# Separate funding from trading wallet

Keep long-term, cold, and funding capital off the hot wallet or broker sleeve the agent can spend — only move what the session ceiling allows. Pair with fund-session-ceiling, empty-sleeve-overnight, never-share-seed-with-agent, and kill-switch-before-travel. Agent Lane does not place trades, hold wallets, or invent broker/wallet UI.

Canonical HTML: https://agentlane.net/guides/separate-funding-from-trading-wallet/

## Answer first

Name two paths: funding (long-term/cold/refill the agent cannot spend from) and trading (dedicated hot wallet or broker sleeve live connectors can reach). Keep funding capital on the funding path. Before a live run, move only the session ceiling into the trading sleeve — then connect. Caps and a dedicated wallet are not enough if surplus funding still sits where tools can spend it.

## Why co-mingling funding and trading capital is the failure mode

- **Funding on the hot sleeve = blast radius above the session** — surplus tools can reach is still spendable — [fund-session-ceiling.md](./fund-session-ceiling.md).
- **“I’ll refill from here later” leaves tomorrow’s capital live today** — [empty-sleeve-overnight.md](./empty-sleeve-overnight.md), [revoke-connectors-when-idle.md](./revoke-connectors-when-idle.md).
- **Seeds on the agent path unlock everything** — [never-share-seed-with-agent.md](./never-share-seed-with-agent.md).

## What it means

1. Two named paths — funding vs trading (official product labels; you write them).
2. Funding capital stays off the hot path.
3. Only the session/daily ceiling crosses into the trading sleeve — [fund-session-ceiling.md](./fund-session-ceiling.md).
4. Empty when done — [empty-sleeve-overnight.md](./empty-sleeve-overnight.md).
5. No seeds on the agent path — [never-share-seed-with-agent.md](./never-share-seed-with-agent.md).

## Shield stack

1. [never-share-seed-with-agent.md](./never-share-seed-with-agent.md) — recovery off the agent path.
2. [dedicated-agent-wallet.md](./dedicated-agent-wallet.md) — bot spend path ≠ life savings.
3. Separate funding from trading wallet (this page) — funding stays cold; only ceiling enters hot sleeve.
4. [agent-spend-caps.md](./agent-spend-caps.md) + [fund-session-ceiling.md](./fund-session-ceiling.md).
5. [review-before-place.md](./review-before-place.md) while live.
6. [empty-sleeve-overnight.md](./empty-sleeve-overnight.md) + [kill-switch-before-travel.md](./kill-switch-before-travel.md) when you leave.

## How to separate funding from the trading wallet

1. Name the two paths (funding vs trading) — official names only.
2. Keep funding capital off the hot path.
3. Write the session ceiling first — [agent-spend-caps.md](./agent-spend-caps.md).
4. Move only the ceiling into the trading sleeve — [fund-session-ceiling.md](./fund-session-ceiling.md).
5. Connect/review only after sleeve matches ceiling — [review-before-place.md](./review-before-place.md); reconnect [one-connector-at-a-time.md](./one-connector-at-a-time.md).
6. Empty or kill-switch when done/leaving — [empty-sleeve-overnight.md](./empty-sleeve-overnight.md), [kill-switch-before-travel.md](./kill-switch-before-travel.md); incident → [revoke-before-debug.md](./revoke-before-debug.md).

## Practical checklist

- Two paths named (funding vs trading).
- Funding capital cold — not on the live sleeve.
- Ceiling-sized transfer only — no “for later” top-up while live.
- Balance matches ceiling before connect (official page, not chat).
- Empty overnight; kill-switch before travel.
- Official paths only — no invented transfer UI.

Related: [one-strategy-one-sleeve.md](./one-strategy-one-sleeve.md), [fund-session-ceiling.md](./fund-session-ceiling.md), [empty-sleeve-overnight.md](./empty-sleeve-overnight.md), [never-share-seed-with-agent.md](./never-share-seed-with-agent.md), [kill-switch-before-travel.md](./kill-switch-before-travel.md), [dedicated-agent-wallet.md](./dedicated-agent-wallet.md), [agent-spend-caps.md](./agent-spend-caps.md), [rotate-before-raise-balance.md](./rotate-before-raise-balance.md), [log-session-end-checklist.md](./log-session-end-checklist.md)., [one-venue-one-agent-session.md](./one-venue-one-agent-session.md)

## FAQ

**What does separate funding from trading wallet mean?**
Keep long-term/cold/funding capital off the hot wallet or broker sleeve; only move the session ceiling into the spend path. Pair with fund-session-ceiling, empty-sleeve-overnight, never-share-seed-with-agent, kill-switch-before-travel.

**How is this different from dedicated agent wallet?**
Dedicated wallet = bot has its own spend path. This page = do not park funding/refill capital on that hot path; only the ceiling crosses in.

**Do I invent a broker transfer UI?**
No. Official venue flows only. Agent Lane does not invent UI.

## Sources

- Canonical HTML: https://agentlane.net/guides/separate-funding-from-trading-wallet/
- Related shelf: https://agentlane.net/resources/
- Site index: https://agentlane.net/llms.txt

Agent Lane publishes checklists. We do not place trades, hold wallets, invent broker/wallet UI, or name your funding vs trading accounts.