> For the complete documentation index, see [llms.txt](https://docs.sectoral.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.sectoral.xyz/getting-started/choosing-an-account.md). # Account Types There are three kinds of account, all running on the same rails. They share the wallet infrastructure, the confidential transfer engine, and the guarantees. The differences are in who holds the keys, who can approve what, and how much supervision is layered above. *** ## Personal Built for an individual managing their own funds. **Capabilities:** * Stores USDG and ETH, and sends and receives confidential transfers * Comes with a `@handle`, so nobody needs to paste an address * Generates request links and QR codes whenever you need them * Lets you export decrypted history when it is time to file taxes **Privacy:** * Everything is encrypted from the start; there is no setting to forget * Nothing is disclosed unless you create a proof to disclose it *** ## Business Built for organizations where multiple people need visibility into one balance, with no one sharing a key. **Capabilities:** * All Personal features * Multiple authorized signers, each assigned a specific role * Higher default limits after enhanced verification is complete * Bulk payouts for payroll and supplier payments **Privacy:** * The same confidentiality a Personal account gets * Exports formatted to import directly into accounting and tax tools *** ## Agent A wallet designed from the ground up for software rather than a human holder. **Capabilities:** * Has its own Robinhood Chain smart account and Agent ID, scoped under a parent (`@username/agent-name`) * Operates within a spend policy set by the parent: daily limits, approved counterparties, asset restrictions, and operating hours * Supports x402 natively, no adapter required * Copies each payment into the parent's feed in real time **Privacy:** * Encrypted by default, just like an account held by a person * An optional approval step for amounts above a threshold the parent sets For setup and oversight in detail, read [Wallets for Agents](/ai-agents/agent-wallets.md). *** ## At a glance | Your goal | Account type | | --------------------------------------------- | ------------ | | Sending and receiving USDG as an individual | Personal | | Sharing one balance across a team | Business | | Allowing software to spend within your limits | Agent | Agent accounts cannot stand alone. Each one belongs to a Personal or Business parent, must be created from that parent, and follows a policy the parent can change at any time. The agent has the freedom to act, and you retain control. --- # 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.sectoral.xyz/getting-started/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.