> For the complete documentation index, see [llms.txt](https://docs.useshadowpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.useshadowpay.com/overview/account-types.md). # Account Types ShadowPay supports three account types, each with a distinct permission and privacy profile. All three share the same underlying wallet infrastructure and confidential transfer engine. *** ## Personal The default account type for individuals. **Capabilities:** * Hold USDC and SOL, send and receive confidential transfers * Claim a `@handle` for human-readable payments * Generate request links and QR codes * Export decrypted transaction history for tax purposes **Privacy profile:** * Confidential transfers on by default * Full control over selective disclosure. Nothing is shared with a third party unless you generate a proof for it *** ## Business Built for teams and organizations that need shared visibility without shared keys. **Capabilities:** * Everything in a Personal account * Multiple authorized signers with role-based permissions (post-beta, see [Roadmap](/resources/roadmap.md)) * Higher default transaction limits, subject to enhanced KYC * Bulk payment tooling for payroll or vendor disbursement **Privacy profile:** * Same confidential transfer guarantees as Personal accounts * Audit export formatted for standard bookkeeping and tax tools *** ## Agent A wallet type designed to be held by an AI agent rather than a person. **Capabilities:** * Its own Solana keypair and ShadowPay Agent ID, namespaced to a parent account (`@username/agent-name`) * Operates under a spend policy defined by its parent account: daily limits, allowed recipients, asset types, time windows * Sends and receives x402 payments natively * Surfaces every transaction to the parent account's feed in real time **Privacy profile:** * Confidential transfers by default, same as any other account * Optional human-in-the-loop approval gate above a threshold you set See [Agent Accounts Overview](/agents-and-automation/agent-accounts-overview.md) for the full detail on how agent wallets are provisioned and governed. *** ## Choosing an account type | Need | Account type | | ------------------------------------------------------------------- | ------------ | | Send and receive USDC as an individual | Personal | | Manage shared funds across a team | Business | | Let an AI system transact on your behalf, within limits you control | Agent | An Agent account always has a parent Personal or Business account. It cannot exist independently, and its spend policy is always set and modifiable by the parent. --- # 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.useshadowpay.com/overview/account-types.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.