use-circle-wallets

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Original

English

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Translation

Chinese

Overview

概述

Circle offers three wallet types -- developer-controlled, user-controlled, and modular -- each with different custody models, account types, key management, and capabilities. This skill helps you pick the right one.

Circle提供三种钱包类型——开发者控制型、用户控制型和模块化钱包，每种类型都有不同的托管模型、账户类型、密钥管理方式及功能。本Skill可帮助你选择合适的钱包类型。

Quick Comparison

快速对比

	Developer-Controlled	User-Controlled	Modular (Passkey)
Custody	Developer	User	User
Auth	Entity secret (backend)	Social login / email OTP / PIN	Passkey (WebAuthn)
Account types	EOA, SCA	EOA, SCA	MSCA only
Gas sponsorship	SCA via Gas Station	SCA via Gas Station	Gas Station or third-party paymaster
Custom modules	No	No	Yes
Architecture	Backend SDK only	Backend + frontend SDKs	Frontend SDK only

	开发者控制型	用户控制型	模块化（Passkey）
托管方	开发者	用户	用户
认证方式	实体密钥（后端）	社交登录 / 邮箱OTP / PIN	Passkey（WebAuthn）
账户类型	EOA、SCA	EOA、SCA	仅MSCA
Gas赞助	通过Gas Station实现SCA	通过Gas Station实现SCA	Gas Station或第三方支付方
自定义模块	不支持	不支持	支持
架构	仅后端SDK	后端+前端SDK	仅前端SDK

Decision Guide

决策指南

For the latest supported blockchains: https://developers.circle.com/wallets/account-types

Step 1 -- Who controls the keys?

Developer controls (no user approval) -> Developer-controlled wallets -> Step 3
End user controls -> Step 2

Step 2 -- Auth method?

Passkey (WebAuthn biometric) with extensible modules -> Modular wallets -> Step 4
Social login, email OTP, or PIN -> User-controlled wallets -> Step 3

Step 3 -- Account type?

Solana, Aptos, or NEAR -> EOA (only option)
Ethereum mainnet -> EOA (SCA gas costs prohibitive, MSCA not supported)
L2 (Arbitrum, Base, Polygon, Optimism, etc.) -> SCA if gas sponsorship or batching needed; EOA if max TPS needed

Step 4 -- Chain check (Modular wallets)

Supported: Arbitrum, Avalanche, Base, Monad, Optimism, Polygon, Unichain
NOT supported: Ethereum, Solana, Aptos, NEAR. Fall back to user-controlled wallets with SCA.

最新支持的区块链列表：https://developers.circle.com/wallets/account-types

步骤1 -- 谁控制密钥？

开发者控制（无需用户批准）-> 开发者控制型钱包 -> 步骤3
终端用户控制 -> 步骤2

步骤2 -- 认证方式？

支持可扩展模块的Passkey（WebAuthn生物识别）-> 模块化钱包 -> 步骤4
社交登录、邮箱OTP或PIN -> 用户控制型钱包 -> 步骤3

步骤3 -- 账户类型？

Solana、Aptos或NEAR -> EOA（唯一选项）
以太坊主网 -> EOA（SCA的Gas成本过高，不支持MSCA）
L2（Arbitrum、Base、Polygon、Optimism等）-> 若需要Gas赞助或批量操作则选SCA；若需要最高TPS则选EOA

步骤4 -- 区块链兼容性检查（模块化钱包）

支持的链：Arbitrum、Avalanche、Base、Monad、Optimism、Polygon、Unichain
不支持的链：以太坊、Solana、Aptos、NEAR。此时应退而选择带SCA的用户控制型钱包。

Example Scenarios

示例场景

Scenario	Decision	Skill
Payment backend, programmatic payouts, high TPS	Developer-controlled + EOA	`use-developer-controlled-wallets`
Consumer app with Google/Apple login, gasless UX	User-controlled + SCA on L2	`use-user-controlled-wallets`
DeFi app with biometric auth, custom modules	Modular on L2	`use-modular-wallets`
NFT marketplace on Ethereum L1	User-controlled + EOA	`use-user-controlled-wallets`
AI agent, autonomous multi-chain transactions	Developer-controlled + EOA	`use-developer-controlled-wallets`

场景	决策	Skill
支付后端、程序化付款、高TPS	开发者控制型 + EOA	`use-developer-controlled-wallets`
支持谷歌/苹果登录的消费类应用、无Gas体验	L2链上的用户控制型 + SCA	`use-user-controlled-wallets`
支持生物识别认证的DeFi应用、自定义模块	L2链上的模块化钱包	`use-modular-wallets`
以太坊L1上的NFT市场	用户控制型 + EOA	`use-user-controlled-wallets`
AI Agent、自主多链交易	开发者控制型 + EOA	`use-developer-controlled-wallets`

Implementation Patterns

实现模式

Once a wallet type has been determined, TRIGGER the corresponding skill:

Developer-controlled ->
```
use-developer-controlled-wallets
```
skill
User-controlled ->
```
use-user-controlled-wallets
```
skill
Modular (Passkey) ->
```
use-modular-wallets
```
skill

确定钱包类型后，触发对应的Skill：

开发者控制型 ->
```
use-developer-controlled-wallets
```
Skill
用户控制型 ->
```
use-user-controlled-wallets
```
Skill
模块化（Passkey） ->
```
use-modular-wallets
```
Skill

Strict Rules

严格规则

ALWAYS select the wallet type before starting implementation using the comparison table and decision guide above.
ALWAYS use EOA on Ethereum mainnet (SCA gas prohibitive, MSCA not supported) and on Solana, Aptos, NEAR (SCA/MSCA not available).
ALWAYS prefer SCA or MSCA on L2 chains (Arbitrum, Base, Polygon, Optimism, etc.) when gas sponsorship or batch operations are needed.
NEVER mix wallet types in a single user flow -- pick one and use its corresponding skill.

ALWAYS delegate to the specific wallet skill (

use-developer-controlled-wallets

use-user-controlled-wallets

, or

use-modular-wallets

) for implementation.

务必先使用上述对比表格和决策指南选择钱包类型，再开始实现。
在以太坊主网（SCA的Gas成本过高，不支持MSCA）以及Solana、Aptos、NEAR（无SCA/MSCA选项）上，务必使用EOA。
在L2链（Arbitrum、Base、Polygon、Optimism等）上，当需要Gas赞助或批量操作时，优先选择SCA或MSCA。
切勿在单个用户流程中混合使用多种钱包类型——选择一种并使用其对应的Skill。

实现时务必调用特定的钱包Skill（

use-developer-controlled-wallets

、

use-user-controlled-wallets

或

use-modular-wallets

）。

Reference Links

参考链接

Account Types
Choosing Your Wallet Type
Key Management
Circle Developer Docs -- Always read this first when looking for relevant documentation from the source website.

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.

账户类型
选择钱包类型
密钥管理
Circle开发者文档 -- 从官方网站查找相关文档时，请务必先阅读此文档。

免责声明：本Skill按“原样”提供，不提供任何担保，受《Circle开发者条款》（https://console.circle.com/legal/developer-terms）约束，生成的输出可能包含错误和/或费用配置选项（包括支付给Circle的费用）；更多详情请查看仓库[README](https://github.com/circlefin/skills/blob/master/README.md)。