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Solo mode

No users.create() — every call auto-scopes to your default user. 
import { Naive } from "@usenaive-sdk/node";
const naive = new Naive({ apiKey: process.env.NAIVE_API_KEY! });

await naive.cards.create({ spending_limit_cents: 25000 });
await naive.email.createInbox();
await naive.vault.put("instantly.api_key", "key_xyz");
const { redirectUrl } = await naive.connections.connect("gmail", { callbackUrl });

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Multi-tenant mode

Create a user from your app’s signup flow, then scope every call. 
const alice = await naive.users.create({
  external_id: dbUser.id,
  email: dbUser.email,
});

const client = naive.forUser(alice.id);
await client.cards.create({ spending_limit_cents: 25000 });
const { redirectUrl } = await client.connections.connect("gmail", { callbackUrl });
res.redirect(redirectUrl!);

// Hand a per-user MCP session to your agent
const session = await client.session();
console.log(session.mcp.url, session.mcp.headers);

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Productize with AccountKits

const pro = await naive.accountKits.create({
  name: "Pro",
  connections_config: { mode: "allowlist", toolkits: ["gmail", "slack", "stripe"] },
});
await naive.accountKits.assignUser(pro.id, alice.id);