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

# Core concepts

> Learn AgentBank accounts, wallets, assets, routes, payments, identity, scopes, and idempotency.

## 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.

## 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.

## Assets and amounts

Crypto assets use a ticker and chain:

```json theme={null}
{ "type": "crypto", "ticker": "USDC", "chain": "worldchain" }
```

Fiat assets use a currency symbol and no chain:

```json theme={null}
{ "type": "fiat", "symbol": "VND" }
```

Human-facing amounts are decimal strings. `exact_source` fixes the amount sent;
`exact_destination` fixes the amount received and may return a source ceiling.

## 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.

## 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.

## 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.

## 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.