Circle Agent Wallets

USDC wallets with x402 payments and spending controls.

How it works

Create and fund an agent wallet with Circle CLI, then set spending rules. The agent can hold, transfer and bridge USDC across supported networks and pay for services through x402.

At checkout

For x402 services, the wallet handles a signed payment within the request; there is no card checkout. Circle Agent Nanopayments can be used for sub-cent USDC payments.

Security

Circle describes user-controlled wallets using 2-of-2 MPC, with key shares kept from the agent. Users can configure time-based spending limits, recipient allowlists and contract blocklists.

Based on provider documentation · Checked November 6, 2026