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use-circle-wallets

Select the appropriate Circle wallet type for onchain application development.

Updated Mar 18, 2026
Search Tags:#passkey#web3#circle#blockchain wallet#smart account#custody model#wallet comparison
One-click install
npx skills add https://github.com/Surojit012/CMO --skill use-circle-wallets-surojit012
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: use-circle-wallets
Source: https://github.com/Surojit012/CMO/tree/main/.agents/skills/use-circle-wallets
Command: npx skills add https://github.com/Surojit012/CMO --skill use-circle-wallets-surojit012

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, key management, account types, and blockchain support. This Skill provides a structured decision guide so you pick the correct wallet architecture before writing any integration code. ## Core Features & Use Cases - Wallet Comparison Matrix: Compares custody, authentication, account types (EOA, SCA, ERC-6900 Modular), gas sponsorship, and SDK architecture across all three Circle wallet types. - Step-by-Step Decision Guide: Walks through custodian selection, auth method, account type, and chain compatibility checks, including which chains support Modular Wallets. - Use Case: A team building a consumer app with Google login and gasless transactions on an L2 can follow the guide to land on user-controlled wallets with SCA, then delegate implementation to the corresponding wallet 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?▼

Start by deciding who controls the keys: developer-controlled wallets for backend custody, or user-controlled and modular wallets for end-user custody. Then pick an auth method and account type based on your target blockchain and gas sponsorship needs.

What is the difference between developer-controlled and user-controlled Circle wallets?▼

Developer-controlled wallets use API key plus entity secret authentication with backend-only SDKs, giving the developer custody. User-controlled wallets give end users custody via social login, email OTP, or PIN, and require both backend and frontend SDKs.

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 mainnet, Solana, Aptos, or NEAR, where you should fall back to user-controlled wallets with SCA or EOA.

Should I use EOA or SCA accounts on Ethereum mainnet?▼

Use EOA on Ethereum mainnet because SCA gas costs are prohibitive and Modular Wallets are not supported there. On L2 chains like Arbitrum, Base, or Polygon, prefer SCA or Modular Wallets when you need gas sponsorship or batched operations.

When should I use passkey-based modular wallets instead of social login wallets?▼

Choose modular wallets when you want WebAuthn biometric passkey authentication and extensible ERC-6900 modules on a supported L2. Choose user-controlled wallets when you need social login, email OTP, or PIN authentication, or when targeting chains without Modular Wallet support.

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