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

# Wallets

> Fund-holding primitives attached to accounts and agents.

A **wallet** is the thing that actually holds money in Sly. Every transfer moves funds between wallets; every stream flows from a wallet; every balance query reads a wallet.

Wallets belong to either an account (parent wallets) or an agent (agent wallets). The distinction matters for policy enforcement:

* **Account wallets** — policy set at the account level; typically funded from the outside (bank wire, on-ramp) and used to pay humans or other businesses.
* **Agent wallets** — policy set at the agent level; funded from a parent account wallet or from earnings; spending is gated by [KYA tier](/agents/kya-tiers) + [wallet policy](/agents/wallet-policies).

## Wallet shape

```json theme={null}
{
  "id": "wal_...",
  "owner_type": "agent",     // or "account"
  "owner_id": "agt_...",     // or "acc_..."
  "currency": "USDC",
  "balance_available": "1250.50",
  "balance_pending": "75.00",
  "network": "base-sepolia", // live: base / polygon / solana / etc.
  "address": "0x...",        // on-chain address (for stablecoin wallets)
  "status": "active",
  "policy_id": "pol_..."     // agent wallets only
}
```

## Supported currencies and networks

| Currency                | Networks (live)                 | Networks (sandbox) |
| ----------------------- | ------------------------------- | ------------------ |
| USDC                    | Base, Polygon, Solana, Ethereum | Base Sepolia       |
| USDT                    | Ethereum, Polygon, Tron         | Sepolia            |
| EURC                    | Base, Ethereum                  | Base Sepolia       |
| Fiat (USD, EUR, GBP, …) | N/A (off-chain ledger)          | N/A                |

When creating a wallet you specify the currency; the network is selected based on your tenant's configuration (live: cheapest confirmed settlement for the currency; sandbox: always a testnet).

## Create an account wallet

```bash theme={null}
curl -X POST https://api.getsly.ai/v1/wallets \
  -H "Authorization: Bearer pk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "owner_type": "account",
    "owner_id": "acc_...",
    "currency": "USDC"
  }'
```

Agent wallets are created automatically when you create an agent. You can add additional wallets later via `POST /v1/agent-wallets`.

## Fund a wallet

**Live:**

* Bank wire or card on-ramp via [funding](/api-reference) endpoints
* Internal transfer from another wallet
* Incoming transfer from a peer account

**Sandbox:**

* Faucet — `POST /v1/wallets/:id/fund` credits test tokens instantly

```bash theme={null}
curl -X POST https://sandbox.getsly.ai/v1/wallets/wal_.../fund \
  -H "Authorization: Bearer pk_test_..." \
  -H "Content-Type: application/json" \
  -d '{ "amount": "1000.00" }'
```

## Read balances

```bash theme={null}
curl https://api.getsly.ai/v1/wallets/wal_... \
  -H "Authorization: Bearer pk_live_..."
```

`balance_available` reflects what you can spend now. `balance_pending` includes amounts held by in-flight transfers (debited from available but not yet settled).

## Freeze and unfreeze

For incident response:

```bash theme={null}
curl -X POST https://api.getsly.ai/v1/wallets/wal_.../freeze \
  -H "Authorization: Bearer pk_live_..." \
  -H "Content-Type: application/json" \
  -d '{ "reason": "Suspicious activity investigation" }'
```

Frozen wallets cannot spend. Incoming transfers still land (funds can arrive). Unfreezing requires the same API key scope.

## Wallet policies (agent wallets only)

Agent wallets carry a policy that enforces spending rules at the moment of transaction. See [wallet policies](/agents/wallet-policies) for the full shape.

## On-chain details

For stablecoin wallets, Sly custodies the private key on your behalf (or — for advanced tenants — integrates with your MPC custody provider). Every wallet has a public address, and every on-chain movement is observable in the block explorer.