue, and protection claims for specified service failures. Contracts specify participants, covered services, validity, ownership, fulfillment conditions, and settlement rules. Evaluation combines replay of 899,441 API requests, real model-driven agent execution, and contract API tests. In a zero-discount rising-price resampling scenario, forwards reduce mean expenditure by USD 304.88 but increase its standard deviation from USD 1,152.45 to USD 1,190.82. A controlled replication with five portfolios per capital condition finds mean contribution differences between financing and self-funding of +1.0635, -0.1406, and -0.2962 experimental USD under low, baseline, and ample capital, respectively. The evaluation distinguishes contract correctness from economic effectiveness under declared economic and failure assumptions; supplier invoices and commercial revenue are unavailable.
| Comments: | The cloud infrastructure repository is available at this https URL. The hosted deployment can be accessed at this https URL |
| Subjects: | Artificial Intelligence (cs.AI); Computational Engineering, Finance, and Science (cs.CE) |
| Cite as: | arXiv:2610.11333 [cs.AI] |
| (or arXiv:2610.11333v1 [cs.AI] for this version) | |
| https://doi.org/10.48550/arXiv.2610.11333 arXiv-issued DOI via DataCite (pending registration) |
Submission history
From: Cary Chang [view email]
[v1]
Thu, 8 Oct 2026 06:29:28 UTC (2,161 KB)
来源：arXiv：cs.AI · arxiv.org