> ## Documentation Index
> Fetch the complete documentation index at: https://www.dynamic.xyz/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Agents Overview

> Three wallet patterns for AI agents — server wallets, agent wallets, and delegated access — and how to choose between them.

AI agents need wallets to hold funds, sign transactions, and pay for services. Dynamic gives you three patterns. Pick the one that matches **who owns the wallet** and **how the agent authenticates**.

## Choose a pattern

|                                 | Server wallets                             | Agent wallets                                                                 | Delegated access                                                |
| ------------------------------- | ------------------------------------------ | ----------------------------------------------------------------------------- | --------------------------------------------------------------- |
| **Who owns the wallet**         | Your developer account                     | A Dynamic user                                                                | The end user (their embedded wallet)                            |
| **How the agent authenticates** | API token                                  | User JWT (after sign-in)                                                      | Materials from user-approved delegation                         |
| **Is a user required?**         | No                                         | Yes — a Dynamic user (human, the agent itself, or an identity from your auth) | Yes — the end user must approve                                 |
| **What the agent acts as**      | Your backend                               | That Dynamic user                                                             | The end user, with limited signing rights                       |
| **Best for**                    | Fully automated bots, cron jobs, pipelines | Agents that need a Dynamic user identity and user-scoped wallets              | Multi-user apps where each user keeps ownership of their wallet |

***

## Server wallets

**Definition:** Wallets your backend creates and controls. You authenticate with an **API token**. No Dynamic user is involved; your code signs with MPC key shares. Wallets belong to your developer account.

**Use this when**

* The agent acts on its own behalf, not as a Dynamic user
* Flows are fully automated: bots, scheduled tasks, pipelines
* You need to provision many wallets programmatically

**SDK support**

<div className="flex flex-wrap items-center gap-2 my-4 text-sm">
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/node.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=16f8140f26f963a84ba990f8657220ef" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/node.svg" /> Node</span>
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/python.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=e4e96b31384e6cbb3380425fb462b58e" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/python.svg" /> Python</span>
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/rust.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=d99941edd2805bf5c38d13c7eef382b1" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/rust.svg" /> Rust</span>
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] opacity-60"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/go.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=0091b43159f05eb4333fdf684b50feca" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/go.svg" /> Go · Soon</span>
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/java.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=d5013413c68913b9f728174a0cbae0cc" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/java.svg" /> Java</span>
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] opacity-60"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/ruby.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=e34bb95869e85fda391c9c9a72b97de3" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/ruby.svg" /> Ruby · Soon</span>
</div>

<CardGroup cols={2}>
  <Card title="Node" icon="node" href="/docs/node/wallets/server-wallets/overview">
    Create wallets, sign transactions, and manage key shares from your backend.
  </Card>

  <Card title="Python" icon="python" href="/docs/python/quickstart">
    Server-side MPC wallets on EVM and Solana.
  </Card>

  <Card title="Rust" icon="rust" href="/docs/rust/quickstart">
    Server-side MPC wallets (beta).
  </Card>

  <Card title="Java" icon="java" href="/docs/java/quickstart">
    Server-side MPC wallets (beta).
  </Card>
</CardGroup>

***

## Agent wallets

**Definition:** A server-side agent operates a Dynamic **embedded wallet** as a Dynamic user. The agent authenticates with a **user JWT** (not your API token), so every wallet it creates or signs with belongs to that user.

The Dynamic user can be:

* **A human** — the agent signs them in (email OTP or wallet signature), then acts on their behalf
* **The agent itself** — the agent authenticates with an **agent signing token** (a secp256k1 private key it holds) and mints its own JWT; no human in the loop
* **An identity from your own auth** — the agent exchanges a JWT from your external issuer for a Dynamic user JWT

**Use this when**

* The agent needs a Dynamic user identity and user-scoped wallets
* You want wallets that show up as belonging to a user (not your developer account)
* The agent must sign in headlessly (including fully autonomous agents)

**How this differs from server wallets:** Same MPC signing stack on the backend, different ownership. Server wallets authenticate with an API token and belong to your developer account. Agent wallets authenticate with a user JWT and belong to a Dynamic user.

**SDK support**

<div className="flex flex-wrap items-center gap-2 my-4 text-sm">
  <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/node.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=16f8140f26f963a84ba990f8657220ef" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/node.svg" /> Node</span>
</div>

<CardGroup cols={2}>
  <Card title="Node" icon="node" href="/docs/node/agents/overview">
    Sign in with a user JWT, create embedded wallets, and sign as that Dynamic user.
  </Card>
</CardGroup>

***

## Delegated access

**Definition:** Your agent signs on behalf of an end user who has explicitly approved it. The user's **embedded wallet** stays user-owned; they grant your server limited signing rights and can revoke at any time.

**Use this when**

* The agent acts on behalf of a specific end user
* You want the user to stay in control of their wallet
* Multi-user apps where each user has their own wallet the agent uses

**How this differs from agent wallets:** With agent wallets, the agent *is* (or signs in as) the Dynamic user and owns the wallet under that user. With delegated access, the end user already owns an embedded wallet and grants your server limited rights to sign for them.

**SDK support**

Delegated access has two legs — a client SDK to trigger the user's consent prompt, and a server SDK to use the delegated materials afterward.

<div className="grid grid-cols-[auto_1fr] items-center gap-x-3 gap-y-3 my-4 text-sm">
  <span className="text-xs uppercase tracking-wide opacity-60">Trigger</span>

  <div className="flex flex-wrap items-center gap-2">
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/react.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=1cf149f3cb9eab0e2c13d10f8e8f8c09" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/react.svg" /> React</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/javascript.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=beae7147f961348c23b361c0d54a1113" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/javascript.svg" /> JavaScript</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/react.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=1cf149f3cb9eab0e2c13d10f8e8f8c09" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/react.svg" /> React Native</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/swift.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=c43e4f6aaee14603e902cb2016c62ab2" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/swift.svg" /> Swift</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/kotlin.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=e53beee08e9748585fc295095023d8bd" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/kotlin.svg" /> Kotlin</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/flutter.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=af10298cf91de5d90884708e989a605b" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/flutter.svg" /> Flutter</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/unity.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=e92b864d90bfc3134049b306865443a3" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/unity.svg" /> Unity</span>
  </div>

  <span className="text-xs uppercase tracking-wide opacity-60">Use</span>

  <div className="flex flex-wrap items-center gap-2">
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/node.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=16f8140f26f963a84ba990f8657220ef" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/node.svg" /> Node</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/python.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=e4e96b31384e6cbb3380425fb462b58e" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/python.svg" /> Python</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/rust.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=d99941edd2805bf5c38d13c7eef382b1" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/rust.svg" /> Rust</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] opacity-60"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/go.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=0091b43159f05eb4333fdf684b50feca" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/go.svg" /> Go · Soon</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] ring-1 ring-gray-300 dark:ring-white/10"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/java.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=d5013413c68913b9f728174a0cbae0cc" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/java.svg" /> Java</span>
    <span className="inline-flex items-center gap-2 whitespace-nowrap rounded-md px-2.5 py-1.5 bg-gray-100 dark:bg-white/[0.04] opacity-60"><img src="https://mintcdn.com/dynamic-docs-testing/p5WK-MuiM9G2AoW9/assets/images/sdks/ruby.svg?fit=max&auto=format&n=p5WK-MuiM9G2AoW9&q=85&s=e34bb95869e85fda391c9c9a72b97de3" alt="" className="size-5 !m-0 inline-block align-middle" width="24" height="24" data-path="assets/images/sdks/ruby.svg" /> Ruby · Soon</span>
  </div>
</div>

<Card title="Delegated Access Overview" icon="arrow-right" href="/docs/overview/wallets/embedded-wallets/mpc/delegated-access/overview">
  How delegated access works, security considerations, and dashboard configuration.
</Card>

***

## Agent payments

Agents often need to pay for API access or services without a human in the loop. Dynamic server wallets plug into HTTP 402 payment flows — including [x402](https://www.x402.org/) and [Tempo MPP](https://docs.tempo.xyz) — so the agent can sign, pay, and retry automatically.

<Card title="Agent Payments" icon="credit-card" href="/docs/overview/agents/agent-payments">
  Wire HTTP 402 payment flows to a Dynamic server wallet.
</Card>