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Agent skill

Use Agent Wallet

by circlefin in circlefin/skills

Set up and manage a Circle agent wallet through the circle CLI.

Apache-2.0Auto-check passedLegal & Compliance

Install Use Agent Wallet

skills CLI
$ npx skills add circlefin/skills --skill use-agent-wallet -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install circlefin/skills use-agent-wallet --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/circlefin/skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/circle/skills/use-agent-wallet .claude/skills/use-agent-wallet && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
use-agent-wallet
GitHub stars
155
Token cost
~2.4k tokens
SKILL.md length
1,248 words
Files
4 (incl. references)
Skills in repo
18
Repo updated
First seen
Licence
Apache-2.0

At a glance

Set up and manage a Circle agent wallet through the circle CLI.

  • Works in 2 steps: Verify the CLI is installed → Check session status
  • The user wants to set up
  • SKILL.md covers Overview, Workflow, Prerequisites / Setup and Step 3 — Login (email + OTP), plus 7 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Use Agent Wallet is an agent skill from circlefin/skills. Set up and manage a Circle agent wallet through the circle CLI. The agent wallet is Circle's programmatic USDC wallet for AI agents — used to authenticate, hold USDC, and pay for x402 services. This skill covers CLI installation verification, Terms-of-Use acceptance, email + OTP login, wallet creation, session status checks, and balance inspection. Use whenever the user wants to set up, log in to, or inspect the state of their Circle agent wallet, or whenever a downstream skill (like paying for an x402 service or…

Its SKILL.md is about 2.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including reference files (for example `references/install-and-login.md`, `references/terms-of-use.md` and `references/wallet-management.md`).

It sits in Legal & Compliance, covering Policy and terms drafting. It works with Circle USDC and x402. The repository describes itself as: Circle's open source skills for AI-assisted development. The licence is Apache-2.0.

When your agent uses it

  • The user wants to set up
  • Inspect the state of their Circle agent wallet
  • Whenever a downstream skill (like paying for an x402 service
  • Funding the wallet) needs the wallet bootstrapped first

Example prompts

  • “/use-agent-wallet”

Workflow steps

2 steps, taken from the step headings in SKILL.md.

  1. Verify the CLI is installed
  2. Check session status

What it can do on your machine

Read from SKILL.md and the folder at commit 58ab864. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md (its code samples are bash).

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    Links to these hosts (documentation or services it may open):

    • agents.circle.com
    • developers.circle.com
    • console.circle.com

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Use Agent Wallet loads about 2.4k tokens when it runs, and up to ~4.1k if it reads all its reference files. Until then it costs about 188 tokens; SKILL.md has 1,248 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~188
When it runs · the whole SKILL.md, loaded when a task matches
~2.4k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~4.1k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from circlefin/skills at commit 58ab864, republished under its Apache-2.0 licence (© circlefin). 1,248 words, ~2,444 tokens.

Download SKILL.mdSave it as .claude/skills/use-agent-wallet/SKILL.md (or your agent's skills folder). This skill also uses 3 other files; get the full folder from GitHub.
name
use-agent-wallet
description
Set up and manage a Circle agent wallet through the `circle` CLI. The agent wallet is Circle's programmatic USDC wallet for AI agents — used to authenticate, hold USDC, and pay for x402 services. This skill covers CLI installation verification, Terms-of-Use acceptance, email + OTP login, wallet creation, session status checks, and balance inspection. Use whenever the user wants to set up, log in to, or inspect the state of their Circle agent wallet, or whenever a downstream skill (like paying for an x402 service or funding the wallet) needs the wallet bootstrapped first. Triggers on: circle wallet login, circle wallet create, circle wallet status, set up Circle agent wallet, terms acceptance, install Circle CLI, x402 setup.

Overview

The Circle CLI (@circle-fin/cli, command circle) provides a programmatic agent wallet — a non-custodial USDC wallet designed for AI agents to authenticate, hold balances, and pay for paid x402 services on Circle's marketplace. This skill is the bootstrap surface for that wallet: install check, terms acceptance, login, wallet creation, and status inspection. After bootstrap completes, downstream operations (paying for services, funding, spending policy) hand off to dedicated skills.

For an overview of the Circle CLI's full capability set — bridging, smart contract execution, transaction inspection, and more — see the use-circle-cli master skill. This skill is the narrower bootstrap/identity surface.

Workflow

  1. Verify the CLI is installed, then check session status with circle wallet status before anything else.
  2. If the Terms-of-Use gate appears, complete the show-Terms-and-consent flow first — never accept on the user's behalf.
  3. If not logged in, run the two-step email + OTP login, then verify the session.
  4. List existing agent wallets, or create them if none exist (--chain defaults to ARC).
  5. Check the wallet balance; if it is 0 USDC and the user wants to pay, hand off to fund-agent-wallet. Otherwise bootstrap is complete.

Prerequisites / Setup

Step 1 — Verify the CLI is installed
bash
which circle || command -v circle
circle --version

If circle is not installed, or circle --version prints a server-driven update notice, READ references/install-and-login.md for installation and update-notice guidance.

Step 2 — Check session status

Always check whether the user is already logged in before attempting login.

bash
circle wallet status

Possible outcomes:

  • Logged in — output shows email, wallet type (agent), and session expiry. Tell the user "You're already logged in as <email>. Continue with this session?" and skip to Step 4.
  • Not logged in — output is Error: Not logged in. Run 'circle wallet login <email> --type agent' to authenticate. Proceed to Step 3.
  • Terms not accepted — output is Error: Circle CLI Terms acceptance is required before use. Stop and complete the Terms-of-Use Gate below before proceeding. Do NOT run circle terms accept without explicit user consent.

Step 3 — Login (email + OTP)

Circle's CLI supports a two-step OTP login designed for AI agents and other non-interactive contexts: ask the user for their email (never guess or hardcode it), request an OTP with --init, then complete login with the returned request ID and the OTP code (e.g., ABC-123456), and verify with circle wallet status. Request IDs are single-use and expire after 10 minutes.

READ references/install-and-login.md for the exact commands, expected outputs, OTP format notes, failure handling, and how to log out / switch accounts.

Step 4 — Check or create the agent wallet

The --chain flag is REQUIRED for circle wallet list and circle wallet balance. Use ARC as the default if the user hasn't specified a chain. List existing agent wallets; if none exist, circle wallet create provisions agent-controlled SCA wallets on each supported EVM chain, then read the per-chain addresses from its JSON output.

READ references/wallet-management.md for the exact circle wallet list, circle wallet create, and circle wallet balance commands and how to read their JSON output.

Step 5 — Check wallet balance

Check the balance for each saved address (see references/wallet-management.md). If balance is 0 USDC and the user wants to pay for services, hand off to the fund-agent-wallet skill — it covers built-in fiat on-ramp purchase, direct address transfer with a QR code, and Gateway deposits. If the user only wants to verify state (not pay yet), stop here. Bootstrap is complete.

After bootstrap

Once the wallet exists, the user's likely next move is to use it. The CLI exposes its own skill catalog — circle skill list shows what's installable, circle skill info --name <skill> shows trigger and frontmatter detail, and circle skill install --tool <host> --name <skill> installs one for the current host. Suggest natural follow-ups like funding, paid-service search, or setting a spending limit; prefer permissionless actions (balance, search) over money-moving ones until the user asks.

Terms-of-Use Gate

The Circle CLI hard-gates every operational circle wallet command (including circle wallet status) until the user has accepted Circle's Terms of Use and Privacy Policy on this machine. Run this gate the first time it appears (typically during Step 2 or Step 3). After acceptance is recorded once, the gate is a no-op and is skipped on subsequent runs.

CRITICAL: The agent MUST show the Terms to the user and obtain explicit consent BEFORE running circle terms accept. The agent MUST NEVER accept Circle's Terms of Use or Privacy Policy on the user's behalf. The CLI's CIRCLE_ACCEPT_TERMS=1 env-var hint is NOT a workaround the agent may take on its own — ignore it and use the consent flow in references/terms-of-use.md.

READ references/terms-of-use.md for the gate's exact error text, the circle terms show / circle terms show --init / circle terms accept / circle terms reset commands, and the required show-Terms-and-request-consent flow.

Show full SKILL.md (470 more words)Show less

Rules

Security
  • NEVER guess or hardcode the user's email address for agent wallet login.
  • OTP codes provided during an active authentication session are safe to handle — accept them in chat, use them immediately, do not retain or reuse afterward.
  • NEVER include real private keys, API keys, or other persistent secrets in skill files or persist them anywhere.
  • NEVER run circle terms accept without explicit user consent in the current session. The agent MUST NEVER accept Circle's Terms on the user's behalf, and MUST NEVER call circle terms accept automatically as part of error recovery, retries, or any flow the user has not explicitly approved.
  • ALWAYS show the live termsOfUseUrl, privacyPolicyUrl, and termsNotice returned by circle terms show --init --output json when prompting for consent. Do NOT summarize, paraphrase, or hardcode them.
  • If the user declines the Terms, stop the flow. Do not retry, work around the gate, or call circle terms reset / circle terms accept.
Best practices
  • ALWAYS check circle wallet status before attempting login. Many session "failures" are actually just stale assumptions.
  • Parse and store the request ID from circle wallet login --init output — you'll need it for the OTP completion step.
  • Request IDs are single-use and expire after 10 minutes. If you see "Invalid or expired request ID", restart from --init.
  • If a circle command causes friction during setup (unexpected error, confusing output, missing capability), file feedback per the use-circle-cli skill's Report friction (feedback) section.
  • For general CLI rules (--output json, --chain, --help-first, follow-up phrasing, confirmation defaults), see the use-circle-cli master skill's Rules section — they apply here too.

Alternatives

Trigger the pay-via-agent-wallet skill instead when:

  • The user wants to call, pay for, or use a paid x402 service.
  • The user mentions circle services search, circle services inspect, or circle services pay.
  • A downstream task requires money to move out of the agent wallet to a paid endpoint.

Trigger the fund-agent-wallet skill instead when:

  • The agent wallet has 0 USDC and the user wants to add funds.
  • The user mentions deposit, fiat on-ramp, fiat purchase, QR-code transfer, or Gateway deposit.
  • A payment flow blocks because of insufficient balance.

Trigger the agent-wallet-policy skill instead when:

  • The user wants to set, view, or reset spending limits on the wallet.
  • The user mentions per-tx / daily / weekly / monthly caps, spending policy, or wallet rules.

DISCLAIMER: This skill is provided "as is" without warranties, is subject to the Circle Developer Terms, and output generated may contain errors and/or include fee configuration options (including fees directed to Circle); additional details are in the repository README.

© circlefin, Apache-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 3 other files (references) in plugins/circle/skills/use-agent-wallet of circlefin/skills.

  • SKILL.md
  • references/install-and-login.md
  • references/terms-of-use.md
  • references/wallet-management.md

Open the folder on GitHubat commit 58ab864

Compare with similar skills

Use Agent Wallet next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Use Agent Wallet compared with similar skills
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Agentic Walletcoinbase/agentic-wallet-skills1272 repos~1kAutomated safety check: PassMIT
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Polymarket TradingBlockRunAI/ClawRouter6.6k—~1.4kAutomated safety check: PassMIT

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Works with

Categories

Questions about Use Agent Wallet

What does Use Agent Wallet do?

Set up and manage a Circle agent wallet through the circle CLI. Use Agent Wallet is an agent skill from circlefin/skills. Set up and manage a Circle agent wallet through the circle CLI.

When should I use Use Agent Wallet?

Use Agent Wallet fits situations like: the user wants to set up; inspect the state of their Circle agent wallet; whenever a downstream skill (like paying for an x402 service; funding the wallet) needs the wallet bootstrapped first.

How do I install Use Agent Wallet in Claude Code?

Run `npx skills add circlefin/skills --skill use-agent-wallet -a claude-code`. Or copy the skill folder (plugins/circle/skills/use-agent-wallet in circlefin/skills) into .claude/skills/use-agent-wallet in your project. Claude Code loads it when a task matches its description.

How do I install Use Agent Wallet in Codex?

Run `npx skills add circlefin/skills --skill use-agent-wallet -a codex`. Or copy the skill folder (plugins/circle/skills/use-agent-wallet in circlefin/skills) into .agents/skills/use-agent-wallet in your project. Codex loads it when a task matches its description.

Can I use Use Agent Wallet in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add circlefin/skills --skill use-agent-wallet -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/use-agent-wallet, .gemini/skills/use-agent-wallet, .github/skills/use-agent-wallet and .opencode/skills/use-agent-wallet in your project.

What does Use Agent Wallet need to run?

SKILL.md names no scripts, command-line tools or credentials: Use Agent Wallet is instructions for the agent only.

Does Use Agent Wallet access the network?

SKILL.md names 3 domains. As links in the text: agents.circle.com, developers.circle.com and console.circle.com. This is read from the text; nothing was executed.

Is Use Agent Wallet safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Use Agent Wallet use?

Use Agent Wallet is published under the Apache-2.0 licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Use Agent Wallet use?

About 2.4k tokens (SKILL.md is roughly 9.8k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1.6k tokens, read only when the agent opens those files.

What are the alternatives to Use Agent Wallet?

Skills that share tags, products or a category with Use Agent Wallet: Quickintel Scan (LeoYeAI/openclaw-master-skills, 2.2k stars), Kleros IPFS Upload (internet-court/internet-court-skill, 6.5k stars), Agentic Wallet (coinbase/agentic-wallet-skills, 127 stars) and Master Agreement Generator (affaan-m/ECC, 276k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Use Agent Wallet?

circlefin (a GitHub organization) maintains it in circlefin/skills, which has 155 GitHub stars. The repository holds 18 skills in this directory. The repository was last updated on September 16, 2026.

Source: circlefin/skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.