---
title: What is my wallet, and what does it hold?
description: "When you join BananaCrystal, a secure **wallet is created for you automatically**. Your money is held in it as **stablecoin tokens** -- digital tokens that hold a stable value pegged 1:1 to a real currency: - **USDb** -- pegged to…"
url: "https://www.bananacrystal.com/faq/what-is-my-wallet-and-what-does-it-hold/"
updated: "2026-07-27"
category: "Agents / Wallet & Balances"
---

# What is my wallet, and what does it hold?

When you join BananaCrystal, a secure **wallet is created for you automatically**. Your money is held in it as **stablecoin tokens** -- digital tokens that hold a stable value pegged 1:1 to a real currency:

- **USDb** -- pegged to the US Dollar.
- **NGNb** -- pegged to the Nigerian Naira.
- Other local-currency stablecoins may be available, following the same naming pattern (currency code + "b").

These tokens are what you deposit into, spend, trade, swap, and withdraw. Your wallet has a unique account ID in the format **`0.0.XXXXX`**.