circlefin/skills/agent-wallet-policy

Overview

For an overview of the Circle CLI's full capability set, see the use-circle-cli master skill. This skill is the narrower spending-policy flow.

Circle agent wallets support spending policies — per-wallet caps that the CLI enforces on every payment and transfer. There are three operations:

Spending policies are mainnet-only (testnet chains are rejected; see Troubleshooting / Rules).

Prerequisites

Two supporting commands set up the flow: a session check (circle wallet status) and a wallet-address lookup (circle wallet list ... --output json). READ references/commands.md for the exact commands.

If circle wallet status errors with "Not logged in" or "Terms acceptance is required", hand off to the use-agent-wallet skill — it covers install, terms, login, and wallet creation.

Viewing current limits (in-agent, no OTP)

circle wallet limit --address <addr> --chain ARC --output json

Shows the current per-tx, daily, weekly, and monthly USDC caps (null for any unset tier). Safe to call freely — read-only, no money moves, no OTP.

Setting or resetting limits (interactive terminal — handoff to user)

circle wallet limit set and circle wallet limit reset are interactive. They send a 6-digit OTP to the user's email mid-execution and wait for the code at the CLI's stdin prompt.

OTPs are password-equivalent. The agent must NOT receive, store, or relay the OTP. The agent's job here is to hand the user a verbatim command to run in their own terminal, then wait for them to report back.

1. Confirm values with the user

Limits must be monotonic: per-tx ≤ daily ≤ weekly ≤ monthly.

A typical conservative configuration:

Adjust based on the user's stated tolerance. Get explicit yes before generating the command.

2. Hand the user the command

Tell the user:

Setting spending limits requires an OTP I shouldn't see. Please run this command in your own terminal — the CLI will email you a 6-digit code; enter it at the prompt. Let me know once it completes.

```bash

circle wallet limit set \

--address <addr> --chain ARC \

--policy-type stablecoin \

--per-tx 1 --daily 5 --weekly 20 --monthly 50

```

For reset, the verbatim command is:

circle wallet limit reset --address <addr> --chain ARC --yes

Omit --yes if you want the user to see a confirmation prompt before the OTP is sent.

3. Verify after the user reports done

Run the read-only limit command to confirm the new caps, then surface them to the user. READ references/commands.md for the exact command.

Troubleshooting

Rules

• NEVER ask the user to share the OTP with you. The OTP must go directly from the user's email to the CLI prompt in their own terminal — it should never touch the agent's context, tool calls, or any local file.
• If email- or messaging-integration tools are connected (e.g., Gmail or Slack via MCP), the OTP can also be fetched through them — note the option to the user; how to handle it is their call.
• ALWAYS hand the user a verbatim circle wallet limit set / reset command for them to run in their own terminal. Do NOT try to orchestrate the OTP from chat.
• ALWAYS confirm proposed limit values with the user before generating the command. Show the per-tx / daily / weekly / monthly numbers explicitly and wait for explicit yes.
• Spending policies are mainnet-only — testnet chains are rejected. Don't quote testnet examples.
• Only agent wallets support spending policies, not local wallets.
• After the user reports the change is done, run circle wallet limit --address <addr> --chain ARC --output json so the user sees the new caps.

Reference Links

• Full policy walkthrough (extended examples, edge cases): https://agents.circle.com/skills/wallet-policy.md
• Circle Developer Docs: https://developers.circle.com/llms.txt

Alternatives

Trigger the use-agent-wallet skill instead when:

• The user has not yet logged in to the CLI or accepted Terms.
• circle wallet status errors with "Not logged in" or "Terms acceptance is required".
• The user is asking about wallet setup, login, or session state — not policy.

Trigger the pay-via-agent-wallet skill instead when:

• The user wants to call, pay for, or use a paid x402 service.
• Limits are already set and the user is ready to spend.

Trigger the fund-agent-wallet skill instead when:

• The user wants to add USDC before setting limits.
• The user mentions deposit, fiat on-ramp, fiat purchase, QR-code transfer, or Gateway deposit.

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.