> For the complete documentation index, see [llms.txt](https://black-sheep-finance.gitbook.io/black-sheep-finance-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://black-sheep-finance.gitbook.io/black-sheep-finance-docs/core-concepts/wallets.md).

# Wallets

A wallet in Black Sheep is a managed Solana keypair plus metadata.

## Kinds

| Kind    | Purpose                                           | Policy required        |
| ------- | ------------------------------------------------- | ---------------------- |
| `user`  | Personal / treasury wallet you control directly   | No                     |
| `agent` | Issued to a non-human caller (LLM, cron, service) | Yes (default attached) |

## Lifecycle

1. **Created** — keypair generated server-side, secret encrypted with libsodium (`xchacha20-poly1305`), public key returned to you.
2. **Funded** — you transfer SOL (for gas) and USDC (for spending) to the pubkey.
3. **Active** — accepts `send` calls subject to its policy.
4. **Frozen** *(optional)* — toggle in dashboard; all sends throw `Wallet frozen`.

## Custody model

* **Secret key**: encrypted at rest with a key held in our secrets vault. Never returned via any API. Never logged.
* **Decryption**: happens only inside the server function that signs the transaction, in memory, for the duration of one signing operation.
* **Export**: not supported by default. If you require self-custody, contact us about BYO-key mode (you sign client-side, we enforce policy + bookkeeping).

## Balances

`balance` is fetched live from a Solana RPC node — we don't cache it. Two amounts are returned:

```ts
{ sol: 0.0419, usdc: 184.32 }
```

`sol` is in whole SOL; `usdc` is in whole USDC (6 decimals on-chain, exposed as a number for ergonomics).

## Limits

* One account can hold an unlimited number of wallets.
* Pubkeys are unique per wallet — collisions are not possible (cryptographic).
* Renaming a wallet does not affect the pubkey or balances.


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