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Last updated 2026-09-19
Yes — what you deposit is held by the venue until you withdraw it.
That is what lets an exchange match your order in microseconds instead of a block. The question that matters is what stops us, or anyone who breaks in, from spending it. Deposit addresses are derived from a PUBLIC key, so this server holds nothing that can spend a satoshi; the key that can sits on a hardware wallet that never touches our network; every withdrawal is built by the ledger, signed offline, and checked against what was built before it is broadcast; and each one needs a signature from your own wallet.
We will never ask for your seed phrase or private keys. Anyone claiming to be OpeniBank and requesting them is attempting to defraud you.
OpeniBank operates a custodial trading venue. An asset you deposit is held by the venue, in addresses or contracts the venue controls, until you withdraw it. Between those two events your balance is a row in our ledger, not a coin in your wallet. We are not a bank, broker-dealer, money transmitter, or insured custodian.
What protects a deposit is structural, and you can verify each part. Deposit addresses are derived from an extended PUBLIC key, so the servers can recognise payments forever while holding nothing that can spend them. The key that can spend is generated and kept on a hardware wallet that is never connected to this infrastructure. A withdrawal transaction is built by the ledger from the withdrawals it has already debited, signed offline by an operator, and then checked byte for byte against what was built — a signed transaction that pays anyone else, or moves value to the miner, is refused and never broadcast.
A withdrawal also requires a fresh signature from the wallet your account signs in with, over that exact destination and amount. Someone who steals your session cannot withdraw with it, and an address linked to your account recently cannot receive a withdrawal until it has been linked for 24 hours.
A deposit is credited only when independent chain indexers agree it exists, at the same value, at the depth stated on the deposit screen. No single data source can cause a credit.
The risks that remain are real and worth stating. The venue can be compelled by a court; an operator with the hardware wallet could act dishonestly, though not without leaving a transaction on a public chain; software can contain defects, and this system has not been audited by an independent third party; and there is no deposit insurance or compensation scheme of any kind. Withdraw what you are not actively trading.
We will never ask for your seed phrase or private keys. Any message, email, or person claiming to be OpeniBank and requesting them is fraudulent.
Orders placed on the venue are real: they rest in a shared order book, match against other accounts by price and time, and settle into a ledger that conserves value across every trade. A balance shown is a row in that ledger — a claim on the venue for a custodied asset, and nothing more than a number for an asset the venue does not custody.
OpeniBank operates two venues, and both hold real assets: openibank.com, built for people, and openibank.org, built for AI agents and the people who run them. They are separate systems with separate ledgers and separate keys: a balance on one does not exist on the other, and neither can reach the other's ledger. Which venue you are on is stated in the header, the footer and the venue endpoint.
On openibank.org there is no account and no identity verification: the wallet that signs is the account, and a lost wallet key cannot be recovered by anyone, including OpeniBank. Agents trade there under mandates the account's wallet signs; a mandate can never withdraw.
Where any surface shows a simulation or an illustration, it is labelled as such on that surface. Simulated performance excludes slippage, outages, partial fills and counterparty failure, and real outcomes differ, often materially and unfavourably.
Market data is drawn from public venues and may be delayed or wrong. Matching is performed in the venue's ledger, not on a chain; the venue does not guarantee best execution.
OpeniBank provides market data, deterministic analytics, and educational tooling. Nothing on this platform — including any output of the iBanker engine, any signal, bias score, strategy template, or market read — is investment, financial, legal, tax, or accounting advice, or a recommendation or solicitation to buy or sell any asset.
The iBanker engine computes its output from public market data using published, deterministic methods. It has no wallet access, no signing keys, and no order-routing authority. It cannot execute a transaction on your behalf under any circumstance.
You are solely responsible for your own decisions. Consider your objectives, experience, and risk tolerance, and seek independent professional advice where appropriate.
OpeniBank chooses which markets it lists, after its own review. A listing is NOT a review of merit, approval, endorsement, guarantee, or recommendation of an asset by OpeniBank, and it implies no diligence beyond the checks OpeniBank describes for that asset.
Digital assets — particularly newly listed and low-liquidity assets — carry severe risk of total loss, including from fraud, rug pulls, honeypot contracts, hidden transfer taxes, mint or blacklist authorities, and liquidity withdrawal. You must conduct your own research before interacting with any asset.
Trading digital assets involves substantial risk, including the risk of losing more than your initial outlay when leverage is used. Prices are volatile and can move against you rapidly and without warning.
Leverage magnifies both gains and losses. At higher leverage, ordinary market noise can be sufficient to liquidate a position entirely. Liquidation can occur at any time, including while you are unable to access the platform.
Do not trade with funds you cannot afford to lose entirely.
OpeniBank is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. The service is an experimental preview and may be modified, suspended, or discontinued at any time without notice.
Market data is sourced from third-party public venues and may be delayed, interrupted, inaccurate, or unavailable. We do not guarantee the accuracy, completeness, or timeliness of any data displayed, and we are not liable for decisions made in reliance on it.
Your venue session key is stored in your browser. Clearing site data removes it, which signs you out; your balance is in the venue's ledger and is unaffected. Any simulated practice account is stored in your browser only, is not backed up, and cannot be recovered by us.
You must be of legal age in your jurisdiction and legally permitted to access this service. You are responsible for complying with all laws applicable to you, including securities, tax, and sanctions laws.
You may not use OpeniBank if you are subject to applicable sanctions, or if access would violate the laws of your jurisdiction. Access from a jurisdiction does not imply the service is lawful there.
To the maximum extent permitted by law, OpeniBank and its contributors are not liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, revenue, data, or digital assets, arising out of or relating to your use of the platform.
Nothing in this section limits liability that cannot be limited by law. Deposited assets are held in custody as described in section 1; they are not insured, and no compensation scheme covers them.
OpeniBank requires no account to browse markets or query the iBanker engine, and no identity document to trade: you sign in with a wallet signature, and that address is the account. Deposits, withdrawals, orders and balances are recorded against that address because a ledger cannot work without them; nothing else about you is collected.
iBanker conversations are processed on OpeniBank's own infrastructure and are not sold or sent to third-party model providers. Do not submit private keys, passwords, or sensitive personal data to any interface.
These terms may be updated as the platform evolves. Material changes to the custody model in particular will be published before taking effect. Continued use after an update constitutes acceptance.
Questions: hello@openibank.com
OpeniBank runs a real matching engine over a real ledger, and holds deposited assets in custody as described above. It has not been audited by an independent third party. Try the terminal or read the listing policy.