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

# The Treasury Model

> One USDC balance. Many agents. Each agent draws from a shared treasury with individual spending limits.

## 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
```

## 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](https://app.usefloat.xyz) or by running:

```bash theme={null}
npx @usefloat/cli@latest status
```

## 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](https://app.usefloat.xyz/payments) view.

## Spending policies

Every agent has a policy that governs how much it can spend:

| Field             | Description                              | Default |
| ----------------- | ---------------------------------------- | ------- |
| `dailyBudget`     | Max USDC the agent can spend in 24 hours | \$50    |
| `maxPerPayment`   | Max USDC for a single payment            | \$5     |
| `cooldownSeconds` | Minimum seconds between payments         | 0       |
| `allowedServices` | Whitelist of service IDs (empty = all)   | All     |

Set policies from the [Policies page](https://app.usefloat.xyz/policies) or via the `set_policy` MCP tool.

## 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).

## 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.