# Set Up Your Account

Canonical URL: https://agent.payrail.one/docs/guides/account-setup
Markdown URL: https://agent.payrail.one/docs/guides/account-setup.md
Summary: Follow this guide when you are preparing a user account for the first real payment session.
Description: Create the Payrail Agent account, link the payment account, pass KYC, fund Payrail Agent Card, connect an agent, and add Memory.

## Canonical Answer

Follow this guide when you are preparing a user account for the first real payment session. Create the Payrail Agent account, link the payment account, pass KYC, fund Payrail Agent Card, connect an agent, and add Memory. Protected payment and identity data stays behind Payrail Agent requests instead of entering LLM-visible context.

![Account setup, step by step](https://agent.payrail.one/docs-assets/images/guides-account-setup-flow.svg)

## Account Flow

The user account is the authority behind agent payments.

1. Start from the Payrail Agent UI or send the hosted Payrail Agent skill prompt to your agent.
2. For landing setup, paste the one-line prompt that points to the hosted `skill.md`.
3. Complete email and OTP confirmation on the runtime-native MCP OAuth page. That same confirmation authorizes the remote MCP connection.
4. Create or link the payment account associated with the same email.
5. Complete identity verification (KYC) in the provider verification flow opened from Payrail Agent.
6. Top up the Payrail Agent Card balance. Crypto top-up is available now; fiat top-up depends on the active provider route.
7. Connect one or more agents through the Payrail Agent skill or UI-generated setup prompt.
8. Add public facts and sensitive Memory items that will make future payment sessions smoother.

Note: Done when: KYC is approved, the Payrail Agent Card shows a balance, and at least one agent is connected.

## Connect The First Agent

Send the agent `Set up Payrail Agent from https://agent.payrail.one/skill.md`. The native plugin opens one remote MCP OAuth flow for email and OTP confirmation, then uses remote tools for capabilities, status, and top-up.

## First Payment

Ask the agent for a low-risk payment operation first, such as buying a coffee or completing a checkout page you already trust. Add more Memory and preferences as the agent learns your payment behavior.

## Related

- Connect An Agent: https://agent.payrail.one/docs/guides/connect-agent
- Getting Started: https://agent.payrail.one/docs/getting-started
- Payrail Agent Components: https://agent.payrail.one/docs/components