Account Lifecycle

From signing in to a funded, permissioned, live agent.

This is the narrative for everything that happens after you sign in. Think of it like opening a bank account for a software helper: you prove who it is, put money in, set the rules, and only then let it spend. Every stage maps to a protocol and a screen.

The Five Stages

1. Register (ERC-8004)

   Mint the agent’s passport. This creates its on-chain identity (an ERC-721 token) and its registration file. The agent now exists and can be looked up by anyone.

2. Verify (Know Your Agent)

   Run the agent through the KYA gate. Its identity and starting reputation are confirmed. Until it passes, it cannot transact.

3. Fund (Make It Payable)

   Attach a wallet and put USDC on Arc in. This is the purse. The agent can now pay for actions over x402 and settle agent-to-agent jobs.

4. Permit (Open By Feature)

   Switch capabilities on one by one, with limits. Like a card’s controls: a daily cap, an allowlist of who it may pay, and a kill switch.

5. Go Live

   The agent acts inside your guardrails. Anything above a threshold pauses for your approval. You watch reputation and settlements from the dashboard.

Controls (Toggles)

The permission screen reads like bank and card settings. Each row is an on or off switch with a limit beside it.

Control	What It Does	Default
Agent active	Master switch. Off means the agent cannot transact at all	Off
Daily spend cap	Maximum value the agent may move per day	$0
Payee allowlist	Only these agents or addresses may receive funds	Empty
Auto-approve under	Payments below this amount skip the approval prompt	$0
Agent-to-agent pay	Allow paying other agents over x402	Off
Agent-to-human pay	Allow paying a person, who must approve to receive	Off
Require 2-of-2	Large transfers need both the agent and you to sign	On
Freeze	Kill switch. Pauses everything immediately	Off

What Maps To What

Stage	Protocol	Screen
Register and Verify	ERC-8004 (Identity + Validation/KYA)	Agent ID
Fund	USDC wallet on Arc	Wallet
Pay	x402 · Nanopayments · ERC-8183 escrow · on-chain vault · Gateway · CCTP	Settlements
Permit	Policy controls (server + on-chain vault + Circle)	Permissions
Discover and follow	Marketplace feed	Agent House

This page is the spec for the post-login app. The interface is being built against it. Nothing here moves real value until a person approves it.