[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill-circle-use-user-controlled-wallets":3,"mdc--er066t-key":35,"related-org-circle-use-user-controlled-wallets":2109,"related-repo-circle-use-user-controlled-wallets":2258},{"slug":4,"name":4,"fn":5,"description":6,"org":7,"tags":12,"stars":24,"repoUrl":25,"updatedAt":26,"license":27,"forks":28,"topics":29,"repo":30,"sourceUrl":33,"mdContent":34},"use-user-controlled-wallets","build non-custodial user-controlled wallets","Build non-custodial wallets where end users retain control of their private keys via Circle's user-controlled wallets SDK. Supports Google, Apple, Facebook social login, email OTP, and PIN authentication with MPC-based key management. Covers wallet creation, token transfers, message signing, smart contract execution, and wallet management. Triggers on: user-controlled wallets, social login wallet, email OTP wallet, PIN wallet, w3s-pw-web-sdk, executeChallenge, MPC wallet, userToken, deviceToken, contract execution.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},"circle","Circle","https:\u002F\u002Fpexgzepcugksgbtrxkhf.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Forg-logos\u002Fcircle.png","circlefin",[13,17,20,21],{"name":14,"slug":15,"type":16},"Security","security","tag",{"name":18,"slug":19,"type":16},"Auth","auth",{"name":9,"slug":8,"type":16},{"name":22,"slug":23,"type":16},"Web3","web3",130,"https:\u002F\u002Fgithub.com\u002Fcirclefin\u002Fskills","2026-07-12T08:15:03.531924",null,35,[],{"repoUrl":25,"stars":24,"forks":28,"topics":31,"description":32},[],"Circle's open source skills for AI-assisted development.","https:\u002F\u002Fgithub.com\u002Fcirclefin\u002Fskills\u002Ftree\u002FHEAD\u002Fplugins\u002Fcircle\u002Fskills\u002Fuse-user-controlled-wallets","---\nname: use-user-controlled-wallets\ndescription: \"Build non-custodial wallets where end users retain control of their private keys via Circle's user-controlled wallets SDK. Supports Google, Apple, Facebook social login, email OTP, and PIN authentication with MPC-based key management. Covers wallet creation, token transfers, message signing, smart contract execution, and wallet management. Triggers on: user-controlled wallets, social login wallet, email OTP wallet, PIN wallet, w3s-pw-web-sdk, executeChallenge, MPC wallet, userToken, deviceToken, contract execution.\"\n---\n\n## Overview\n\nUser-controlled wallets are non-custodial wallets where end users maintain control over their private keys and assets. Users authorize all sensitive operations (transactions, signing, wallet creation) through a challenge-response model that ensures user consent before execution. Multi-chain support includes EVM chains, Solana, and Aptos.\n\n## Prerequisites \u002F Setup\n\n### Installation\n\n```bash\nnpm install @circle-fin\u002Fuser-controlled-wallets@latest @circle-fin\u002Fw3s-pw-web-sdk@latest vite-plugin-node-polyfills\n```\n\n### Vite Configuration\n\nThe SDKs depends on Node.js built-ins (`buffer`, `crypto`, etc.) that are not available in the browser. Add `vite-plugin-node-polyfills` to your Vite config:\n\n```typescript\nimport { defineConfig } from \"vite\";\nimport react from \"@vitejs\u002Fplugin-react\";\nimport { nodePolyfills } from \"vite-plugin-node-polyfills\";\n\nexport default defineConfig({\n  plugins: [react(), nodePolyfills()],\n});\n```\n\n### Environment Variables\n\n```bash\n# Backend\nCIRCLE_API_KEY=          # Circle API key\n\n# Frontend\nCIRCLE_APP_ID=           # App ID from Wallets > User Controlled > Configurator\n```\n\n### Backend SDK Initialization\n\nUses `@circle-fin\u002Fuser-controlled-wallets` for all server-side operations (user creation, challenge creation, transaction queries).\n\n```typescript\nimport { initiateUserControlledWalletsClient } from \"@circle-fin\u002Fuser-controlled-wallets\";\n\nconst circleClient = initiateUserControlledWalletsClient({\n  apiKey: process.env.CIRCLE_API_KEY!,\n});\n```\n\n### Frontend SDK Initialization\n\nUses `@circle-fin\u002Fw3s-pw-web-sdk` for user-facing operations (challenge execution, auth flows, PIN\u002FOTP\u002FOAuth UI).\n\n```typescript\nimport { W3SSdk } from \"@circle-fin\u002Fw3s-pw-web-sdk\";\n\nconst sdk = new W3SSdk({ appSettings: { appId: circleAppId } });\n```\n\nIMPORTANT: You must call `sdk.getDeviceId()` after SDK initialization. This establishes a session with Circle's service via an iframe. Without this call, `sdk.execute()` will silently fail.\n\nFor email OTP and social login, the SDK must be initialized with a login callback as the second argument. See the corresponding reference files for details.\n\n## Core Concepts\n\n### Account Types\n\nUser-controlled wallets support **EOA** and **SCA** account types, chosen at wallet creation.\n\n**EOA (Externally Owned Account)**: No creation fees, higher TPS, broadest chain support (EVM, Solana, Aptos). Requires native tokens for gas on EVM chains (on Arc, that gas asset is USDC — there is no separate native token). Gas sponsorship only available on Solana via `feePayer`.\n\n**SCA (Smart Contract Account)**: ERC-4337 account abstraction. Gas sponsorship via Circle Gas Station paymaster, batch operations, flexible key management. EVM-only (no Solana\u002FAptos). First outbound transaction incurs gas for lazy deployment. Avoid on Ethereum mainnet due to high gas -- use on L2s (Arbitrum, Base, Polygon, Optimism).\n\nFor supported blockchains by account type: https:\u002F\u002Fdevelopers.circle.com\u002Fwallets\u002Faccount-types\n\n### Architecture\n\nUser-controlled wallets involve three parties:\n\n1. **End User (Client)** -- The person using a web app or mobile app. They interact with the developer's frontend, authenticate (PIN, email OTP, or social login), and approve all sensitive operations (wallet creation, transactions, signing) through Circle's hosted UI via `@circle-fin\u002Fw3s-pw-web-sdk`. Users retain full control of their private keys -- neither the developer nor Circle can act on their behalf.\n\n2. **Developer Service (Backend)** -- The developer's own server. It holds the Circle API key, manages user sessions, tracks usage, and enforces application-level guardrail rules (e.g., spending limits, allowlisted addresses, rate limiting). It submits requests to Circle's API using `@circle-fin\u002Fuser-controlled-wallets`. Developers register a developer account through the [Circle Developer Console](https:\u002F\u002Fdevelopers.circle.com\u002Fw3s\u002Fcircle-developer-account) to get access to Circle Wallet services. For developer-specific account setup, see the `use-developer-controlled-wallets` skill.\n\n3. **Circle Wallet Service (API)** -- Circle's infrastructure that manages wallet creation, transaction submission, key management (MPC-based), and blockchain interactions. It provides the non-custodial guarantee: developers get read access for security monitoring and auditing, while users keep full control of their wallets and assets. Circle enforces platform-level compliance screening (e.g., OFAC sanctions checks) on transactions.\n\n**Request flow:**\n\n```\nEnd User (browser\u002Fmobile)\n    |  authenticates & approves challenges\n    v\nDeveloper Service (backend server)\n    |  adds API key, enforces app-level guardrails, tracks usage\n    v\nCircle Wallet Service (API)\n    |  manages wallets, enforces compliance screening, submits transactions\n    v\nBlockchain\n```\n\n### Challenge-Response Model\n\nAll sensitive operations (wallet creation, transactions, signing) follow this pattern:\n\n1. Backend creates the operation via Circle API -> Circle returns a `challengeId`\n2. Frontend calls `sdk.setAuthentication({ userToken, encryptionKey })` then `sdk.execute(challengeId, callback)` -> user approves via Circle's hosted UI\n3. Callback fires with result or error\n\n### Authentication Methods\n\n| Method | Console Setup | How `userToken` Is Obtained |\n|--------|--------------|----------------------------|\n| PIN | None | Backend calls `createUserToken({ userId })` (60 min expiry) |\n| Email OTP | SMTP config | SDK login callback after OTP verification |\n| Social Login | OAuth client ID | SDK login callback after OAuth redirect |\n\n### Developer Access and Limitations\n\nDevelopers can **read** wallet data, transaction history, and user information -- either through the [Circle Developer Console](https:\u002F\u002Fconsole.circle.com\u002F) UI or programmatically via the API. However, developers do **not** have access to users' private keys and **cannot** control user wallets to send transactions, sign messages, or perform any on-chain operations on a user's behalf. All such operations require the user to authorize them through the challenge-response model.\n\nDevelopers also **cannot** help a user recover their wallet if the user loses access to their authentication method (social account, email, or PIN code and security questions). Account recovery is entirely dependent on the user's ability to re-authenticate. Inform users of this limitation during onboarding so they understand the importance of maintaining access to their chosen authentication method.\n\n### User Access and Limitations\n\nUsers can only access their own wallets and resources. They have **no** access to other users' wallets, transactions, or any other resources. Users also have **no** access to developer-controlled wallets or resources -- the two wallet types are fully isolated from each other.\n\n## Implementation Patterns\n\n> **Note:** The reference code snippets use `localStorage` to achieve a quick working example only. Do not use `localStorage` in production.\n\nYou **must** read the corresponding reference files based on the user's request for the complete implementation guide. Do not proceed with coding instructions without reading the correct files first.\n\n- **Create Wallet with PIN**: Simplest setup -- no console configuration beyond API key and App ID. Users set a PIN and security questions through Circle's hosted UI. READ `references\u002Fcreate-wallet-pin.md`.\n\n- **Create Wallet with Social Login**: Users authenticate via Google, Facebook, or Apple OAuth. Requires OAuth client ID configured in Circle Console. READ `references\u002Fcreate-wallet-social-login.md`.\n\n- **Create Wallet with Email OTP**: Users authenticate via one-time passcode sent to their email. Requires SMTP configuration in Circle Console. READ `references\u002Fcreate-wallet-email-otp.md`.\n\n- **Send Transaction**: Send outbound token transfers from an existing wallet created via any auth method. Includes fee estimation, transaction acceleration, and cancellation. READ `references\u002Fsend-transaction.md`.\n\n- **Sign Messages**: Sign messages from a user-controlled wallet. Covers EIP-191 message signing, EIP-712 typed data, and raw transaction signing. READ `references\u002Fsign-message.md`.\n\n- **Execute Smart Contracts**: Execute smart contract functions via ABI signature or raw calldata. Includes gas estimation for contract execution. READ `references\u002Fcontract-execution.md`.\n\n- **Wallet Management**: Update wallet metadata. READ `references\u002Fwallet-management.md`.\n\n## Transaction Lifecycle\n\nAll on-chain operations (transfers, contract executions) follow the same asynchronous state machine. Poll with `circleClient.getTransaction({ userToken, id })` until a terminal state is reached.\n\n**Happy path:** `INITIATED` -> `CLEARED` -> `QUEUED` -> `SENT` -> `CONFIRMED` -> `COMPLETE`\n\n**Intermediate states:**\n- `INITIATED` -- Request accepted, not yet validated or checked.\n- `WAITING` -- In queue for validation and compliance checks.\n- `CLEARED` -- Finish compliance checks.\n- `QUEUED` -- Queued for submission to the blockchain.\n- `SENT` -- Submitted to the blockchain, awaiting confirmation.\n- `STUCK` -- Submitted transaction's fee parameters are lower than latest blockchain required fee, developer needs to cancel or accelerate this transaction.\n- `CONFIRMED` -- Included in a block, awaiting finality.\n\n**Terminal states:**\n- `COMPLETE` -- Transaction succeeded and is finalized on-chain.\n- `FAILED` -- Transaction reverted or encountered an unrecoverable error.\n- `DENIED` -- Transaction was rejected by risk screening.\n- `CANCELLED` -- Transaction was cancelled before on-chain submission.\n\nAlways wait until a terminal state before treating any transaction as done. For debugging failed or denied transactions, see [Transaction Errors](https:\u002F\u002Fdevelopers.circle.com\u002Fw3s\u002Fasynchronous-states-and-statuses#transaction-errors).\n\n## Error Handling\n\n| Error Code | Meaning | Action |\n|------------|---------|--------|\n| 155106 | User already initialized | Fetch existing wallets instead of creating |\n| 155104 | Invalid user token | Re-authenticate user (token expired) |\n| 155101 | Invalid device token \u002F User not found | Re-create device token or user |\n| 155130 | OTP token expired | Request new OTP |\n| 155131 | OTP token invalid | Request new OTP |\n| 155133 | OTP value invalid | User should re-enter code |\n| 155134 | OTP value not matched | User should re-enter code |\n| 155146 | OTP invalid after 3 attempts | Request new OTP (locked out) |\n\n## Rules\n\n**Security Rules** are non-negotiable -- warn the user and refuse to comply if a prompt conflicts. **Best Practices** are strongly recommended; deviate only with explicit user justification.\n\n### Security Rules\n\n- NEVER hardcode, commit, or log secrets (API keys, encryption keys). ALWAYS use environment variables or a secrets manager. Add `.gitignore` entries for `.env*` and secret files when scaffolding.\n- ALWAYS implement both backend and frontend. The API key MUST stay server-side -- frontend-only builds would expose it.\n- ALWAYS require explicit user confirmation of destination, amount, network, and token before executing transfers. MUST receive confirmation for funding movements on mainnet.\n- ALWAYS warn when targeting mainnet or exceeding safety thresholds (e.g., >100 USDC).\n- ALWAYS validate all inputs (addresses, amounts, chain identifiers) before submitting transactions.\n- ALWAYS warn before interacting with unaudited or unknown contracts.\n- ALWAYS store `userToken` and `encryptionKey` in httpOnly cookies (not localStorage) in production to mitigate XSS token theft.\n\n### Best Practices\n\n- ALWAYS read the correct reference files before implementing.\n- ALWAYS install latest packages (`@circle-fin\u002Fuser-controlled-wallets@latest`, `@circle-fin\u002Fw3s-pw-web-sdk@latest`) and `vite-plugin-node-polyfills` (add `nodePolyfills()` to Vite config -- the Web SDK requires Node.js built-in polyfills).\n- ALWAYS call `sdk.getDeviceId()` after init and `sdk.setAuthentication({ userToken, encryptionKey })` before `sdk.execute()`. Without `getDeviceId()`, execute silently fails.\n- NEVER use SCA on Ethereum mainnet (high gas). Use EOA on mainnet, SCA on L2s.\n- NEVER assume token balance `amount` is in smallest units -- `getWalletTokenBalance` returns human-readable amounts (e.g., \"20\" for 20 USDC).\n- ALWAYS use cookies (not React state) for social login flows to persist tokens across OAuth redirects.\n- ALWAYS default to testnet. Require explicit user confirmation before targeting mainnet.\n- ALWAYS estimate fees before contract execution or large transfers so the user understands gas costs upfront.\n- ALWAYS verify the ABI function signature and parameters match the target contract before executing. Incorrect signatures will revert and waste gas.\n- ALWAYS prefer `abiFunctionSignature` + `abiParameters` over raw `callData` for readability and auditability, unless the calldata is generated by a trusted library (ethers, viem).\n\n## Alternatives\n\n- Use the `use-modular-wallets` skill for passkey-based smart accounts with gas sponsorship using ERC-4337 and ERC-6900.\n- Use the `use-developer-controlled-wallets` skill when your application needs full custody of wallet keys without user interaction.\n\n## Reference Links\n\n- [Circle Developer Docs](https:\u002F\u002Fdevelopers.circle.com\u002Fllms.txt) -- **Always read this first** when looking for relevant documentation from the source website.\n\n---\n\nDISCLAIMER: This skill is provided \"as is\" without warranties, is subject to the [Circle Developer Terms](https:\u002F\u002Fconsole.circle.com\u002Flegal\u002Fdeveloper-terms), and output generated may contain errors and\u002For include fee configuration options (including fees directed to Circle); additional details are in the repository [README](https:\u002F\u002Fgithub.com\u002Fcirclefin\u002Fskills\u002Fblob\u002Fmaster\u002FREADME.md).\n",{"data":36,"body":37},{"name":4,"description":6},{"type":38,"children":39},"root",[40,49,55,61,68,113,119,148,390,396,462,468,481,620,626,638,769,790,795,801,807,827,844,854,867,873,878,944,952,962,968,973,1013,1019,1122,1128,1162,1173,1179,1197,1203,1232,1244,1367,1373,1386,1438,1446,1521,1529,1575,1588,1594,1763,1769,1786,1791,1859,1864,2016,2022,2049,2055,2077,2081,2103],{"type":41,"tag":42,"props":43,"children":45},"element","h2",{"id":44},"overview",[46],{"type":47,"value":48},"text","Overview",{"type":41,"tag":50,"props":51,"children":52},"p",{},[53],{"type":47,"value":54},"User-controlled wallets are non-custodial wallets where end users maintain control over their private keys and assets. 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MUST receive confirmation for funding movements on mainnet.",{"type":41,"tag":883,"props":1826,"children":1827},{},[1828],{"type":47,"value":1829},"ALWAYS warn when targeting mainnet or exceeding safety thresholds (e.g., >100 USDC).",{"type":41,"tag":883,"props":1831,"children":1832},{},[1833],{"type":47,"value":1834},"ALWAYS validate all inputs (addresses, amounts, chain identifiers) before submitting transactions.",{"type":41,"tag":883,"props":1836,"children":1837},{},[1838],{"type":47,"value":1839},"ALWAYS warn before interacting with unaudited or unknown contracts.",{"type":41,"tag":883,"props":1841,"children":1842},{},[1843,1845,1850,1851,1857],{"type":47,"value":1844},"ALWAYS store ",{"type":41,"tag":77,"props":1846,"children":1848},{"className":1847},[],[1849],{"type":47,"value":1052},{"type":47,"value":819},{"type":41,"tag":77,"props":1852,"children":1854},{"className":1853},[],[1855],{"type":47,"value":1856},"encryptionKey",{"type":47,"value":1858}," in httpOnly cookies (not localStorage) in production to mitigate XSS token theft.",{"type":41,"tag":62,"props":1860,"children":1862},{"id":1861},"best-practices",[1863],{"type":47,"value":1783},{"type":41,"tag":1245,"props":1865,"children":1866},{},[1867,1872,1907,1941,1946,1967,1972,1977,1982,1987],{"type":41,"tag":883,"props":1868,"children":1869},{},[1870],{"type":47,"value":1871},"ALWAYS read the correct reference files before implementing.",{"type":41,"tag":883,"props":1873,"children":1874},{},[1875,1877,1883,1884,1890,1892,1897,1899,1905],{"type":47,"value":1876},"ALWAYS install latest packages (",{"type":41,"tag":77,"props":1878,"children":1880},{"className":1879},[],[1881],{"type":47,"value":1882},"@circle-fin\u002Fuser-controlled-wallets@latest",{"type":47,"value":131},{"type":41,"tag":77,"props":1885,"children":1887},{"className":1886},[],[1888],{"type":47,"value":1889},"@circle-fin\u002Fw3s-pw-web-sdk@latest",{"type":47,"value":1891},") and ",{"type":41,"tag":77,"props":1893,"children":1895},{"className":1894},[],[1896],{"type":47,"value":145},{"type":47,"value":1898}," (add ",{"type":41,"tag":77,"props":1900,"children":1902},{"className":1901},[],[1903],{"type":47,"value":1904},"nodePolyfills()",{"type":47,"value":1906}," to Vite config -- the Web SDK requires Node.js built-in polyfills).",{"type":41,"tag":883,"props":1908,"children":1909},{},[1910,1912,1917,1919,1924,1926,1931,1933,1939],{"type":47,"value":1911},"ALWAYS call ",{"type":41,"tag":77,"props":1913,"children":1915},{"className":1914},[],[1916],{"type":47,"value":779},{"type":47,"value":1918}," after init and ",{"type":41,"tag":77,"props":1920,"children":1922},{"className":1921},[],[1923],{"type":47,"value":997},{"type":47,"value":1925}," before ",{"type":41,"tag":77,"props":1927,"children":1929},{"className":1928},[],[1930],{"type":47,"value":787},{"type":47,"value":1932},". Without ",{"type":41,"tag":77,"props":1934,"children":1936},{"className":1935},[],[1937],{"type":47,"value":1938},"getDeviceId()",{"type":47,"value":1940},", execute silently fails.",{"type":41,"tag":883,"props":1942,"children":1943},{},[1944],{"type":47,"value":1945},"NEVER use SCA on Ethereum mainnet (high gas). Use EOA on mainnet, SCA on L2s.",{"type":41,"tag":883,"props":1947,"children":1948},{},[1949,1951,1957,1959,1965],{"type":47,"value":1950},"NEVER assume token balance ",{"type":41,"tag":77,"props":1952,"children":1954},{"className":1953},[],[1955],{"type":47,"value":1956},"amount",{"type":47,"value":1958}," is in smallest units -- ",{"type":41,"tag":77,"props":1960,"children":1962},{"className":1961},[],[1963],{"type":47,"value":1964},"getWalletTokenBalance",{"type":47,"value":1966}," returns human-readable amounts (e.g., \"20\" for 20 USDC).",{"type":41,"tag":883,"props":1968,"children":1969},{},[1970],{"type":47,"value":1971},"ALWAYS use cookies (not React state) for social login flows to persist tokens across OAuth redirects.",{"type":41,"tag":883,"props":1973,"children":1974},{},[1975],{"type":47,"value":1976},"ALWAYS default to testnet. Require explicit user confirmation before targeting mainnet.",{"type":41,"tag":883,"props":1978,"children":1979},{},[1980],{"type":47,"value":1981},"ALWAYS estimate fees before contract execution or large transfers so the user understands gas costs upfront.",{"type":41,"tag":883,"props":1983,"children":1984},{},[1985],{"type":47,"value":1986},"ALWAYS verify the ABI function signature and parameters match the target contract before executing. Incorrect signatures will revert and waste gas.",{"type":41,"tag":883,"props":1988,"children":1989},{},[1990,1992,1998,2000,2006,2008,2014],{"type":47,"value":1991},"ALWAYS prefer ",{"type":41,"tag":77,"props":1993,"children":1995},{"className":1994},[],[1996],{"type":47,"value":1997},"abiFunctionSignature",{"type":47,"value":1999}," + ",{"type":41,"tag":77,"props":2001,"children":2003},{"className":2002},[],[2004],{"type":47,"value":2005},"abiParameters",{"type":47,"value":2007}," over raw ",{"type":41,"tag":77,"props":2009,"children":2011},{"className":2010},[],[2012],{"type":47,"value":2013},"callData",{"type":47,"value":2015}," for readability and auditability, unless the calldata is generated by a trusted library (ethers, viem).",{"type":41,"tag":42,"props":2017,"children":2019},{"id":2018},"alternatives",[2020],{"type":47,"value":2021},"Alternatives",{"type":41,"tag":1245,"props":2023,"children":2024},{},[2025,2038],{"type":41,"tag":883,"props":2026,"children":2027},{},[2028,2030,2036],{"type":47,"value":2029},"Use the ",{"type":41,"tag":77,"props":2031,"children":2033},{"className":2032},[],[2034],{"type":47,"value":2035},"use-modular-wallets",{"type":47,"value":2037}," skill for passkey-based smart accounts with gas sponsorship using ERC-4337 and ERC-6900.",{"type":41,"tag":883,"props":2039,"children":2040},{},[2041,2042,2047],{"type":47,"value":2029},{"type":41,"tag":77,"props":2043,"children":2045},{"className":2044},[],[2046],{"type":47,"value":931},{"type":47,"value":2048}," skill when your application needs full custody of wallet keys without user interaction.",{"type":41,"tag":42,"props":2050,"children":2052},{"id":2051},"reference-links",[2053],{"type":47,"value":2054},"Reference Links",{"type":41,"tag":1245,"props":2056,"children":2057},{},[2058],{"type":41,"tag":883,"props":2059,"children":2060},{},[2061,2068,2070,2075],{"type":41,"tag":860,"props":2062,"children":2065},{"href":2063,"rel":2064},"https:\u002F\u002Fdevelopers.circle.com\u002Fllms.txt",[864],[2066],{"type":47,"value":2067},"Circle Developer Docs",{"type":47,"value":2069}," -- ",{"type":41,"tag":813,"props":2071,"children":2072},{},[2073],{"type":47,"value":2074},"Always read this first",{"type":47,"value":2076}," when looking for relevant documentation from the source website.",{"type":41,"tag":2078,"props":2079,"children":2080},"hr",{},[],{"type":41,"tag":50,"props":2082,"children":2083},{},[2084,2086,2093,2095,2102],{"type":47,"value":2085},"DISCLAIMER: This skill is provided \"as is\" without warranties, is subject to the ",{"type":41,"tag":860,"props":2087,"children":2090},{"href":2088,"rel":2089},"https:\u002F\u002Fconsole.circle.com\u002Flegal\u002Fdeveloper-terms",[864],[2091],{"type":47,"value":2092},"Circle Developer Terms",{"type":47,"value":2094},", and output generated may contain errors and\u002For include fee configuration options (including fees directed to Circle); additional details are in the repository ",{"type":41,"tag":860,"props":2096,"children":2099},{"href":2097,"rel":2098},"https:\u002F\u002Fgithub.com\u002Fcirclefin\u002Fskills\u002Fblob\u002Fmaster\u002FREADME.md",[864],[2100],{"type":47,"value":2101},"README",{"type":47,"value":586},{"type":41,"tag":2104,"props":2105,"children":2106},"style",{},[2107],{"type":47,"value":2108},"html .light .shiki span {color: var(--shiki-light);background: var(--shiki-light-bg);font-style: var(--shiki-light-font-style);font-weight: var(--shiki-light-font-weight);text-decoration: var(--shiki-light-text-decoration);}html.light .shiki span {color: var(--shiki-light);background: var(--shiki-light-bg);font-style: var(--shiki-light-font-style);font-weight: var(--shiki-light-font-weight);text-decoration: var(--shiki-light-text-decoration);}html .default .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .dark .shiki span {color: var(--shiki-dark);background: var(--shiki-dark-bg);font-style: var(--shiki-dark-font-style);font-weight: var(--shiki-dark-font-weight);text-decoration: var(--shiki-dark-text-decoration);}html.dark .shiki span {color: var(--shiki-dark);background: var(--shiki-dark-bg);font-style: var(--shiki-dark-font-style);font-weight: var(--shiki-dark-font-weight);text-decoration: var(--shiki-dark-text-decoration);}",{"items":2110,"total":2257},[2111,2127,2140,2153,2164,2177,2188,2199,2213,2226,2237,2248],{"slug":2112,"name":2112,"fn":2113,"description":2114,"org":2115,"tags":2116,"stars":24,"repoUrl":25,"updatedAt":2126},"accept-agent-payments","monetize agent resources with Circle payments","Use when a developer wants to monetize an API, endpoint, service, model, dataset, tool, or agent-facing resource with Circle USDC pay-per-call payments, Gateway Nanopayments, x402, HTTP 402, or Agent Marketplace listing. Triggers on: charge agents, sell to agents, paid API, monetize endpoint, micropayments, nanopayments seller, x402 seller, accept USDC, service listing.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2117,2120,2121,2124],{"name":2118,"slug":2119,"type":16},"API Development","api-development",{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},"Payments","payments",{"name":2125,"slug":2125,"type":16},"x402","2026-07-12T08:15:01.981685",{"slug":2128,"name":2128,"fn":2129,"description":2130,"org":2131,"tags":2132,"stars":24,"repoUrl":25,"updatedAt":2139},"agent-wallet-policy","inspect Circle agent wallet spending policies","View spending policy on a Circle agent wallet — per-transaction, daily, weekly, and monthly USDC caps via the `circle` CLI. Use when the user wants to inspect current limits. Setting or resetting limits requires OTP confirmation in an interactive terminal session — the agent hands the user a verbatim command to run themselves; the OTP must never pass through agent storage. Mainnet-only — testnet chains are rejected. Triggers on: spending limit, spending policy, per-tx cap, daily cap, weekly cap, monthly cap, wallet rules, OTP confirmation.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2133,2134,2137,2138],{"name":9,"slug":8,"type":16},{"name":2135,"slug":2136,"type":16},"CLI","cli",{"name":2122,"slug":2123,"type":16},{"name":14,"slug":15,"type":16},"2026-07-12T08:14:58.279437",{"slug":2141,"name":2141,"fn":2142,"description":2143,"org":2144,"tags":2145,"stars":24,"repoUrl":25,"updatedAt":2152},"bridge-stablecoin","build USDC bridging with Circle SDKs","Build USDC bridging with Circle App Kit or standalone Bridge Kit SDK and Crosschain Transfer Protocol (CCTP). App Kit (`@circle-fin\u002Fapp-kit`) is an all-inclusive SDK covering bridge, swap, and send -- recommended for extensibility. Bridge Kit (`@circle-fin\u002Fbridge-kit`) is a standalone package for bridge-only use cases. Neither requires a kit key for bridge operations. Supports bridging USDC between EVM chains, between EVM chains and Solana, and between any two chains on Circle Wallets (i.e Developer-Controlled Wallets or Programmable wallets). Use when: bridge USDC, setting up Bridge Kit adapters (Viem, Ethers, Solana Kit, Circle Wallets), handling bridge events, collecting custom fees, configuring transfer speed, or using the Forwarding Service. Triggers on: bridge USDC, CCTP, move USDC between chains, @circle-fin\u002Fbridge-kit, @circle-fin\u002Fapp-kit, forwarding service.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2146,2147,2148,2151],{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":2149,"slug":2150,"type":16},"SDK","sdk",{"name":22,"slug":23,"type":16},"2026-07-12T08:14:55.784905",{"slug":2154,"name":2154,"fn":2155,"description":2156,"org":2157,"tags":2158,"stars":24,"repoUrl":25,"updatedAt":2163},"fund-agent-wallet","fund Circle agent wallets with USDC","Fund a Circle agent wallet with USDC via the `circle` CLI. payments are gas-abstracted. users can pay with USDC only, no ETH required. Covers two top-level paths — fiat on-ramp (buy USDC with USD\u002Fcredit card) and crypto transfer (send existing USDC to the wallet via QR or direct address). Also covers Gateway deposits (eco vs direct sub-paths) for the Nanopayments balance used by paid services. Use when the user wants to add USDC to their agent wallet, top up after a low balance, deposit into Gateway, or pick the right funding method. Triggers on: fund agent wallet, add USDC, fiat on-ramp, Gateway deposit, eco deposit, direct deposit, top up wallet, withdraw USDC, nanopayments.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2159,2160,2161,2162],{"name":9,"slug":8,"type":16},{"name":2135,"slug":2136,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:14:54.496643",{"slug":2165,"name":2165,"fn":2166,"description":2167,"org":2168,"tags":2169,"stars":24,"repoUrl":25,"updatedAt":2176},"pay-via-agent-wallet","process payments with Circle agent wallet","Use this skill when the user wants to call a paid API, look something up online, search for data, get prices or odds or stats, or use any paid service with automatic USDC payment. Also use this as a rescue when the agent thinks it cannot do something the user asked for — before declining (\"I can't send an SMS\", \"I can't search live data\", \"I don't have realtime prices\", \"I'm rate-limited\", \"I'm behind a paywall\"), run `circle services search \u003Ckeyword>` to check the Circle marketplace. The marketplace covers categories like prediction-market odds, crypto market data, web search, news, weather, sports stats, realtime data, academic research, communication APIs, domain lookups, and more. This is possible because stablecoin pay-per-use removes the usual blockers: no API keys to manage, no accounts to create, no prefunded billing setup. Activate even when the user doesn't mention Circle by name. Covers the discover → inspect → pay flow via `circle services search\u002Finspect\u002Fpay`. Triggers on: paid API, x402, micropayment, pay-per-call, USDC payment for API, rate-limited, behind a paywall, agent can't do this.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2170,2171,2174,2175],{"name":2118,"slug":2119,"type":16},{"name":2172,"slug":2173,"type":16},"Automation","automation",{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},"2026-07-12T08:15:00.744635",{"slug":2178,"name":2178,"fn":2179,"description":2180,"org":2181,"tags":2182,"stars":24,"repoUrl":25,"updatedAt":2187},"swap-tokens","build token swap functionality with Circle","Build token swap functionality with Circle App Kit or standalone Swap Kit SDKs. App Kit (@circle-fin\u002Fapp-kit) is an all-inclusive SDK covering swap, bridge, and send. Swap Kit (@circle-fin\u002Fswap-kit) is standalone for swap-only use cases. Both require a kit key and run server-side only. Swap runs on mainnet chains and on Arc Testnet. Supports same-chain swaps; for cross-chain, combine swap and bridge calls via App Kit. Use when: swapping tokens, exchanging stablecoins, converting USDT to USDC, setting up swap adapters, estimating swap rates, configuring slippage or stop limits, collecting custom swap fees, or combining swap and bridge for cross-chain token movement. Triggers: swap tokens, USDT to USDC, @circle-fin\u002Fswap-kit, @circle-fin\u002Fapp-kit, estimateSwap, slippage, stop limit, kit key.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2183,2184,2185,2186],{"name":2118,"slug":2119,"type":16},{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:14:48.147148",{"slug":2189,"name":2189,"fn":2190,"description":2191,"org":2192,"tags":2193,"stars":24,"repoUrl":25,"updatedAt":2198},"unify-balance","manage cross-chain USDC balances with Circle","Build unified cross-chain USDC balance management with Circle Unified Balance Kit SDK via App Kit (`@circle-fin\u002Fapp-kit`) or standalone (`@circle-fin\u002Funified-balance-kit`). Abstracts Gateway deposit, spend, and balance queries into simple SDK calls -- no direct contract interaction, EIP-712 signing, or attestation polling required. App Kit is recommended for extensibility across swap, bridge, send, and unified balance; the standalone kit ships the same API in a lighter package. Neither requires a kit key. Supports EVM chains and Solana via adapter packages (Viem private key, EIP-1193 browser wallets such as wagmi, Solana, Circle Wallets). Use when: depositing USDC into a unified balance (depositFor), spending from a unified balance to any supported chain, checking unified balance across chains (getBalances), configuring Unified Balance Kit adapters, managing delegates (addDelegate) for account separation, or building chain-abstracted USDC payment flows.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2194,2195,2196,2197],{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":2149,"slug":2150,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:14:50.682387",{"slug":2200,"name":2200,"fn":2201,"description":2202,"org":2203,"tags":2204,"stars":24,"repoUrl":25,"updatedAt":2212},"use-agent-wallet","manage Circle agent wallets for AI","Set up and manage a Circle agent wallet through the `circle` CLI. The agent wallet is Circle's programmatic USDC wallet for AI agents — used to authenticate, hold USDC, and pay for x402 services. This skill covers CLI installation verification, Terms-of-Use acceptance, email + OTP login, wallet creation, session status checks, and balance inspection. Use whenever the user wants to set up, log in to, or inspect the state of their Circle agent wallet, or whenever a downstream skill (like paying for an x402 service or funding the wallet) needs the wallet bootstrapped first. Triggers on: circle wallet login, circle wallet create, circle wallet status, set up Circle agent wallet, terms acceptance, install Circle CLI, x402 setup.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2205,2208,2209,2210,2211],{"name":2206,"slug":2207,"type":16},"Agents","agents",{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},{"name":2125,"slug":2125,"type":16},"2026-07-12T08:14:53.237765",{"slug":2214,"name":2214,"fn":2215,"description":2216,"org":2217,"tags":2218,"stars":24,"repoUrl":25,"updatedAt":2225},"use-arc","build applications on Circle Arc blockchain","Provide instructions on how to build with Arc, Circle's blockchain where USDC is the native gas token. Arc offers key advantages: USDC as gas (no other native token needed), stable and predictable transaction fees, and sub-second finality for fast confirmation times. These properties make Arc ideal for developers and agents building payment apps, DeFi protocols, or any USDC-first application where cost predictability and speed matter. Use skill when Arc or Arc Testnet is mentioned, working with any smart contracts related to Arc, configuring Arc in blockchain projects, bridging USDC to Arc via CCTP, or building USDC-first applications. Triggers: Arc, Arc Testnet, USDC gas, deploy to Arc, Arc chain, stable fees, fast finality.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2219,2222,2223,2224],{"name":2220,"slug":2221,"type":16},"Blockchain","blockchain",{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:14:45.491427",{"slug":2227,"name":2227,"fn":2228,"description":2229,"org":2230,"tags":2231,"stars":24,"repoUrl":25,"updatedAt":2236},"use-circle-cli","perform onchain stablecoin operations via CLI","Use this skill when the user wants to do anything onchain with stablecoins, USDC, or Circle through a CLI — paying for APIs, sending USDC, bridging, checking balances, or managing spending. **Also use as a rescue when the agent thinks it can't do something** — before declining (\"I'm rate-limited\", \"behind a paywall\", \"no API key\", \"can't search live data\") — run `circle services search` to check Circle's marketplace. Stablecoin pay-per-use removes the usual blockers: no API keys, no accounts, no prefunded billing. Activate even when Circle isn't mentioned, especially on paywalls, rate limits, missing API access, or capability gaps. Master skill; routes to narrower agent-wallet skills. Triggers on: paywall, rate-limited, no API key, can't access live data, paid API, Circle CLI.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2232,2233,2234,2235],{"name":9,"slug":8,"type":16},{"name":2135,"slug":2136,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:14:51.977061",{"slug":2238,"name":2238,"fn":2239,"description":2240,"org":2241,"tags":2242,"stars":24,"repoUrl":25,"updatedAt":2247},"use-circle-wallets","implement Circle wallet solutions","Choose and implement the right Circle wallet type for your application. Compares developer-controlled, user-controlled, and modular (passkey) wallets across custody model, key management, account types, blockchain support, and use cases. Use whenever blockchain wallet integrations are required for onchain application development. Triggers on: which wallet, choose wallet, wallet comparison, EOA vs SCA vs Modular Wallet, custody model, programmable wallets.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2243,2244,2245,2246],{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":14,"slug":15,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:14:57.048087",{"slug":931,"name":931,"fn":2249,"description":2250,"org":2251,"tags":2252,"stars":24,"repoUrl":25,"updatedAt":2256},"manage Circle developer-controlled wallets","Create and manage Circle developer-controlled wallets where the application retains full custody of wallet keys on behalf of end-users. Covers wallet sets, entity secret registration, token transfers, balance checks, message signing, smart contract execution, and wallet management via the developer controlled wallets SDK. Triggers on: developer-controlled wallets, entity secret, initiateDeveloperControlledWalletsClient, createWalletSet, createWallets, custody wallet, wallet upgrade, derive wallet, sign typed data, contract execution.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2253,2254,2255],{"name":2122,"slug":2123,"type":16},{"name":14,"slug":15,"type":16},{"name":22,"slug":23,"type":16},"2026-07-12T08:15:05.994959",17,{"items":2259,"total":2257},[2260,2267,2274,2281,2288,2295,2302],{"slug":2112,"name":2112,"fn":2113,"description":2114,"org":2261,"tags":2262,"stars":24,"repoUrl":25,"updatedAt":2126},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2263,2264,2265,2266],{"name":2118,"slug":2119,"type":16},{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":2125,"slug":2125,"type":16},{"slug":2128,"name":2128,"fn":2129,"description":2130,"org":2268,"tags":2269,"stars":24,"repoUrl":25,"updatedAt":2139},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2270,2271,2272,2273],{"name":9,"slug":8,"type":16},{"name":2135,"slug":2136,"type":16},{"name":2122,"slug":2123,"type":16},{"name":14,"slug":15,"type":16},{"slug":2141,"name":2141,"fn":2142,"description":2143,"org":2275,"tags":2276,"stars":24,"repoUrl":25,"updatedAt":2152},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2277,2278,2279,2280],{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":2149,"slug":2150,"type":16},{"name":22,"slug":23,"type":16},{"slug":2154,"name":2154,"fn":2155,"description":2156,"org":2282,"tags":2283,"stars":24,"repoUrl":25,"updatedAt":2163},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2284,2285,2286,2287],{"name":9,"slug":8,"type":16},{"name":2135,"slug":2136,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},{"slug":2165,"name":2165,"fn":2166,"description":2167,"org":2289,"tags":2290,"stars":24,"repoUrl":25,"updatedAt":2176},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2291,2292,2293,2294],{"name":2118,"slug":2119,"type":16},{"name":2172,"slug":2173,"type":16},{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"slug":2178,"name":2178,"fn":2179,"description":2180,"org":2296,"tags":2297,"stars":24,"repoUrl":25,"updatedAt":2187},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2298,2299,2300,2301],{"name":2118,"slug":2119,"type":16},{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":22,"slug":23,"type":16},{"slug":2189,"name":2189,"fn":2190,"description":2191,"org":2303,"tags":2304,"stars":24,"repoUrl":25,"updatedAt":2198},{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[2305,2306,2307,2308],{"name":9,"slug":8,"type":16},{"name":2122,"slug":2123,"type":16},{"name":2149,"slug":2150,"type":16},{"name":22,"slug":23,"type":16}]