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Available on the root (default user) and naive.forUser(id).
balance() returns a bare array of USDC balances (Base); fields are camelCase. The SDK deliberately exposes no fund, transfer, policy, or sweep — per spec §3.7 those are operator-surface only, not agent tools, so they are reachable only over REST with an operator credential (a signed-in session or a wallet:admin-scoped key). The cheapest way to stop an agent moving the float is to give it no way to ask. Agents spend via payments, bounded by perTxMax. Gated by the payments primitive in the user’s AccountKit (opt-in — off by default).