owner, which defines who controls the wallet.
- To create a user wallet, specify a user ID as an owner of the wallet. This ensures only the authenticated user has access to their wallet. All client-side SDKs create user wallets by default and automatically set the wallet owner as the authenticated user.
- Or, you can specify an authorization key as an
owneron a wallet. The holder of the authorization key, typically your application backend, controls the wallet. You must use a server-side SDK to create wallets owned by an authorization key.

