# Set Up Your Account

Canonical URL: https://magiccard.ai/docs/guides/account-setup
Markdown URL: https://magiccard.ai/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 MagicPay account, link Mercuryo, pass KYC, fund MagicCard, 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 MagicPay account, link Mercuryo, pass KYC, fund MagicCard, connect an agent, and add Memory. Protected payment and identity data stays behind MagicPay requests instead of entering LLM-visible context.

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

## Account Flow

The user account is the authority behind agent payments.

1. Start from the MagicPay UI or send the hosted MagicPay skill prompt to your agent.
2. For landing setup, the skill asks for email, runs the setup command, and asks you for the OTP.
3. For UI-created agents, use the generated setup-token prompt; the agent should run `magicpay init "<setup-token>"` and then `magicpay status`.
4. Create or link the Mercuryo payment account associated with the same email.
5. Complete identity verification (KYC) in the Mercuryo verification flow opened from MagicPay.
6. Top up the MagicCard balance. Crypto top-up is available now; fiat top-up depends on the active provider route.
7. Connect one or more agents through the MagicPay 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 MagicCard shows a balance, and at least one agent is connected.

## Connect The First Agent

Send the agent `Set up MagicPay from https://app.magiccard.ai/skill.md`. The installed skill verifies the CLI, runs `magicpay setup next`, handles email/OTP or existing-connection branches, and generates the top-up link when the account is ready.

## 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://magiccard.ai/docs/guides/connect-agent
- Getting Started: https://magiccard.ai/docs/getting-started
- MagicPay Components: https://magiccard.ai/docs/components