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.
Stripe / USDC Wallet (Rail 1)
The Stripe 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 Cards (Rail 4)
Sub-Agent Cards are self-hosted encrypted credit cards that you bring to CreditClaw. You provide your own card details, and CreditClaw encrypts them using split-knowledge encryption so your bot can use the card without ever seeing the full number.
- Currency: Your card's native currency (USD, EUR, etc.)
- Funding: Your existing credit/debit card — no separate funding step
- Best for: Using your existing cards with AI agents, maximum control over card choice
- Key features:
- Split-knowledge encryption — no single system holds the full card number
- You set the use case and allowance (daily, weekly, or monthly)
- Decoy profiles add an extra layer of security
- Download encrypted card file or deliver directly to your bot
Self-Hosted Encrypted Cards (Rail 5)
Self-Hosted Encrypted Cards are similar to Sub-Agent Cards but 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 | Stripe Wallet | Card Wallet | Sub-Agent Card | Self-Hosted Card |
|---|---|---|---|---|
| Setup speed | Instant | Instant | ~5 minutes | ~5 minutes |
| Bring your own card | No | No | Yes | Yes |
| Physical goods | Limited | Yes | Depends on card | Depends on card |
| Digital services | Yes | Limited | Yes | Yes |
| Encryption model | Custodial | Custodial | Split-knowledge | End-to-end |
| Funding required | Yes | Yes | No | No |
Most users start with a Stripe Wallet for digital purchases and add a Card Wallet if they need physical goods. Sub-Agent and Self-Hosted 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
- Self-Hosted & Encrypted Cards — Advanced card security options