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docs: accept Chat Wallets (ADR-0011), not built yet - #108
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The owner accepted a narrow route by which an agent in the separate agent account can ask the app to use separate small-amount keys on Base: six fixed requests, plain transfers only, owner limits and recipient list, and Touch ID plus the Master Password on every send. The agent never sees a key, and Seed Phrases and Private Keys never take part. Adds ADR-0011, amends ADR-0007, adds a related note to ADR-0004, the Chat Wallet glossary entry, an AGENTS.md rule, and one line each in the README, PRODUCT.md and the guide. Docs only: no code changes. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
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What
Records the owner's decision (2026-11-05) to accept Chat Wallets, ADR-0011. Docs only: nothing is built yet, and the app still gives agents no interface to the Vault.
A Chat Wallet is a new, separate Kind: one private key for one Base account, at an address that holds only a small amount. An agent in the separate agent account can ask the app to list, create, import, rename or send from one, or open the normal Add window. The agent never sees a key.
Why it reopens October's decision
The October 2026 design panels ruled out a signer on the Mac and approval by Master Password or Touch ID. Their reason still holds: an approval on this Mac isn't independent of software running on it. ADR-0011 says so plainly. The worst case for each Chat Wallet is whatever sits at its address, and larger amounts stay on a hardware wallet.
Changed
docs/adr/0011-chat-wallets.md: new, accepted. It includes the build order.CONTEXT.md: the Chat Wallet entry.AGENTS.md: a rule keeping the route narrow.README.md,PRODUCT.md,docs/guide.md: one "accepted, not built" line each.Checks
node scripts/scan-secrets.mjspassed, including the new file.node scripts/check-network-source.mjspassed../scripts/check.shnot run, because this change is docs only.🤖 Generated with Claude Code