YOU (Phantom, Solflare, Ledger)
    │  owns the vault, holds the money, can revoke or withdraw at any time
    ▼
  ┌──────────────────────────────────────────┐
  │  vault token account                     │   derived from your address:
  │  owner    = you                          │   createWithSeed(you, "oaw1:<agent>")
  │  balance  = 500 USDC                     │
  │  delegate = the agent  ← capped at 100   │   SPL Token enforces this number
  └──────────────────────────────────────────┘
    ▲
    │  may spend up to the cap, and not one unit more
   AGENT (its own keypair, holds only fee SOL)

npm install -g @three-ws/onchain-agent-wallets
# or run it ad hoc
npx -y @three-ws/onchain-agent-wallets

claude mcp add onchain-agent-wallets -- npx -y @three-ws/onchain-agent-wallets

{
	"mcpServers": {
		"onchain-agent-wallets": {
			"command": "npx",
			"args": ["-y", "@three-ws/onchain-agent-wallets"],
			"env": {
				"OAW_NETWORK": "mainnet"
			}
		}
	}
}

create_agent_wallet
  id: "researcher"
  allowance: "100"
  per_tx: "5"
  daily: "20"
  allow_hosts: ["api.example.com"]
  confirm: true

fund_agent_wallet  id: "researcher"  amount: "500"  sol: "0.02"  confirm: true

pay_x402  id: "researcher"  url: "https://api.example.com/premium"  confirm: true
agent_pay id: "researcher"  to: "<address>"  amount: "2.50"  confirm: true

agent_wallet_status  id: "researcher"      # live balances, remaining allowance, warnings
spend_log            id: "researcher"      # every spend AND every refusal, with reasons
set_guardrails       id: "researcher"  paused: true      # instant, free, no transaction
revoke_agent_wallet  id: "researcher"  withdraw: true  confirm: true   # on-chain kill switch

{
	"ok": false,
	"error": "over_daily",
	"message": "20.5 would exceed the 20 daily cap (18 already spent)",
	"checks": [
		{ "check": "per_tx", "ok": true, "detail": "2.5 is within the 5 per-transaction cap" },
		{ "check": "daily", "ok": false, "detail": "20.5 would exceed the 20 daily cap (18 already spent)" }
	]
}

OAW_NETWORK=devnet npx -y @three-ws/onchain-agent-wallets

import { createVaultInstructions, readVault, spendableUnits } from '@three-ws/onchain-agent-wallets/lib/vault';

const { vault, instructions } = await createVaultInstructions({
	connection,
	owner: ownerPubkey,
	agentId: 'researcher',
	mint: usdcMint,
	delegate: agentPubkey,
	allowance: 100_000_000n, // 100 USDC
	decimals: 6,
});
// sign `instructions` with the owner, then:
const state = await readVault({ connection, vault });
console.log(spendableUnits(state)); // what the agent may spend right now

npm test