Account Types

There are three kinds of account, all running on the same rails. They share the wallet infrastructure, the confidential transfer engine, and the guarantees. The differences are in who holds the keys, who can approve what, and how much supervision is layered above.

Personal

Built for an individual managing their own funds.

Capabilities:

• Stores USDG and ETH, and sends and receives confidential transfers
• Comes with a @handle, so nobody needs to paste an address
• Generates request links and QR codes whenever you need them
• Lets you export decrypted history when it is time to file taxes

Privacy:

• Everything is encrypted from the start; there is no setting to forget
• Nothing is disclosed unless you create a proof to disclose it

Business

Built for organizations where multiple people need visibility into one balance, with no one sharing a key.

Capabilities:

• All Personal features
• Multiple authorized signers, each assigned a specific role
• Higher default limits after enhanced verification is complete
• Bulk payouts for payroll and supplier payments

Privacy:

• The same confidentiality a Personal account gets
• Exports formatted to import directly into accounting and tax tools

Agent

A wallet designed from the ground up for software rather than a human holder.

Capabilities:

• Has its own Robinhood Chain smart account and Agent ID, scoped under a parent (@username/agent-name)
• Operates within a spend policy set by the parent: daily limits, approved counterparties, asset restrictions, and operating hours
• Supports x402 natively, no adapter required
• Copies each payment into the parent's feed in real time

Privacy:

• Encrypted by default, just like an account held by a person
• An optional approval step for amounts above a threshold the parent sets

For setup and oversight in detail, read Wallets for Agents.

At a glance

Agent accounts cannot stand alone. Each one belongs to a Personal or Business parent, must be created from that parent, and follows a policy the parent can change at any time. The agent has the freedom to act, and you retain control.