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use-circle-wallets

Select the appropriate Circle wallet type for onchain application development.

1|Updated Jul 20, 2026
Search Tags:#passkey#blockchain#usdc#smart account#custody model#wallet selection#circle wallets
One-click install
npx skills add https://github.com/Lightupwrld/Cycuxio --skill use-circle-wallets-lightupwrld
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: use-circle-wallets
Source: https://github.com/Lightupwrld/Cycuxio/tree/main/.agents/skills/use-circle-wallets
Command: npx skills add https://github.com/Lightupwrld/Cycuxio --skill use-circle-wallets-lightupwrld

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve? Choosing between Circle's developer-controlled, user-controlled, and modular (passkey) wallets is confusing because each differs in custody model, authentication, account types, and chain support. This Skill provides a structured decision guide so you pick the correct wallet type before writing any integration code. ## Core Features & Use Cases - Wallet Comparison Matrix: Compares custody, auth methods, account types (EOA, SCA, Modular ERC-6900), gas sponsorship, and architecture across all three Circle wallet types. - Step-by-Step Decision Guide: Walks through custodian selection, auth method, account type, and chain compatibility checks (e.g., Modular wallets unsupported on Ethereum, Solana, Aptos, NEAR). - Use Case: Building a consumer app with Google login and gasless UX on an L2? The guide routes you to user-controlled wallets with SCA and then delegates implementation to the corresponding specialized skill. ## Quick Start Ask the assistant to help you choose the right Circle wallet type for your onchain application based on your custody, authentication, and blockchain requirements.

Frequently Asked Questions about use-circle-wallets

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I choose between Circle wallet types?▼

Choose based on who controls the keys: developer-controlled wallets for backend custody, user-controlled wallets for end-user custody with social login or PIN, and modular wallets for passkey-based auth with extensible ERC-6900 modules.

What is the difference between EOA and SCA accounts in Circle wallets?▼

EOA accounts are externally owned accounts offering maximum throughput, while SCA smart contract accounts enable gas sponsorship via Circle Paymaster and transaction batching. SCA is recommended on L2 chains but is gas-prohibitive on Ethereum mainnet.

Which blockchains support Circle modular wallets?▼

Modular wallets are supported on Arbitrum, Avalanche, Base, Monad, Optimism, Polygon, and Unichain. They are not supported on Ethereum, Solana, Aptos, or NEAR, where you should fall back to user-controlled wallets with SCA or EOA.

Can I use passkey authentication with Circle wallets?▼

Yes, modular wallets use passkey authentication via WebAuthn biometrics and support custom modules. They are frontend SDK only and work on supported L2 chains with Circle Paymaster or third-party paymasters.

When should I use developer-controlled wallets?▼

Use developer-controlled wallets for backend-driven scenarios like programmatic payouts, payment backends, high-TPS applications, and autonomous AI agents. They authenticate with an API key plus entity secret and require only a backend SDK.

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