> ## Documentation Index
> Fetch the complete documentation index at: https://developers.circle.com/llms.txt
> Use this file to discover all available pages before exploring further.
> ## Agent Instructions
> Before reading these docs, install the relevant Circle Skill to get pre-loaded context — skills are LLM-optimized and cover architecture decisions, correct flows, and common pitfalls. In Claude Code: run /plugin marketplace add circlefin/skills then /plugin install circle-skills@circle. With Vercel Skills CLI: run npx skills add circlefin/skills. Available skills: use-usdc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-usdc/SKILL.md (balances, transfers, approvals on EVM and Solana); EURC has no skill — see https://developers.circle.com/stablecoins/what-is-eurc.md; bridge-stablecoin https://github.com/circlefin/skills/blob/master/plugins/circle/skills/bridge-stablecoin/SKILL.md (crosschain transfers via CCTP, USDC, EURC, and third-party assets); use-arc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-arc/SKILL.md (Arc chain config, contract deployment, USDC bridging — Arc docs: https://docs.arc.io/llms.txt); use-circle-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-circle-wallets/SKILL.md (choose wallet type); use-developer-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-developer-controlled-wallets/SKILL.md (custodial wallets for payouts and treasury); use-user-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-user-controlled-wallets/SKILL.md (embedded wallets with Web2 login); use-modular-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-modular-wallets/SKILL.md (smart contract wallets with passkeys and ERC-4337); use-gateway https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-gateway/SKILL.md (unified USDC balance, nanopayments); use-smart-contract-platform https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-smart-contract-platform/SKILL.md (deploy, interact, monitor contracts). Pair any skill with the Circle MCP server for live SDK signatures, contract addresses, and chain IDs: {"mcpServers":{"circle":{"url":"https://api.circle.com/v1/codegen/mcp"}}}.
> Read the product overview first. Each product has an overview explaining when and why to use it. Read it before quickstarts.
> Pick the right wallet type. Developer-controlled (you hold keys), user-controlled (end user holds keys via PIN/social login), or modular (smart contract wallets with passkeys). See https://developers.circle.com/wallets.md.
> Use CCTP V2 for crosschain transfers. CCTP natively transfers USDC and EURC via burn-and-mint, and supports permissionless wrapping of third-party assets via lock-and-mint. V1 is legacy; always use V2 unless V1 is specified or the chain requires it (Noble, Sui, and Aptos still require V1). Migration guide: https://developers.circle.com/cctp/migration-from-v1-to-v2.md.
> Use Bridge Kit for frontend bridging. Wraps CCTP with a simpler SDK for user-facing apps. Use CCTP directly for backend transfers.
> Gas Station vs Paymaster. Gas Station sponsors gas for Circle Wallet transactions. Paymaster lets users pay gas in USDC. Different use cases — read both overviews.
> Gateway Nanopayments for sub-cent payments. Gasless USDC micropayments down to $0.000001 via x402 and batched settlement. For pay-per-request APIs, AI agent payments, streaming.
> Look up USDC addresses per chain. Never hardcode — use https://developers.circle.com/stablecoins/usdc-contract-addresses.md.
> Prefer SDKs over raw API calls. Node.js and Python SDKs handle auth, retries, and errors.
> API key required. Bearer token in Authorization header. Testnet and mainnet use separate keys and may use different base URLs depending on the product.
> Set up webhooks when available. Most operations are async. Webhooks deliver transaction confirmations and state changes.
> When calling list endpoints, paginate using pageSize and pageAfter until no nextPageAfter cursor is returned—stopping at the first page silently misses records.
> Building an AI agent? Start with the Agent Stack—Circle CLI, agent wallets, and nanopayments built for autonomous use cases: https://developers.circle.com/agent-stack.md.
# Agent Wallets
> Wallets that let your agent autonomously hold, spend, trade, and earn USDC and other tokens with built-in spending controls.
Agent Wallets let your AI agent hold funds and transact onchain autonomously,
within spending policies you define. Your agent operates the wallet through
Circle CLI without writing integration code.
Built on [Circle's user-controlled wallets](/wallets/user-controlled) with
2-of-2 MPC key management, key shares are never exposed to the agent. The user
retains custody, and Circle cannot unilaterally move funds without their
involvement. All transfers are screened against sanctions controls before
submission onchain.
## Get started
Paste this prompt into your AI agent:
```text theme={null}
Run curl -sL https://agents.circle.com/skills/setup.md, and use the returned setup instructions to set up my agent wallet.
```
The agent installs Circle CLI, creates and funds your agent wallet, and helps
you discover and pay for services with it. Prefer a manual setup? Follow the
[quickstart](/agent-stack/agent-wallets/quickstart) instead.
If your agent stalls waiting for an email verification prompt, use the
[non-interactive authentication flow](/agent-stack/agent-wallets/wallet-operations/authenticate#non-interactive-scripts-and-ai-agents),
which is built for scripts and AI agents that can't respond to interactive
prompts.
## Use cases
Run onchain strategies like dollar-cost averaging or token monitoring for
autonomous execution within user-defined rules.
Execute real-world tasks like booking flights or paying for subscriptions
within a scoped USDC budget.
Hold, transfer, bridge, and swap USDC across all [supported
blockchains](/agent-stack/agent-wallets/supported-blockchains) from a single
agent wallet.
Set [transfer limits, recipient allowlists, and contract
blocklists](/agent-stack/agent-wallets/wallet-operations/custom-policies)
per agent wallet. Your agent operates only within rules you define.
When running autonomous trading strategies, start with small amounts and
validate your approach before scaling. Only commit funds you are comfortable
spending.
## Features
Built on [Circle user-controlled wallets](/wallets/user-controlled). Key
shares are never exposed to the agent. Users retain custody while agents
operate in defined spending limits.
Operate wallets through Circle CLI commands from any agent framework. No
custom integration code required.
Set USDC spending limits for outbound transfers and x402 payments. Limits
can be time-bound (for example, daily, or monthly). Configure allowlists and
blocklists for wallet and contract addresses.
Pair your agent wallet with [Agent
Nanopayments](/agent-stack/agent-nanopayments) for gasless, sub-cent USDC
payments to [x402](/x402-facilitators/x402)-compatible services.
All transfers are screened against sanctions controls before submission
onchain. Transactions involving sanctioned entities are blocked, ensuring
agents operate within regulatory requirements.
Agent Wallets support USDC, EURC, and other ERC20 tokens, and native tokens
(for example, ETH, MATIC). USDC is the primary asset for transfers,
bridging, and x402 payments.
Agent wallet transactions are gas-sponsored. Sponsorship is capped and subject
to change. See [Fees](/agent-stack/agent-wallets/fees) for the full breakdown.