Set Up Your Account

Overview

Setting up your AgentPMT account involves three main steps: creating your account, setting up your secure blockchain wallet, and optionally funding it. This process takes about 15 minutes and ensures you have complete control over your funds at all times.

Why Web3 Wallets?

Unlike traditional payment systems where a company controls your money, AgentPMT uses Web3 wallets that give you:

Complete fund control - Your money stays in your wallet, not ours

Transparent rules - Smart contracts enforce spending limits cryptographically

Direct payments - No intermediaries between you and vendors

Permanent audit trail - All transactions recorded on blockchain

Autonomous operations - AI agents can make payments within your limits

Your Fund Security Guarantee

YOU control your funds at all times. AgentPMT:

✅ Never has access to your private keys or PIN

✅ Cannot move your funds without your signature

✅ Cannot exceed your budget limits

✅ Cannot change smart contract rules without your approval

❌ Does NOT custody your funds

❌ Cannot recover your PIN for you

Getting Started

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Rather Watch The Tutorial?

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Step 1: Create Your Account

1.1 Sign Up

Go to the AgentPMT homepage and select "Create A Free Account"

Or click "Login" in the navigation bar and select "Create Account"

Enter your email address and create a strong password

Check the box agreeing to the Terms and Privacy Policy

1.2 Verify Your Email

Check your email for a 6-digit verification code

Enter the code on the verification page

Didn't get the code after a minute or two? Click "Resend" and check your spam folder

1.3 Complete Profile (Optional)

Add your first and last name if desired

This step can be skipped

1.4 Auto-Login

After verification, you'll be automatically logged in and redirected to your dashboard. If not redirected, click "Dashboard" in the navigation bar.

Step 2: Set Up Your Wallet

What is a Circle Wallet?

Your wallet is a secure digital account that stores your USDC (a stablecoin pegged 1:1 to the US Dollar). Think of it like a checking account that you fully control.

Circle Programmable Wallets:

Industry-standard security and encryption

Secured by your 6-digit PIN (like an ATM card)

Works on the Base blockchain network

Private keys encrypted and managed by Circle (not AgentPMT)

Can be accessed only by you

2.1 Navigate to Wallet Setup

In your Dashboard, click on the "Account" tab

Look for the "Wallet" section

Click "Create Wallet" to begin

2.2 Create Your Circle Account

AgentPMT will create a Circle account linked to your email. This takes a few seconds.

Status shown: "Creating Circle user..."

2.3 Create Your PIN (CRITICAL STEP)

CRITICAL: YOUR PIN IS THE KEY TO YOUR FUNDS

A secure popup will appear asking you to create a 6-digit PIN. This PIN:

- Secures your wallet and all future transactions

- Is stored by Circle (NOT by AgentPMT)

- Cannot be recovered by AgentPMT

- Must be kept absolutely secure

- Will be required for every transaction

Write down your PIN and store it in a secure location!

PIN Creation Process:

A secure popup appears (Circle SDK - runs in your browser)
Enter a 6-digit PIN of your choice
Re-enter the PIN to confirm
Set up security questions (for PIN recovery)
Complete the challenge

PIN Best Practices:

✅ Choose a unique 6-digit PIN

✅ Write it down and store securely offline

✅ Keep separate from your password

✅ Set strong security question answers

❌ Don't use easily guessable PINs (123456, birthday)

❌ Don't share your PIN with anyone

❌ Don't store in online password managers

2.4 Wallet Linking

AgentPMT connects your new wallet to your account. Your wallet address is recorded (this is public information, like an email address).

Status shown: "Linking wallet..."

2.5 Approve USDC Spending (Required)

What is USDC Approval?

USDC is a digital dollar (stablecoin) that lives on the blockchain. For AgentPMT's smart contract to process payments on your behalf, you must give it permission to move USDC from your wallet. This is called "approval" and is a standard blockchain security pattern.

Important to understand:

This does NOT move your funds

It only grants permission to the smart contract

You can revoke this permission anytime

Each payment still requires your authorization via budgets

Smart contracts enforce your budget limits automatically

Approval Process:

After wallet creation, you'll see "USDC Approval Required"
Click "Approve USDC Spending"
A security challenge popup appears (Circle SDK)
Enter your PIN to approve the transaction
The blockchain transaction is submitted
Wait for confirmation (usually 10-30 seconds)
Status: "Wallet setup completed successfully"

What just happened?

You completed your first blockchain transaction! You approved the AgentPMT smart contract to spend USDC on your behalf (with limits). Remember:

Every payment still requires your signature (via budgets you create)

Budget limits are enforced by the smart contract

You can revoke approval anytime

AgentPMT cannot bypass your limits

2.6 Initial Wallet Sync to Blockchain

After approval, your wallet needs to be synced to the blockchain for the first time. This registers your wallet with the smart contract.

You'll see: "Wallet needs sync" indicator

Action required: Click "Sync to Blockchain"

What this does: Registers your wallet configuration on the blockchain so payments can be processed

Sync Process:

Click "Sync to Blockchain" button
Enter your PIN
Transaction submits to blockchain
Wait for confirmation (10-30 seconds)
"Sync successful" message appears

Congratulations! Your wallet is now active and ready to use.

Understanding Your Wallet

Your Wallet Address

Your wallet address is a public identifier like: 0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb5

Think of it like an email address:

Public information (safe to share)

Others can send funds TO this address

Cannot be used to take funds FROM your wallet

Uniquely identifies your wallet on the blockchain

What AgentPMT Can and Cannot Access

AgentPMT CAN:

✅ See your wallet address (public blockchain data)

✅ Request payments on your behalf (requires your budget approval)

✅ Track your budget spending

✅ Generate payment reports

✅ Enforce budget limits (via smart contract)

AgentPMT CANNOT:

❌ Access your PIN

❌ Access your private keys

❌ Transfer funds without your signature

❌ Exceed your budget limits

❌ Bypass recipient restrictions

❌ Prevent you from withdrawing funds

❌ Modify your wallet without your approval

How Your Funds Are Secured

Your funds are protected by multiple layers of security:

Layer 1: Private Keys

Stored encrypted by Circle

Never leave Circle's secure environment

AgentPMT never sees them

Required to sign all transactions

Layer 2: Your PIN

Created by you during wallet setup

Stored encrypted by Circle (NOT AgentPMT)

Required for every transaction

Cannot be recovered by AgentPMT

Can be changed by YOU with the answers to your security questions

Layer 3: Smart Contract Rules

Budget limits you set are enforced cryptographically

Recipient restrictions are validated automatically

Cannot be bypassed by anyone

Immutable code guarantees behavior

Step 3: Fund Your Wallet (Optional)

You can fund your wallet now or later. Your wallet works even with zero balance - you just can't make payments until funded.

Option 1: Transfer From Existing Crypto Wallet (Free)

Copy your wallet address from "Account Details"
From your existing wallet (Coinbase, MetaMask, etc.), send USDC to that address
IMPORTANT: Make sure you choose the Base chain!
Return to dashboard and refresh your balance
Funds typically appear within 1-2 minutes

Don't have a crypto wallet? Sign up for Coinbase - you can link a bank account or credit card and convert to USDC with no fees.

Option 2: Deposit Through Stripe (Approx 4% Fee)

In your dashboard, select "Add Funds" or "Deposit USDC"
Complete identity verification if first time (takes about 5 minutes, need driver's license)
Choose payment method (credit card, debit card, or ACH)
Confirm the purchase
Funds sent directly to your AgentPMT wallet
Return to dashboard and refresh - funds appear within minutes

Next Steps

Now that your wallet is set up, you can:

Create your first budget (see Create Your First Budget)
Add tools to your budget, including the x402 direct payment tool
Generate API keys for your AI agent
Start making autonomous payments within your limits

Troubleshooting

Email Verification Issues

Didn't get the verification code?

Use "Resend" on the verification screen

Check your spam/junk folder

Verify you entered the correct email address

Wait a few minutes and try again

Wallet Creation Issues

Can't finish wallet activation?

Complete all on-screen steps including security questions

If popup doesn't appear, check popup blocker settings

Try a different browser if issues persist

Ensure JavaScript is enabled

PIN Issues

Forgot your PIN?

Use "Forgot PIN?" link during transaction

Answer your security questions

Set a new PIN

Note: AgentPMT cannot recover your PIN for you

PIN not accepted?

Double-check each digit carefully

Wait 15 minutes if you've exceeded attempts

Use PIN recovery if needed

Balance Not Updating

Sent funds but balance shows zero?

Wait a few minutes for blockchain confirmation

Refresh your dashboard

Verify you sent to the correct wallet address

Verify you used the Base chain

Check transaction on Basescan

Sync Issues

Sync button not working?

Complete the Circle SDK popup with your PIN

Check internet connection

Wait a few moments and try again

Refresh page if stuck

Security Reminders

Guard your PIN: It's the key to your funds - write it down and store securely
Verify addresses: Always double-check wallet addresses before sending funds
Use Base chain: Make sure to use Base network when transferring USDC
Start small: Test with small amounts first
Keep security answers safe: Store your security question answers securely