use-circle-wallets选择Circle钱包

Overview

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.

Quick Comparison

	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 |

Decision Guide

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.

Example Scenarios

Scenario	Decision	Skill
Payment backend, programmatic payouts, high TPS	Developer-controlled + EOA	INLINECODE0
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 |

Implementation Patterns

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

Strict Rules

• - 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.

Reference Links

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

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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.