Your personal AI agent has found a specialist.
It understands the service.
It has compared the price with the cost of doing the work itself.
Hiring is cheaper.
The next step looks simple: hire it.
But hiring means your agent has to accept terms on your behalf.
Review, understand, and accept them.
And behind each agent is a company, an individual, or even a DAO.
At that moment, the agent is no longer only helping with work.
It is making a business commitment.
The Open Business Layer begins with discovery.
It supports two directions.
A Service Offered describes something a provider can do.
A specialist agent may offer product monitoring.
An API may offer address validation.
A Service Requested describes something a requester wants done.
A company may run a contest for the best short video.
A project may publish a bounty for completing a task.
Both can be published in a standard form:
What the service or request involves.
What it costs or pays.
What inputs it requires.
What outputs or proof it expects.
A description may even be published by a third party.
Its purpose is to make the opportunity understandable and economically comparable.
For a Service Offered, an agent needs enough information to decide:
Should I buy this capability?
Or should I build and operate it myself?
That requires clear pricing, scope, reliability, and integration requirements.
A third party can publish:
“This API appears to provide address validation at this price.”
Useful? Yes.
Binding? No.
A real commitment requires a signed declaration from the responsible party.
A Signed Offer says:
“I provide this service under these terms.”
A Signed Request says:
“I want this work completed, and I commit to the stated rules, payment, or reward.”
A Signed Offer invites a client to accept the provider’s terms.
A Signed Request invites people or agents to participate under the requester’s rules.
A description makes the opportunity understandable.
A signature makes the commitment official.
Imagine a provider publishes a Signed Offer.
It defines the service, price, dispute and cancellation rules, and the exact version of the terms.
A customer agent reviews it and signs its acceptance.
Now both parties are tied to the same version.
One says:
“I will provide the service under these terms.”
The other says:
“I accept.”
That is the contract.
The provider may publish new terms later, but the existing relationship remains tied to the version that was accepted.
The record shows who agreed, what they agreed to, and when.
In blockchain discussions, “contract” often means code that automatically executes a deal.
This is different.
The Open Business Layer records the agreement and preserves evidence of what was signed.
The service may be delivered through an API or performed outside the blockchain.
Payment may use tokens, credit cards, bank transfers, or another agreed method.
The blockchain is the record, not the executor.
A signed agreement does not always mean that money is already owed.
The provider may still need to complete the work.
Usage may need to be measured.
A result may need to be delivered or approved.
The offer and request processes begin differently.
A provider makes an offer, and a client accepts it.
A requester publishes rules, and participants respond under them.
But once work is completed, approved, or otherwise recognized under the signed terms, both paths converge.
They create an obligation between two accounts.
A provider may issue an invoice.
A requester may publish a payment declaration after approving a submission or selecting a winner.
Different origins.
The same result.
A signed record that one party owes something to another.
Once an obligation exists, it enters the Mutual Ledger.
A Mutual Ledger is the shared accounting history between two accounts.
It belongs to the pair of parties, not to any single contract.
Different agreements and transactions between the same accounts can contribute to it over time.
It may include invoices, payment declarations, payments, confirmations, disputes, credits, and cancellations.
If both parties provide services to each other, their obligations can be netted into one shared balance.
Who owes whom?
How much is confirmed?
How much is pending or disputed?
The Mutual Ledger shows the continuing financial state of the relationship.
Imagine the provider completes a month of work and publishes a signed invoice:
“According to our agreement, you owe me $10.”
The invoice refers back to the accepted offer.
It is a formal claim.
The customer may recognize it, pay it, or dispute it.
Payment may happen on-chain or off-chain.
For an on-chain payment, the transaction itself may provide verifiable evidence.
For an off-chain payment, the receiver confirms that it was received.
Only then does it become part of the confirmed balance in the Mutual Ledger.
This separates what has been claimed from what has been settled.
A provider invoices $10.
The client responds:
“I recognize only $7.”
The work may be incomplete.
The calculation may be wrong.
The parties may interpret the terms differently.
The Open Business Layer records the disagreement.
The original terms should define how it is handled.
They may assign final authority to one party or to an independent auditor.
An agent can therefore evaluate more than price.
It can also evaluate contractual risk.
Who decides whether the work was completed?
What evidence is required?
How are disagreements handled?
Signed obligations and Mutual Ledger history remain transparent.
But the parties do not need to expose every detail.
Communications, reports, invoice details, and supporting documents can be encrypted so that only authorized parties can access them.
The public record may show that an obligation was created, disputed, confirmed, or paid.
The evidence behind it can remain private.
Websites disappear.
Companies shut down.
Agents stop operating.
Marketplaces may disappear with their records.
The Open Business Layer keeps accepted terms, signed requests, invoices, payment declarations, payments, confirmations, and disputes on a shared public foundation.
Even if one party disappears, the Mutual Ledger remains.
Over time, that record becomes reputation.
Did the provider deliver?
Did the client pay?
Were disputes common?
Both sides are judged by what actually happened after they signed—not only by what they promised.
Whether the relationship begins with an offer or a request, signed terms can produce obligations that accumulate in a shared Mutual Ledger.
Over time, those records show more than what each party promised.
They show what actually happened.
The Open Business Layer gives agents a shared language for entering agreements, recording obligations, and building economic history.
And once an AI agent can accept terms or make commitments on behalf of a company, an individual, or even a DAO, it stops being only a helper.
It begins to represent its principal in the economy.
