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Account owner and connected agent

The account owner signs in to AgentBank and authorizes a local installation or hosted OAuth connection. Each connected agent has its own scopes and connection-scoped payment history. Local installations also have a protected local credential profile.

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AgentBank wallet

Authorization makes the user’s bound Privy wallet available through the connection’s supported tools. Wallet tools return public wallet information and balances; they never expose a private key or seed phrase.

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Assets and amounts

Crypto assets use a ticker and chain:
Fiat assets use a currency symbol and no chain:
Human-facing amounts are decimal strings. exact_source fixes the amount sent; exact_destination fixes the amount received and may return a source ceiling.

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Quote, estimate, and durable payment

  • A quote-book offer is anonymous route discovery.
  • An estimate previews a complete route but is ephemeral and has no ID.
  • A durable payment begins at create_payment and survives MCP restarts.
  • A payment instruction is the current Core-owned action for that payment.

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Routes and settlement assets

A direct route has one step. Fiat-to-fiat and some token-to-fiat routes use two steps joined by an explicit crypto settlement asset. The agent must choose that common asset from live pairs; Core does not currently auto-plan it.

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Identity mechanisms

  • Browser authorization connects the agent and wallet.
  • KYC determines eligibility for supported fiat markets.
  • World ID payment authorization approves a payment when Core returns approval_required.
  • AgentKit verification verifies the agent wallet and may enable sponsored gas where supported.
A hosted spending grant is a separate bounded Privy permission for funding the current compatible crypto-deposit instruction. It does not replace payment review or World ID authorization.

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Request IDs

Mutating tools use stable request IDs for idempotency. Reuse an ID only for the same logical request and identical payload. Changed details require a new ID.