SocketFi explains smart accounts as the foundation for agentic finance on Stellar. Rather than wallets requiring manual approval for every transaction, smart accounts let AI agents operate within granular, policy-defined permission sets. Users limit which assets can be traded, set daily spend caps, restrict approved protocols, and set time windows. Users maintain full control and can instantly revoke permissions.
SocketFi introduces smart accounts designed to enable AI agents to act on users' behalf while preserving user sovereignty. The accounts use policy-based permission sets: users define exactly which assets an AI can trade, maximum daily spend, approved protocols, time limits, and slippage tolerances. The AI receives only the permissions it needs; anything outside those bounds is rejected. Users can pause, revoke, or modify permissions at any time. This architecture unlocks a new category of financial automation on Stellar: portfolio rebalancing, yield farming, recurring investments, liquidation management, and treasury operations. Rather than asking users to manually approve each transaction or ceding full wallet control to an automation service, smart accounts create a middle path where trust is granular and revocable.
