> ## Documentation Index
> Fetch the complete documentation index at: https://docs.atlasyield.club/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounts and funding

> Two ways in, one ownership model — the user owns the keys at every step.

This section describes exactly how money moves when a user acts on an Atlas portfolio.
The invariant throughout: **funds go from the user's account into the underlying
protocol's vault, with the user as the on-chain owner at every step.** AtlasYield never
sits in the middle of the flow.

## Accounts

Two ways in, one ownership model:

* **Connect a wallet.** Web3 users connect an existing self-custodial wallet and
  transact from it directly.
* **Sign in with email or Google.** Web2 users get an embedded self-custodial wallet
  (via Privy) paired with an ERC-4337 smart account. The key is the user's; AtlasYield
  cannot move funds from it. For these users the app calls it an "Account" and hides the
  crypto plumbing, but the ownership model is identical.

For smart-account users, gas on supported chains is sponsored by a paymaster (all
supported chains except BNB Chain), so deposits and withdrawals don't require the user
to hold native gas tokens first.

## Funding

Users fund their account with a card/bank onramp or by bridging existing crypto in. The
funding leg is a plain transfer into the user's own address — no Atlas contract is
involved.