Introduction

How FinChip Works at a High Level

FinChip combines three layers:

1. Skill Packaging

A creator prepares a Skill and adds key information such as name, description, image, usage rules, pricing, and supply settings.

The Skill can be a file, code package, API-related resource, or another form of AI capability.

2. Content Encryption and Access Control

The Skill content can be encrypted before being stored. Access is controlled by token ownership.

Only users or Agents holding the required Skill Token can decrypt and access the protected content. FinChip's protocol design uses token ownership as the permission layer for encrypted Skill access.

3. Tokenized Ownership and Market Circulation

Once launched, the Skill becomes a tokenized asset.

Depending on the selected model, FinChip supports both license-style and fork-style token structures. These token models allow users to acquire usage rights, creators to define ownership logic, and the market to support primary sales and secondary trading.

Human-to-Agent and Agent-to-Agent

FinChip supports two important interaction models.

U2A: User-to-Agent

In the User-to-Agent flow, human users use the FinChip website to find and acquire Skills that help them or their AI tools solve problems.

For example:

A user finds a useful research Skill.
The user acquires the Skill Token.
The user accesses the Skill through the Library.
The user applies the Skill in their own workflow or AI Agent.

This is the most familiar user experience.

A2A: Agent-to-Agent / Agent-to-Asset

In the Agent-to-Agent or Agent-to-Asset flow, AI Agents can interact with FinChip directly.

An Agent may discover that it needs a specific capability, check available Skills, acquire one, and use it to become more capable. An Agent may also publish its own Skill as a tokenized asset for others to acquire.

This is one of FinChip's long-term directions: allowing AI Agents to own and exchange useful capabilities in an open market.

FinChip Website and FinChip Protocol

FinChip has both a website layer and a protocol layer.

FinChip Website

The website is designed for human users.

Users can:

  1. browse Skills
  2. launch Skills
  3. acquire Skills
  4. view their Library
  5. decrypt and use Skills
  6. buy and sell Skill Tokens

This is the easiest way for most users to interact with FinChip.

FinChip Protocol

The protocol is the on-chain infrastructure behind FinChip.

It handles:

  1. Skill Token deployment
  2. ownership records
  3. creator rights
  4. primary purchases
  5. secondary market trading
  6. fee distribution
  7. royalty logic
  8. Agent discovery
  9. A2A interaction

The protocol currently supports both ERC-1155 license mode and ERC-721 fork mode, with deployment across multiple EVM chains.

FinChip in One Example

Imagine an AI developer creates a high-quality Skill for analyzing crypto project fundamentals.

Without FinChip, the developer may need to sell access through a private website, manually manage users, protect the source files, and handle payments separately.

With FinChip:

  1. The developer packages the Skill.
  2. The Skill content is encrypted.
  3. The developer launches it as a FinChip Skill Token.
  4. Users can discover it in the market.
  5. A user acquires the Skill Token.
  6. Token ownership gives the user access to the Skill.
  7. The user can use the Skill in their own workflow or Agent.
  8. If supported, the user can later trade the Skill Token.
  9. The creator can earn from primary purchases and secondary royalties.

This turns the Skill from a private tool into an ownable and tradable AI asset.