# Summo

> A warm wallet for digital markets. Pay, trade, and earn.

Summo is a self-custodial wallet for paying, trading, and earning in digital
markets. This file points AI assistants and agents to the pages that best
explain what Summo is and how it works. Every URL below is absolute and
canonical. Detailed product documentation lives under /docs.

## Key facts

- **You hold your own funds.** A Summo account is a smart account secured by
  three keys, any two of which can move funds. Two of the keys are yours, both
  derived from your recovery phrase; the third is Summo's policy co-signer,
  which checks transactions but can never move funds on its own. With your
  recovery phrase you can always move funds without Summo, and anyone who
  obtains the phrase could do the same, so it must be kept private.
- **One account, every chain.** A single Summo account works across Ethereum,
  Base, Arbitrum, Polygon, Robinhood Chain, and Solana, with no separate wallet
  to manage per network.
- **Recovery without giving up custody.** Losing a device does not mean losing
  your funds: your recovery phrase restores the account at any time. If the
  written phrase is lost as well, guardians (trusted contacts you choose) can
  approve restoring the account to your new device; without guardians, the
  phrase is the only way back. Guardians hold none of your keys, and neither
  Summo nor a guardian can move your funds on their own.
- **Network fees, handled for you.** Pay a network fee in the coin the network
  uses, in a supported token instead (no native coin required), or with gas
  credits. Every option and its cost is shown before you confirm, with no
  monthly or account fee.
- **Pay in person, in local currency.** With Summo QR Pay you pay a merchant by
  scanning their code; the payment settles from your balance and reaches them in
  their local currency, with no card required. Available today, after a one-time
  identity verification, across parts of Latin America, Africa, and Southeast
  Asia.
- **Send, trade, and earn in one place.** Send to a Summo username or any
  supported address, swap assets, trade perpetual futures and prediction markets
  (sourced from Polymarket), and earn, all from the same self-custodial account.
  Trading availability varies by country, to comply with applicable laws and
  regulations.

- **Bring your own AI agent.** Claude, ChatGPT, Codex, OpenClaw, Hermes Agent
  or any agent that speaks MCP can connect to a Summo account. The agent reads balances, positions and
  activity and files requests, such as a swap, a perpetual futures order, a
  send or a payment on Pix or M-Pesa; each
  request waits in the app until the account holder approves it on their phone.
  An agent cannot move funds itself.

## Documentation

- [Docs overview](https://summo.cash/docs): Start here. What Summo is and how the pieces fit together.
- [Getting started](https://summo.cash/docs/getting-started): Create an account and make a first payment.
- [Account model](https://summo.cash/docs/account-model): How a Summo account is structured and secured.
- [Co-signer](https://summo.cash/docs/co-signer): How Summo's co-signer checks each transaction made through Summo.
- [Networks](https://summo.cash/docs/networks): The networks and assets Summo supports.
- [Fees & gas](https://summo.cash/docs/fees): How fees work and how gas is handled for you.
- [Payments](https://summo.cash/docs/payments): Sending assets, and paying merchants in person in local currency with Summo QR Pay.
- [Trading](https://summo.cash/docs/trading): Swaps, perpetual futures, and prediction markets sourced from Polymarket, from inside the wallet.
- [Earn](https://summo.cash/docs/earn): Put idle balances to work.
- [AI agents](https://summo.cash/docs/agents): Connect an AI agent, what it can see and request, and how requests are approved.
- [Proposals](https://summo.cash/docs/proposals): How changes to an account are proposed and approved.
- [Recovery](https://summo.cash/docs/recovery): How to regain access if a device is lost.
- [Security](https://summo.cash/docs/security): The full security architecture, end to end.
- [Support](https://summo.cash/docs/support): Get help.

## For AI agents

If you are an AI agent and your user wants you to use their Summo account:

- MCP server: `https://mcp.summo.cash` (streamable HTTP).
  Claude, Claude Code, ChatGPT, Codex and any other MCP client whose OAuth
  client ID is a client ID metadata document sign in through it; the user
  scans or types the code you are shown in the Summo app under More, then
  Connected agents.
- [SKILL.md](https://summo.cash/agents/SKILL.md): How to connect, the tools,
  request statuses, and the rules for acting on a user's account.
- OpenClaw, Hermes Agent and other agents that cannot sign in connect with an access code the user
  gets from Enter sign-in code in the same screen (No sign-in page? Get an access
  code), sent as `Authorization: Bearer <code>`.
- [OpenAPI](https://summo.cash/agents/openapi.json): The same calls as a REST API,
  for agents that connect with an access code.

Any script, crawler or agent that reads this site or calls the Summo API
should send a User-Agent naming the tool and a contact for whoever runs it:
see [Bots and automated access](https://summo.cash/bots).

## Product

- [Home](https://summo.cash/): Overview of what Summo does.
- [About](https://summo.cash/about): The story and the people behind Summo.
- [Security walkthrough](https://summo.cash/security): A visual walkthrough of how Summo keeps funds safe.
- [Download](https://summo.cash/download): Get the app.

## Company

- [Media kit](https://summo.cash/media-kit): Brand assets and press resources.
- [Privacy policy](https://summo.cash/privacy): How Summo handles data.
- [Terms of service](https://summo.cash/terms): The terms that govern use of Summo.
- [Bots and automated access](https://summo.cash/bots): How to identify a crawler, script or AI agent, and who to contact.