Agent skill

Use Circle Wallets

by circlefin in circlefin/skills

Choose and implement the right Circle wallet type for your application.

Apache-2.0Auto-check passedSecurity

Install Use Circle Wallets

skills CLI
$ npx skills add circlefin/skills --skill use-circle-wallets -a claude-code

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

GitHub CLI
$ gh skill install circlefin/skills use-circle-wallets --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-circle-wallets .claude/skills/use-circle-wallets && 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-circle-wallets
GitHub stars
155
Token cost
~1.3k tokens
SKILL.md length
565 words
Files
2 (incl. references)
Skills in repo
18
Repo updated
First seen
Licence
Apache-2.0

At a glance

Choose and implement the right Circle wallet type for your application.

  • Works in 4 steps: Who controls the keys / who is the… → Auth method? → Account type? → …
  • Blockchain wallet integrations are required for onchain application development
  • SKILL.md covers Overview, Quick Comparison, Decision Guide and Implementation Patterns, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Use Circle Wallets is an agent skill from circlefin/skills. Choose and implement the right Circle wallet type for your application. Compares developer-controlled, user-controlled, and modular (passkey) wallets across custody model, key management, account types, blockchain support, and use cases. Use whenever blockchain wallet integrations are required for onchain application development. Triggers on: which wallet, choose wallet, wallet comparison, EOA vs SCA vs Modular Wallet, custody model, programmable wallets.

Its SKILL.md is about 1.3k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/example-scenarios.md`).

It sits in Security, covering Cryptography. It works with Circle USDC. 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

  • Blockchain wallet integrations are required for onchain application development
  • Wallet comparison
  • EOA vs SCA vs Modular Wallet
  • Programmable wallets

Example prompts

  • “/use-circle-wallets”

Workflow steps

4 steps, taken from the first numbered list in SKILL.md.

  1. Who controls the keys / who is the custodian?
  2. Auth method?
  3. Account type?
  4. Chain check (Modular wallets)

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.

    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):

    • 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 Circle Wallets loads about 1.3k tokens when it runs, and up to ~1.5k if it reads all its reference files. Until then it costs about 120 tokens; SKILL.md has 565 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~120
When it runs · the whole SKILL.md, loaded when a task matches
~1.3k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~1.5k

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). 565 words, ~1,347 tokens.

Download SKILL.mdSave it as .claude/skills/use-circle-wallets/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.
name
use-circle-wallets
description
Choose and implement the right Circle wallet type for your application. Compares developer-controlled, user-controlled, and modular (passkey) wallets across custody model, key management, account types, blockchain support, and use cases. Use whenever blockchain wallet integrations are required for onchain application development. Triggers on: which wallet, choose wallet, wallet comparison, EOA vs SCA vs Modular Wallet, custody model, programmable wallets.

Overview

Circle offers three wallet types -- developer-controlled, user-controlled, and modular -- each with different custody models, account types, key management, and capabilities. This skill helps you pick the right one.

Quick Comparison

Developer-ControlledUser-ControlledModular (Passkey)
CustodyDeveloperUserUser
AuthAPI key + entity secret (backend)Social login / email OTP / PINPasskey (WebAuthn)
Account typesEOA, SCAEOA, SCAModular Wallet SCA (ERC-6900)
Gas sponsorshipSCA via Circle PaymasterSCA via Circle PaymasterCircle Paymaster or third-party paymaster
Custom modulesNoNoYes
ArchitectureBackend SDK onlyBackend + frontend SDKsFrontend SDK only

Decision Guide

For the latest supported account types on different blockchains: https://developers.circle.com/wallets/account-types

For the latest supported features on different blockchains: https://developers.circle.com/wallets/supported-blockchains

  1. Who controls the keys / who is the custodian?
    • Developer controls -> Developer-controlled wallets -> step 3
    • End user controls -> step 2
  2. Auth method?
    • Passkey (WebAuthn biometric) with extensible modules -> Modular wallets -> step 4
    • Social login, email OTP, or PIN -> User-controlled wallets -> step 3
  3. Account type?
    • Solana, Aptos, or NEAR -> EOA (only option)
    • Ethereum mainnet -> EOA (SCA gas costs prohibitive, Modular Wallet not supported)
    • L2 (Arbitrum, Base, Polygon, Optimism, etc.) -> EOA if max TPS needed; SCA if gas sponsorship or batching needed; Modular Wallet if passkey or other modular plugins needed
  4. Chain check (Modular wallets)
    • Supported: Arbitrum, Avalanche, Base, Monad, Optimism, Polygon, Unichain
    • NOT supported: Ethereum, Solana, Aptos, NEAR. Fall back to user-controlled wallets with SCA.
Example scenarios

READ references/example-scenarios.md for common scenarios mapped to a wallet-type decision and the skill to implement it.

Implementation Patterns

Once a wallet type has been determined, TRIGGER the corresponding skill:

  • Developer-controlled -> use-developer-controlled-wallets skill
  • User-controlled -> use-user-controlled-wallets skill
  • Modular (Passkey) -> use-modular-wallets skill

Strict Rules

  • ALWAYS select the wallet type before starting implementation using the comparison table and decision guide above.
  • ALWAYS use EOA on Ethereum mainnet (SCA gas prohibitive, Modular Wallet not supported) and on Solana, Aptos, NEAR (SCA/Modular Wallet not available).
  • ALWAYS prefer SCA or Modular Wallet on L2 chains (Arbitrum, Base, Polygon, Optimism, etc.) when gas sponsorship or batch operations are needed.
  • NEVER mix wallet types in a single user flow -- pick one and use its corresponding skill.
  • ALWAYS delegate to the specific wallet skill (use-developer-controlled-wallets, use-user-controlled-wallets, or use-modular-wallets) for implementation.
Show full SKILL.md (203 more words)Show less

Safety & Escalation

This skill only recommends a wallet type; it performs no on-chain writes, transfers, signing, or key operations itself. Every side effect — creating a wallet, signing, sending funds, deploying a contract — happens in the delegated implementation skill, which owns confirmation for those actions.

Escalate before delegating when:

  • Missing context — the custody model, target chain, or auth method is unclear. Ask the user; do not guess a wallet type.
  • Missing access — the user lacks a Circle account, an API key + entity secret (developer-controlled), or a configured passkey domain (modular). Direct them to set that up first.
  • Unsafe effects — the selected path will move real funds on mainnet. Flag that the implementation skill must obtain explicit user confirmation before any mainnet transaction.
  • User approval — confirm the chosen wallet type with the user before handing off to the implementation skill.

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 1 other file (references) in plugins/circle/skills/use-circle-wallets of circlefin/skills.

  • SKILL.md
  • references/example-scenarios.md

Open the folder on GitHubat commit 58ab864

Compare with similar skills

Use Circle Wallets 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 Circle Wallets compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Use Circle Wallets this skillcirclefin/skills155—~1.3kAutomated safety check: PassApache-2.0
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Implementing Mtls For Zero Trust Servicesmukul975/Anthropic-Cybersecurity-Skills34k—~650Automated safety check: PassApache-2.0
Implementing Sigstore For Software Signingmukul975/Anthropic-Cybersecurity-Skills34k—~3.2kAutomated safety check: NotesApache-2.0
Azure Keyvault Keys Rustaiskillstore/marketplace4304 repos~1.1kAutomated safety check: PassNone

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Works with

Categories

Questions about Use Circle Wallets

What does Use Circle Wallets do?

Choose and implement the right Circle wallet type for your application. Use Circle Wallets is an agent skill from circlefin/skills. Choose and implement the right Circle wallet type for your application.

When should I use Use Circle Wallets?

Use Circle Wallets fits situations like: blockchain wallet integrations are required for onchain application development; wallet comparison; EOA vs SCA vs Modular Wallet; programmable wallets.

How do I install Use Circle Wallets in Claude Code?

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

How do I install Use Circle Wallets in Codex?

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

Can I use Use Circle Wallets 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-circle-wallets -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-circle-wallets, .gemini/skills/use-circle-wallets, .github/skills/use-circle-wallets and .opencode/skills/use-circle-wallets in your project.

What does Use Circle Wallets need to run?

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

Does Use Circle Wallets access the network?

SKILL.md names 2 domains. As links in the text: developers.circle.com and console.circle.com. This is read from the text; nothing was executed.

Is Use Circle Wallets 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 Circle Wallets use?

Use Circle Wallets 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 Circle Wallets use?

About 1.3k tokens (SKILL.md is roughly 5.4k 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 176 tokens, read only when the agent opens those files.

What are the alternatives to Use Circle Wallets?

Skills that share tags, products or a category with Use Circle Wallets: Corbits Marketplace (moonpay/skills, 113 stars), Webcrypt MCP (putervision/state-memory-mcp, 111 stars), Implementing Mtls For Zero Trust Services (mukul975/Anthropic-Cybersecurity-Skills, 34k stars) and Implementing Sigstore For Software Signing (mukul975/Anthropic-Cybersecurity-Skills, 34k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Use Circle Wallets?

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.