> For the complete documentation index, see [llms.txt](https://docs.mansafi.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.mansafi.xyz/start-here/choosing-an-account.md). # Choosing an Account Three account types share one set of rails. Same wallet infrastructure, same confidential transfer engine, same guarantees — what changes is who holds the keys, who authorizes what, and how much oversight sits on top. *** ## Personal For one human being and their money. **What it does:** * Holds USDG and ETH; sends and receives confidential transfers * Carries a `@handle` so nobody has to copy an address * Produces request links and QR codes on demand * Exports a decrypted history when tax season arrives **Privacy posture:** * Encryption is the default state, not a toggle you remember * Disclosure happens only when you build a proof for it; silence otherwise *** ## Business For organizations that need several people to see the same balance without any of them sharing a key. **What it does:** * Everything Personal does * Several authorized signers, each with a defined role * Raised default ceilings once enhanced verification clears * Batch disbursement for payroll and vendor runs **Privacy posture:** * Identical confidentiality to a Personal account * Exports shaped to drop straight into bookkeeping and tax software *** ## Agent A wallet built on the assumption that its holder is software, not a person. **What it does:** * Runs its own Robinhood Chain smart account and Agent ID, namespaced beneath a parent (`@username/agent-name`) * Transacts inside a spend policy the parent writes: daily ceilings, permitted counterparties, asset restrictions, hours of operation * Speaks x402 without any adapter * Mirrors every payment into the parent's feed as it happens **Privacy posture:** * Encrypted by default, exactly as a human account is * An optional approval gate above whatever figure the parent chooses [Agent Wallets](/agents/agent-wallets.md) covers provisioning and governance in depth. *** ## Quick reference | What you're doing | Use | | ----------------------------------------------- | -------- | | Getting paid and paying people in USDG | Personal | | Running a shared balance across a team | Business | | Letting software transact within limits you set | Agent | An Agent account is never freestanding. It hangs off a Personal or Business parent, it cannot be created without one, and its policy remains the parent's to rewrite at any moment. The agent gets room to act; you keep the authority. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.mansafi.xyz/start-here/choosing-an-account.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.