Agent wallet

An agent wallet is a cryptocurrency wallet whose key material the AI agent — not a human operator — uses to sign transactions. The wallet may be fully self-custodied by the agent process, scoped via a smart-account session key, or held in a confidential compute environment the agent can reach. In every case the defining property is the same: the agent transacts under its own identity, not a human’s.

Why not share a wallet with the operator?

• Attribution. A separate wallet means every transaction is provably the agent’s, simplifying accounting, audits, and incident response.
• Blast radius. A compromised agent can’t drain the operator’s personal funds — only its own balance.
• Multi-agent operations. Each agent gets its own ledger so you can track profitability, set per-agent limits, and revoke one without touching the others.
• Programmability. A dedicated wallet can carry policy (per-tx caps, allowlists, daily limits) that doesn’t apply to the operator’s wallet.

How Solobank implements it

Solobank generates a Solana Ed25519 keypair for each agent and exposes five typed features (Savings, Checking, Credit, Invest, Swap) on top of it. The agent reaches the wallet through the MCP server, the CLI, or the SDK directly. Spending limits, allowlists, and an emergency lock live in the wallet’s policy layer, not in the prompt — so a prompt-injected agent still can’t exceed its budget.

npx -y @solobank/cli@latest init
# wallet saved to ~/.config/solobank/id.json