Wallet Types
CreditClaw supports several wallet types — called rails — that give your AI agents different ways to spend money. Each rail is designed for a specific use case, so you can pick the one that fits how your bot operates.
Crypto Wallet (Rail 1)
The Crypto Wallet is a custodial USDC wallet powered by Privy and Stripe. It's the fastest way to get started.
- Currency: USDC (on Base network)
- Funding: Card/Bank via Stripe, Base Pay, or direct crypto transfer
- Best for: API payments, x402 protocol purchases, digital services
- Key features:
- Instant wallet creation — no card details required
- Built-in spending guardrails (per-transaction, daily, monthly limits)
- Approval workflows for purchases above a threshold
- Full transaction history with on-chain verification
Card Wallet (Rail 2)
The Card Wallet is a custodial wallet powered by Crossmint, designed for purchasing physical goods through the Crossmint WorldStore.
- Currency: USDC (on Base network)
- Funding: Card/Bank via Stripe, Base Pay, or direct crypto transfer
- Best for: Physical goods procurement, e-commerce purchases
- Key features:
- Product search and ordering through Crossmint WorldStore
- Order tracking with shipping status updates
- Merchant category controls (allowlist/blocklist)
- Auto-pause when balance reaches zero
Sub-Agent Encrypted Cards (Rail 5)
Sub-Agent Encrypted Cards use end-to-end encryption with a key that only you and your bot share. CreditClaw never has access to the decrypted card details.
- Currency: Your card's native currency
- Funding: Your existing credit/debit card
- Best for: Maximum security, compliance-sensitive environments
- Key features:
- End-to-end encryption with AES-256
- Encryption key is generated in your browser and shared only with your bot
- Per-transaction, daily, and monthly spending limits
- Human approval threshold — require your sign-off above a certain amount
- Card brand and last-4 digits visible for identification without exposing full details
Choosing the Right Wallet Type
| Feature | Crypto Wallet | Card Wallet | Sub-Agent Card |
|---|---|---|---|
| Setup speed | Instant | Instant | ~5 minutes |
| Bring your own card | No | No | Yes |
| Physical goods | Limited | Yes | Depends on card |
| Digital services | Yes | Limited | Yes |
| Encryption model | Custodial | Custodial | End-to-end |
| Funding required | Yes | Yes | No |
Most users start with a Crypto Wallet for digital purchases and add a Card Wallet if they need physical goods. Sub-Agent Cards are for advanced users who want to use their own payment cards with their bots.
Next Steps
- Creating a Wallet — Set up your first wallet
- Funding Your Wallet — Add funds to get started
- Encrypted Cards — Advanced card security options