Hedera Agent Accounts Explained: Limits, Allowlists, Keys

Hedera agent accounts are Hedera's planned accounts that let an AI agent spend inside rules its owner sets, such as approved recipients and daily limits. Hedera has published a page for them, with an early access form, under the line "Give your AI agent the keys to act, without giving up control." The page does not give a launch date, a price or a technical specification.

This page separates what Hedera says about the product from the Hedera features any account can use today, then shows what an agent can already do with SentX.

What Hedera says agent accounts do

Everything in this list is Hedera's description of its own product, from hedera.com/agent-accounts, read on October 8, 2026.

An agent account lets an autonomous agent hold, spend and settle funds.
The owner defines spending policies: approved recipient accounts, daily limits, limits per transaction and time based restrictions. Hedera says an address that is not on the list "doesn't move".
The owner sets allowances from their own wallet, and the spend rules live in smart contracts that only the owner can configure. Hedera calls this non-custodial.
Large moves can need a second factor approval first.
There is an audit trail of the agent's actions and transactions.
It works with agent runtimes such as Claude Code and Codex, or an agent you build yourself.
Power users can let an agent operate across Hedera and EVM compatible chains.

Hedera has not named a HIP, the improvement proposals that define new network features, for agent accounts. Until it publishes one or a developer specification, treat the details above as product plans, not network rules.

Hedera features you can use today

Hedera has not said which of these agent accounts are built on. All of them are live on mainnet, documented, and open to any account, so a builder can put an agent behind them now.

A separate account: Create an account for the agent and fund it with only what the job needs. If something goes wrong, the loss stops at that balance.
Allowance (HIP-336): Keep funds in your own account and approve the agent's account to spend up to a set amount of HBAR or a token, specific NFT serials, or every serial of a collection. A new approval replaces the old amount and each spend reduces it, so the cap is a running total, not a daily limit. Within it the agent can send to any account. An account can hold up to 100 HBAR, token and whole collection allowances.
Key list and threshold key: An account key can be a list of keys that all have to sign, or a threshold key where any two of three, for example, are enough. Pair the agent's key with a person's, and a payment needs both.
Scheduled transaction: The agent creates a transaction and the other signers add their signatures on the network. It runs once the required signatures are in. Hedera's docs give 62 days as the longest a schedule can wait.
Fees fixed in US dollars: Fees are set in dollars and paid in HBAR. Base fees: an HBAR transfer about $0.0001, approving an allowance $0.05, creating a schedule $0.01, adding a signature to it $0.001. See Hedera's fee table.

Native allowances have no daily limit, no time window and no list of approved recipients. Those are the rules Hedera says agent accounts add, with smart contracts the owner configures.

Why AI agents pay with HBAR covers fees, settlement, audit logs and x402 payments in more depth.

What an agent can do with SentX today

SentX runs a read-only MCP server at https://mcp.sentx.io/mcp. An agent in Claude, ChatGPT, Claude Code, Cursor, VS Code or your own code can use it to research the Hedera NFT market before its owner decides anything:

Find a collection by name, and read its floor price, also for one trait.
See listings for sale now and buy offers, next to the seller's asking price.
Follow recent sales, new listings and price changes.
Read one NFT's details or the NFTs a Hedera account holds.
Check the whole market's last 24 hours and DreamForge AI model prices.

Every answer says when the data was read and how old its figures may be. AI agents and MCP has the full tool list and the setup for each client. Developers can also read the same market data from the SentX API.

What is not possible yet

The SentX MCP server only reads. It cannot buy, sell, list, transfer or sign, so an agent account connected to it has nothing to spend there.
Hedera is taking early access sign-ups for agent accounts, and SentX has not announced support for them.
Hedera has not published how its spending rules are enforced, so nobody outside Hedera can audit them yet.

The MCP server does not buy; buying on sentx.io happens in your own wallet, where the price is checked again at the moment you approve.

Common questions

What is a Hedera agent account?

Hedera describes it as an account an AI agent can spend from, inside rules its owner sets: approved recipients, daily and per transaction limits, time windows and approval for large amounts. Hedera is taking sign-ups through an early access form.

When will agent accounts launch?

Hedera has not given a date. Its page offers an early access form only.

How is this different from an allowance?

An allowance, live since HIP-336, caps how much a spender account can move from yours in total. It does not limit recipients, days or times. Hedera says agent accounts add those rules through smart contracts.

Can my agent buy NFTs on SentX?

Not through the SentX MCP server, which only reads. The SentX API can place and cancel collection offers for your own wallet once you switch on the Manage Collection Offers permission in Settings.

Which agents work with agent accounts?

Hedera names Claude Code and Codex and says any agent runtime works. Claude Code and Codex can also connect to the SentX MCP server for market data.

What can I do now to keep an agent's spending safe?

Give it its own account with a small balance or an allowance, never your main key. Add a threshold key that needs your signature above a set amount, and start on testnet.