# Agent wallets and spending controls

> 3 agent wallets & spending controls ranked by the Anchor benchmark. Leader Circle Wallets (Agent Wallets, Programmable Wallets) (BB). Wallets and payment credentials an agent can hold, with limits a person sets. Compared on who holds the keys or funds, per-transaction and daily limits, allow-lists, chains and cards supported, and how an operator revokes access.

- Canonical: https://www.anchorterminal.com/categories/agent-wallets
- Markdown: https://www.anchorterminal.com/categories/agent-wallets.md (~1,300 tokens)
- Slim: https://www.anchorterminal.com/categories/agent-wallets.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/categories/agent-wallets.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-04

Wallets and payment credentials an agent can hold, with limits a person sets. Compared on who holds the keys or funds, per-transaction and daily limits, allow-lists, chains and cards supported, and how an operator revokes access.

- Tools ranked: 3 · agent-ready (BB or better): 3 · accept x402: 3 · hosted endpoints: 3 · desk reviews by the panel: 12
- JSON: https://www.anchorterminal.com/api/v1/tools.json (list) · https://www.anchorterminal.com/api/v1/rankings.json (ranked) · https://www.anchorterminal.com/api/v1/x402.json (payable) · https://www.anchorterminal.com/api/v1/capabilities.json (by capability)
- Grades run AA, A, BB, B, C, D, E, F · methodology: https://www.anchorterminal.com/benchmark/

- Capabilities in this category: wallet.onchain, wallet.custody, wallet.spend-limits, payments.x402, payments.card
- https://letme.dev/wallet.onchain picks the top-graded tool in this list and says how to call it direct; calling through letme comes later (https://www.anchorterminal.com/letme/index.md)

## Ranking

| # | Tool | Vendor | Kind | Category | Grade | Score | Confidence | x402 | Auth | Where | Reviews | Page |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 50 | Circle Wallets (Agent Wallets, Programmable Wallets) | Circle | HTTP API | Wallets | BB | 74.1 | medium | payer | OAuth or key | hosted | 3.1/5 (8) | https://www.anchorterminal.com/tools/circle-wallets.md |
| 78 | Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) | Coinbase Developer Platform | SDK + MCP | Wallets | BB | 71.6 | medium | payer | OAuth or key | hosted + local | 3.5/5 (2) | https://www.anchorterminal.com/tools/coinbase-cdp-agentkit.md |
| 101 | Privy Wallets (server wallets, agent wallets, policy engine) | Privy (Stripe) | HTTP API | Wallets | BB | 70.1 | medium | payer | OAuth or key | hosted | 3.5/5 (2) | https://www.anchorterminal.com/tools/privy.md |

Scores are from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/), with Performance and Task success pending. p95 latency and context cost come from our probes, which haven't run yet.

## Summaries

### 50. Circle Wallets (Agent Wallets, Programmable Wallets), BB (74.1)

Circle's wallet APIs (developer-controlled, user-controlled and modular wallets) plus Agent Wallets, a USDC wallet an agent drives through the Circle CLI with per-transaction, daily, weekly and monthly caps and address allowlists. Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by email OTP. Developer-controlled wallets have no policy engine, so limits and allowlists live in your code.

- Page: https://www.anchorterminal.com/tools/circle-wallets · Markdown: https://www.anchorterminal.com/tools/circle-wallets.md · JSON: https://www.anchorterminal.com/api/v1/tools/circle-wallets.json
- Capabilities: wallet.onchain, wallet.custody, wallet.spend-limits, payments.x402 · endpoint: `https://api.circle.com/v1/w3s`

### 78. Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP), BB (71.6)

Coinbase's wallet infrastructure for agents, with programmatic transactions, spending controls and MCP integrations. Operator-set max per call and max per session that the agent can't change, set in the wallet UI. AgentKit on npm is 0.10.4 from December 2025, and its fix for a local file read and public upload path is unreleased.

- Page: https://www.anchorterminal.com/tools/coinbase-cdp-agentkit · Markdown: https://www.anchorterminal.com/tools/coinbase-cdp-agentkit.md · JSON: https://www.anchorterminal.com/api/v1/tools/coinbase-cdp-agentkit.json
- Capabilities: wallet.onchain, wallet.custody, wallet.spend-limits, payments.x402 · endpoint: `https://mcp.base.org`

### 101. Privy Wallets (server wallets, agent wallets, policy engine), BB (70.1)

Wallet infrastructure owned by Stripe since June 2025. Default-deny policies with DENY precedence on recipients, values, contracts, calldata, typed data and time windows, enforced in AWS Nitro Enclaves. Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July.

- Page: https://www.anchorterminal.com/tools/privy · Markdown: https://www.anchorterminal.com/tools/privy.md · JSON: https://www.anchorterminal.com/api/v1/tools/privy.json
- Capabilities: wallet.onchain, wallet.custody, wallet.spend-limits, payments.x402 · endpoint: `https://api.privy.io/v1`