> Source: [/docs/accounts](https://tempo.xyz/developers/docs/accounts.md) > Section: [Accounts](https://tempo.xyz/developers/docs/accounts.md). Create accounts, set up signing methods, policies, access keys, key rotation, and fees, and follow guides for users, automations, agents, and teams. > [Documentation index](https://tempo.xyz/developers/llms.txt) · [Docs skill](https://tempo.xyz/developers/SKILL.md) > Tempo MCP: Use `search`, `find_pages`, `read_page`, and `code` at `https://mcp.tempo.xyz` for Tempo and related documentation. > If an indexed page is missing or reflects an older site, read this site’s [documentation index](https://tempo.xyz/developers/llms.txt) and Markdown pages directly. # Tempo Accounts Give every customer and business a stablecoin account with security rules that Tempo enforces onchain. [Create an account →](https://tempo.xyz/developers/docs/accounts/create) A Tempo account: an address that holds stablecoin balances, a passkey and a private key as signers with weight 1 each toward a threshold of 2, and an access key with a daily limit. ## Overview A Tempo account is an address that holds stablecoins. Its rules live onchain, and each account has three parts: * **Address:** Holds the account's stablecoins. It never changes, even when you [replace its signers](https://tempo.xyz/developers/docs/accounts/account-configuration). * **Signers:** Approve payments and changes to the account. Each is a [private key, device key, or passkey](https://tempo.xyz/developers/docs/accounts/authentication) with a weight. A transaction runs once its approvers' weights reach the [threshold](https://tempo.xyz/developers/docs/accounts/policies/signing-thresholds), such as any 2 of 3. * **Access Keys:** Let a customer's phone, your backend, or an AI agent [pay on its own](https://tempo.xyz/developers/docs/accounts/access-keys). Each works within the limits, expiry, and allowed calls you set. ## Why Tempo Accounts * **Native Account Abstraction:** Every [Tempo Transaction](https://tempo.xyz/developers/docs/guide/tempo-transaction) has passkey signatures, access keys, batched calls, and [fee sponsorship](https://tempo.xyz/developers/docs/accounts/fees/fee-sponsorship) built in. You run no wallet contracts, bundlers, or paymasters. * **Self-Custodial:** Signing rules live onchain, and Tempo checks every transaction against them. When the customer holds the [passkey](https://tempo.xyz/developers/docs/accounts/authentication/passkeys) or [private key](https://tempo.xyz/developers/docs/accounts/authentication/private-keys), neither you nor Tempo can move their funds. * **Your Wallet Stack Works:** Tempo is [EVM compatible](https://tempo.xyz/developers/docs/quickstart/evm-compatibility). [Wallet providers](https://tempo.xyz/developers/docs/accounts/apps) and [custodians](https://tempo.xyz/developers/docs/accounts/custodians) such as Privy, Turnkey, Dynamic, and Fireblocks work, and so do browser wallets like MetaMask. ## What You Can Build * **Stablecoin Accounts for Your Users:** Each user gets their own account in your app. They approve with a key they hold, such as a [passkey](https://tempo.xyz/developers/docs/accounts/authentication/passkeys) or a provider key from Privy or Turnkey. You never hold their funds. * **Automated Payments:** Your backend, card program, or AI agent pays with its own revocable [access key](https://tempo.xyz/developers/docs/accounts/access-keys). Tempo rejects any payment over its limit, to an unlisted payee, or after it expires. * **Business Accounts:** Hold customer funds in one [omnibus account](https://tempo.xyz/developers/docs/accounts/custodians/omnibus-accounts), with a [deposit address](https://tempo.xyz/developers/docs/accounts/virtual-addresses) per customer and no sweep transactions. Or run a treasury from a [custodian](https://tempo.xyz/developers/docs/accounts/custodians) like Fireblocks. ## Start Building On mainnet, [create a single-key account](https://tempo.xyz/developers/docs/accounts/create#create-a-single-key-account) or support the [wallets your users already have](https://tempo.xyz/developers/docs/accounts/wallets). To try several signers and recovery, [create a configurable account](https://tempo.xyz/developers/docs/accounts/create#create-a-configurable-account) on the devnet. Then [add funds](https://tempo.xyz/developers/docs/accounts/fund). :::warning **Multiple signers arrive with the [T14 network upgrade](https://tempo.xyz/developers/docs/protocol/upgrades/t14).** Until T14 activates, an account with several signers and a threshold runs only on the [Tempo Accounts devnet](https://tempo.xyz/developers/docs/accounts/create#connect-to-the-devnet), not on mainnet or testnet, and may still change. ::: [Set Up a Self-Custodial Wallet With a Provider](https://tempo.xyz/developers/docs/accounts/apps/self-custodial-wallets): Your provider's key and the user's passkey approve together, and only the user can recover or leave without you. Devnet until T14. [Recover a User's Account](https://tempo.xyz/developers/docs/accounts/apps/recover-an-account): Replace a lost passkey with the signers the user still has, at the same address. Devnet until T14. [Pay Out From a Backend](https://tempo.xyz/developers/docs/accounts/automations/pay-out-from-a-backend): Your backend pays approved payees, up to a daily limit, with a key in your KMS. [Pay From a User's Embedded Wallet](https://tempo.xyz/developers/docs/accounts/automations/pay-from-an-embedded-wallet): A user's Privy or Turnkey wallet authorizes a key once, so your card or subscription backend pays within limits. [Give an Agent a Wallet](https://tempo.xyz/developers/docs/accounts/automations/give-an-agent-a-wallet): An AI agent's own key, with a budget, an expiry, and only the calls it needs. [Hold Customer Funds in an Omnibus Account](https://tempo.xyz/developers/docs/accounts/custodians/omnibus-accounts): A deposit address per customer, paying into one account that accepts only the stablecoins you list. [Set Up a Team Multisig](https://tempo.xyz/developers/docs/accounts/custodians/team-multisig): Any two of three approvers sign each payment, so no one moves funds alone. Devnet until T14. [Add Tempo to Your Wallet](https://tempo.xyz/developers/docs/accounts/wallets/add-tempo-to-your-wallet): Add the networks, show stablecoin balances, and send Tempo Transactions from your wallet. ## Related [Signing Methods](https://tempo.xyz/developers/docs/accounts/authentication): Covers approving payments with a passkey, a key on the device, or a private key. [Account Policies](https://tempo.xyz/developers/docs/accounts/policies): Covers requiring several approvals, and which stablecoins and senders can pay the account. [Access Keys](https://tempo.xyz/developers/docs/accounts/access-keys): Covers keys that let a backend, a device, or an agent pay on its own, within limits you set. [Account Configuration](https://tempo.xyz/developers/docs/accounts/account-configuration): Covers adding, removing, and rotating signers while the address stays the same. [Fee Management](https://tempo.xyz/developers/docs/accounts/fees): Covers paying network fees in stablecoins, or paying them for your customers. [Virtual Addresses](https://tempo.xyz/developers/docs/accounts/virtual-addresses): Covers giving each customer a deposit address that pays into one account.