> ## Documentation Index
> Fetch the complete documentation index at: https://docs.privy.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Agent wallets

> Build your own agent wallet in your app. Fund it, hold funds securely, and spend across every rail.

Privy enables your app to build its own agent wallet, fully whitelabeled and under your brand.

With one integration, users fund their agent with cards, bank transfers, or stablecoins. The agent holds those funds securely within limits the user sets, and spends them across stablecoins, bank transfers, cards, and HTTP payments.

> [card] [Fund](#fund-with-one-integration)
>
> Cards, ACH, wire, and stablecoins into one balance.

> [card] [Hold securely](#hold-funds-securely)
>
> Policies and controls that limit what the agent can do.

> [card] [Spend](#spend-across-every-rail)
>
> Send stablecoins, bank transfers, card spend, and x402 and MPP.

> [card] [Whitelabel](#fully-whitelabel-and-easy-to-build)
>
> Your brand and your UI, on Privy, Stripe, and Bridge infrastructure.

## Flexible ownership and access

An agent can own its wallet or act on a user's behalf.

* **Agent-owned**: Your app creates the wallet, and the agent signs with an [authorization key](https://docs.privy.io/controls/authorization-keys/owners/overview.md). See the [agentic wallets recipe](https://docs.privy.io/recipes/agent-integrations/agentic-wallets.md).
* **Delegated**: The agent transacts from a user's wallet, scoped by policies. The user can revoke access at any time. There are two ways to delegate:
  * **Signer key**: The user adds the agent's key as a [signer](https://docs.privy.io/wallets/using-wallets/signers/overview.md) on their wallet.
  * **[Agent Authorization](https://docs.privy.io/agent-wallets/agent-authorization.md)**: The user approves the agent once in a browser, and the agent receives short-lived access tokens. This suits self-hosted agents like Claude Code, Codex, and OpenClaw. The [Privy Agent Wallet Sandbox](https://docs.privy.io/agent-wallets/agent-cli.md) uses Agent Authorization.

## Fund with one integration

One integration covers every way a user funds an agent. Fiat converts to stablecoins and lands in the agent's wallet automatically.

| Method | Rails | Powered by |
| - | - | - |
| Cards | Debit card, credit card, Apple Pay | [Stripe crypto onramp](https://docs.privy.io/financial-flows/deposits/configuration.md) |
| ACH and wire | Bank transfers to a dedicated account | [Bridge virtual accounts](https://docs.privy.io/wallets/funding/fiat-deposits/overview.md) |
| Stablecoins | Any supported chain and token | [Privy crypto deposits](https://docs.privy.io/wallets/funding/crypto-deposits/overview.md) |

The [deposit modal](https://docs.privy.io/wallets/funding/use-deposit-funds.md) offers all of these in one prebuilt UI for React and React Native. For a fully embedded, one-tap Apple Pay flow, see the [Stripe embedded onramp](https://docs.privy.io/recipes/stripe-embedded-onramp.md).

## Hold funds securely

Privy's [policy engine](https://docs.privy.io/controls/policies/overview.md) enforces the user's rules inside a secure enclave before anything is signed. A compromised agent or modified client cannot bypass them. Policies can cap amounts per transaction or over a [time window](https://docs.privy.io/controls/policies/stateful-policies.md), allowlist recipients and contracts, restrict chains and tokens, and [block sanctioned addresses](https://docs.privy.io/recipes/agent-integrations/x402-sanctions-screening.md).

## Spend across every rail

Agents spend from the same balance on every rail, and the wallet's policies apply to each one.

| Spend type | Use case | Learn more |
| - | - | - |
| Send stablecoins | Pay another agent, merchant, or wallet onchain | [Wallet actions](https://docs.privy.io/wallets/actions/overview.md#available-actions) |
| Bank transfers | Pay out to a bank account over ACH, wire, SEPA, and more, powered by Bridge | [Fiat payouts](https://docs.privy.io/financial-flows/transfers/fiat-payouts/overview.md) |
| Card spend | Spend at any merchant that accepts Visa | [Cards](https://docs.privy.io/financial-flows/cards/overview.md) |
| x402 and MPP | Pay per request for APIs, data, and content over HTTP | [x402](https://docs.privy.io/recipes/agent-integrations/x402.md), [MPP](https://docs.privy.io/recipes/agent-integrations/mpp.md) |

## Fully whitelabel and easy to build

Your app owns the experience and the brand. Wallets, bank accounts, and cards all belong to your app's users, inside your app's UI.

Privy handles key management and policy enforcement. Stripe and Bridge handle payments, KYC, and fiat settlement. Your app builds the experience with the Privy SDKs, or ships faster with prebuilt components for [deposits](https://docs.privy.io/wallets/funding/use-deposit-funds.md) and [cards](https://docs.privy.io/financial-flows/cards/pre-built-components/overview.md).

## Try it

The [Privy Agent Wallet Sandbox](https://agents.privy.io) shows an agent wallet end to end. Sign in, fund a wallet with the Stripe onramp, connect an agent through the CLI, and watch it pay for APIs with x402 and MPP.

> [card] [Agent Authorization](https://docs.privy.io/agent-wallets/agent-authorization.md)
>
> Give self-hosted agents authorized access to user wallets.

> [card] [Privy Agent Wallet Sandbox](https://docs.privy.io/agent-wallets/agent-cli.md)
>
> Give any agent a wallet with one command. No integration code needed.