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Overview

Float uses a two-layer wallet model: a treasury (your main balance) and individual agent wallets (one per agent). You load USDC once into the treasury. Agents draw from it automatically based on their spending policies. 
You → load USDC → Treasury wallet
                       │
              ┌────────┼────────┐
              ↓        ↓        ↓
         Agent A    Agent B   Agent C
         $5/day     $25/day   $10/day

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The treasury wallet

The treasury wallet is a Solana account linked to your owner identity (your Google, Apple, email, or wallet sign-in). It holds your USDC balance and acts as the funding source for all your agents. You can view your treasury address in the Float dashboard or by running: 
npx @usefloat/cli@latest status

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Agent wallets

Each agent has its own Solana wallet, automatically provisioned when you run npx @usefloat/cli@latest init. The agent wallet:
  • Has its own on-chain address
  • Holds a portion of your USDC (allocated from the treasury)
  • Pays for services directly — the treasury is not touched per payment
This means you can give different agents different budgets and track their spending independently in the Payments view.

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Spending policies

Every agent has a policy that governs how much it can spend:
FieldDescriptionDefault
dailyBudgetMax USDC the agent can spend in 24 hours$50
maxPerPaymentMax USDC for a single payment$5
cooldownSecondsMinimum seconds between payments0
allowedServicesWhitelist of service IDs (empty = all)All
Set policies from the Policies page or via the set_policy MCP tool.

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How funds move

1. You deposit USDC → Treasury (on-chain deposit)
2. Treasury → Agent wallet (allocate_budget or auto-allocation on init)
3. Agent wallet → Service provider (x402 payment on every API call)
Steps 2 and 3 happen automatically. You only interact with Step 1 (loading USDC).

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Monitoring

Every USDC movement is visible in the Float dashboard:
  • Overview — total balance, all-agents spend, budget utilisation
  • Agents — per-agent balance and lifetime spend
  • Payments — every individual transaction with status
No surprise charges. No hidden fees. Every payment is on-chain and verifiable.