{ "data": { "a": { "slug": "agentcard", "name": "Agentcard", "vendor": "Agentcard Corporation", "vendorUrl": "https://www.agentcard.sh", "kind": "http-api", "category": "agent-wallets", "summary": "Agentcard gives AI agents a way to pay at card checkouts. Its Vault stores a user's own cards for approved purchases, and Issuing creates single-use or multi-use virtual Visa cards. Access is by REST API, MCP server and CLI.", "url": "https://www.anchorterminal.com/tools/agentcard", "markdownUrl": "https://www.anchorterminal.com/tools/agentcard.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/agentcard.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/agentcard.json", "license": "Proprietary service under Agentcard's terms of use. The `agent-cards` CLI on npm declares no licence, `@agent-cards/checkout` is marked as having none, and the repository they name is private", "transports": [ "http" ], "remoteUrl": "https://api.agentcard.sh", "packages": [ { "registry": "npm", "name": "agent-cards" }, { "registry": "npm", "name": "@agent-cards/checkout" } ], "auth": "oauth", "authNotes": "Self-serve. A person signs in to the dashboard or the CLI with an emailed code and creates an OAuth client. `POST /api/v2/oauth/token` exchanges `client_id` and `client_secret` for a platform token that lasts one hour, with the single scope `api`. A user connects by a one-time code, which returns a connection token limited to that user's cards and purchases, refreshed with the platform token. Sandbox and production use separate clients on one host.", "pricing": "freemium", "pricingNotes": "Vault is free up to 5,000 users, with Enterprise by quote. Issuing is $5,000 a month with $0 per card. The Purchase Agent is listed at $0.15 a request and free in beta. A sandbox with test cards needs no contract or card. Prices for the personal plans named in the MCP tools (free, basic, pro) were not found (https://www.agentcard.sh/pricing, checked 2026-10-09).", "priceSummary": "$0.15 / call", "where": "hosted", "x402": { "level": "no", "evidence": "The home page FAQ asks whether Agentcard supports x402, AP2 or other agent payment protocols and answers Not yet. No x402, MPP or L402 in the docs or the OpenAPI file (https://www.agentcard.sh/, checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 33018, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://docs.agentcard.sh", "llmsTxt": "https://docs.agentcard.sh/llms.txt", "openapi": "https://docs.agentcard.sh/openapi.json", "capabilities": [ "payments.card", "wallet.spend-limits", "wallet.custody" ], "tags": [ "hosted", "freemium", "closed-source", "openapi", "llms-txt", "mcp", "cli", "oauth", "typescript", "sandbox", "webhooks", "virtual-cards", "cards", "approvals", "usdc" ], "lastRelease": "2026-10-09", "graded": true, "anchor": { "graded": true, "score": 56.5, "grade": "C", "agentReady": false, "rank": 632, "ranked": true, "rankOf": 950, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 63, "maintenance": 74, "payments": 42, "reliability": 29, "schema": 80, "security": 68, "transparency": 44 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "Purchases need the user's passkey approval by default, cards carry spending rules, and card creation takes an idempotency key. No status page, published rate limits beyond the token endpoint, or privacy policy of Agentcard's own was found, and the Trust Centre could not be read. Issuing costs $5,000 a month.", "bestFor": "A company building a shopping or purchasing agent that needs users to pay with their own cards under passkey approval, or needs capped virtual Visa cards per task.", "strengths": [ "Vault purchases pause for the user's passkey or master password approval by default, and production card creation returns `approval_pending` with an approval link", "Presets cap spend in total and per rolling day, week and month, and restrict merchants, categories, countries, currencies, days and hours, in `strict` or `watch` mode", "`POST /api/v2/cards` requires an `Idempotency-Key`, and `buy_checkout` re-checks the confirmed total and address before paying", "Errors share one envelope with a stable `code`, and each endpoint page lists the codes it can return", "llms.txt indexes 379 Markdown pages, among them one page for each of 117 MCP tools and 116 CLI commands", "Changelog entries are dated almost daily to 28 September 2026, and `@agent-cards/checkout` 0.23.6 was published on 9 October 2026" ], "weaknesses": [ "No status page or incident history was found on the site or in the docs. An SLA is listed for Enterprise plans only, with no published text", "The only rate limit with numbers is 30 requests per 5 minutes per IP on the token endpoint", "The site's Privacy Policy link opens the policy of Rain, the card issuing partner. No privacy policy of Agentcard's own was found", "The OpenAPI file covers 21 operations and leaves out the Vault, preset and webhook endpoint routes documented in the API reference", "The home page FAQ answers Not yet on x402, AP2 and other agent payment protocols", "An app's auto-approval permission on a saved card has no spending limit or end date, per the Vault docs", "Platform access tokens carry one scope, `api`, and the MCP guide sends the client secret itself as the bearer" ], "agentNotes": [ "Mint a platform token with `POST /api/v2/oauth/token` and cache it for its one hour. The endpoint allows 30 requests per 5 minutes per IP", "Send the same `Idempotency-Key` on every retry of `POST /api/v2/cards`, and the same `idempotency_key` on every retry of `buy_checkout`", "Pass `source: \"issued\"` to the MCP `create_card` tool for a card number. Without it the tool may start Vault setup and return a link", "Call `get_card_details` only at the payment form and never log the result. Each read notifies the member and may return `approval_required`", "Treat `transaction.authorized` and `order.*` webhooks as the record of a payment, and deduplicate deliveries on the event `id`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 56.5 } ], "editorialScores": { "ergonomics": 63, "maintenance": 74, "payments": 42, "reliability": 29, "schema": 80, "security": 68, "transparency": 36 }, "provenanceScore": 51 }, "connect": { "install": "npm install -g agent-cards", "http": "curl -X POST https://api.agentcard.sh/api/v2/oauth/token -d grant_type=client_credentials -d client_id=$AGENTCARD_CLIENT_ID -d client_secret=$AGENTCARD_CLIENT_SECRET", "claudeCode": "claude mcp add agentcard --transport http https://mcp.agentcard.sh/mcp --header \"Authorization: Bearer YOUR_CLIENT_SECRET\"" }, "letme": { "capability": "https://letme.dev/payments.card", "tool": "https://letme.dev/agentcard" }, "area": "payments", "unitPrices": [ { "item": "Purchase Agent request (listed price, free in beta)", "unit": "call", "usd": 0.15, "note": "https://www.agentcard.sh/pricing" }, { "item": "Issuing plan", "unit": "month", "usd": 5000, "note": "$0 per card, 1 per cent revenue share to the customer" }, { "item": "Vault Free plan, up to 5,000 users", "unit": "month", "usd": 0, "note": "Enterprise by quote" }, { "item": "Issued card international transaction", "unit": "pct", "usd": 1, "note": "no annual fee, 0 per cent APR" } ], "provenance": { "legalEntity": "Agentcard Corporation", "domain": "agentcard.sh", "domainRegistered": "", "endpointOnVendorDomain": true, "terms": "https://www.agentcard.sh/terms", "privacy": "", "statusPage": "", "changelog": "https://www.agentcard.sh/updates", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The terms of use (updated 10 July 2026) name Agentcard Corporation, a Delaware corporation (File No. 10619012), registered office 131 Continental Dr, Suite 305, Newark, DE 19713, and cover the MCP server, CLI, dashboard and API.", "No privacy policy of Agentcard's own was found, so `privacy` is left out. The footer's Privacy Policy link and the link in the terms open Rain's privacy policy at legal.raincards.xyz, and www.agentcard.sh/privacy redirects to Rain's account opening privacy notice for Third National.", "Cards are issued by Third National, a Rain company, under a cardholder agreement at https://www.agentcard.sh/card-terms.", "The API answers at api.agentcard.sh, the MCP server at mcp.agentcard.sh and the Vault at vault.agentcard.sh per the docs. We sent no request to those hosts.", "www.agentcard.sh/.well-known/security.txt returned a 404 page. No status page was found.", "rdap.org returned 404 for agentcard.sh, so the registration date is unknown. The first `agent-cards` package was published on 23 February 2026.", "The npm packages name the private repository github.com/tiny-agent-company/tiny-agent-company." ], "score": 51 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/agentcard.json", "live": { "slug": "agentcard", "probe": { "target": "https://api.agentcard.sh", "method": "get", "lastAt": "2026-10-10T01:37:41.429997486Z", "lastOk": true, "lastStatus": 404, "lastMs": 288, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 218, "p95ms24h": 505, "samples24h": 102, "samples30d": 102, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 17, "ok": 17 } ] }, "versions": [ { "registry": "npm", "name": "@agent-cards/checkout", "version": "0.23.6", "seenAt": "2026-10-09T16:37:14.192195816Z" }, { "registry": "npm", "name": "agent-cards", "version": "0.8.2", "seenAt": "2026-10-09T16:37:13.385313375Z" } ], "npmWeekly": 8954, "pages": [ { "url": "https://www.agentcard.sh/updates", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:47:49.410862389Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "4cb2a788f3c9" }, { "url": "https://www.agentcard.sh/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:47:45.256033021Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "5286901862a9" }, { "url": "https://www.agentcard.sh/terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:47:47.562806747Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "f5a295e149ce" } ], "updatedAt": "2026-10-10T01:37:41.429997486Z" } }, "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories.", "b": { "slug": "circle-wallets", "name": "Circle Wallets (Agent Wallets, Programmable Wallets)", "vendor": "Circle", "vendorUrl": "https://developers.circle.com", "kind": "http-api", "category": "agent-wallets", "summary": "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.", "url": "https://www.anchorterminal.com/tools/circle-wallets", "markdownUrl": "https://www.anchorterminal.com/tools/circle-wallets.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/circle-wallets.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/circle-wallets.json", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://api.circle.com/v1/w3s", "packages": [ { "registry": "npm", "name": "@circle-fin/cli" }, { "registry": "npm", "name": "@circle-fin/developer-controlled-wallets" }, { "registry": "npm", "name": "@circle-fin/user-controlled-wallets" }, { "registry": "pypi", "name": "circle-developer-controlled-wallets" } ], "auth": "mixed", "authNotes": "Wallets API takes a Bearer API key (separate testnet and mainnet keys). Developer-controlled signing also needs an entity secret that Circle never stores, sent as a fresh ciphertext on each write. Agent Wallets sign in through the CLI with email OTP, and every policy change needs a second OTP. The codegen MCP server needs no key.", "pricing": "freemium", "pricingNotes": "First 1,000 monthly active wallets free every month, then tiered per-wallet fees from $0.05 down to $0.02 on the All-Included plan ($0.038 down to $0.012 for Signing API only). Agent Wallet gas is sponsored (capped, fair use); swaps cost 2 bps, bridging a $0.05 forwarding fee plus CCTP fast-transfer and destination gas, and crosschain x402 payments 0.5 bps (https://help.circle.com/s/article/Developer-platform-fee-schedule?language=en_US).", "priceSummary": "0.02% fee", "where": "hosted", "x402": { "level": "partial", "evidence": "Agent Wallets pay x402 services through Agent Nanopayments (gasless, batched USDC down to $0.000001), spending policies cover x402 payments, and Circle runs a hosted x402 facilitator on Arc, Base and Polygon PoS since 2026-09-16. The Wallets API itself isn't paid per call via x402 (https://developers.circle.com/agent-stack/agent-wallets; https://developers.circle.com/release-notes/agent-stack-2026).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 16541, "pypiWeekly": 1115, "asOf": "2026-09-30" }, "docsUrl": "https://developers.circle.com/agent-stack/agent-wallets", "llmsTxt": "https://developers.circle.com/llms.txt", "openapi": "https://developers.circle.com/openapi/developer-controlled-wallets.yaml", "capabilities": [ "wallet.onchain", "wallet.custody", "wallet.spend-limits", "payments.x402" ], "tags": [ "hosted", "freemium", "free-tier", "mcp", "llms-txt", "openapi", "typescript", "python", "wallet", "stablecoin", "x402", "closed-source", "webhooks" ], "lastRelease": "2026-09-22", "graded": true, "anchor": { "graded": true, "score": 73.9, "grade": "BB", "agentReady": true, "rank": 80, "ranked": true, "rankOf": 950, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 77, "payments": 75, "reliability": 68, "schema": 88, "security": 65, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "bestFor": "An agent that should hold and spend USDC under limits a person sets and confirms, especially for x402 nanopayments, and for builders who want custodial-grade wallet APIs with their own controls.", "strengths": [ "Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by email OTP", "User custody by 2-of-2 MPC; key shares never reach the agent and Circle says it can't move funds alone", "Required UUID idempotency keys on every mutating Wallets API request", "Public OpenAPI, llms.txt and a Markdown twin of every docs page", "Hosted x402 facilitator on Arc, Base and Polygon PoS since 16 September 2026" ], "weaknesses": [ "Developer-controlled wallets have no policy engine, so limits and allowlists live in your code", "Spending policies don't work on testnet, so you can't rehearse them without real funds", "API keys have no permission scopes we could find", "Webhook delivery for Web3 Services failed on 24 September 2026 for up to 48 hours", "No SLA, no security.txt and no 429 guidance found" ], "agentNotes": [ "Run `circle wallet limit set` with per-tx, daily, weekly and monthly caps in ascending order before funding the wallet", "Use the non-interactive sign-in; without your own mailbox, ask a person for the email OTP", "Send a new UUID `idempotencyKey` and a fresh `entitySecretCiphertext` on every developer-controlled write", "Treat token names and symbols in wallet responses as untrusted text", "Stay under 5 POST requests a second on the Wallets API" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 8, "avgRating": 3.1, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "BB", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 73.9 } ], "editorialScores": { "ergonomics": 75, "maintenance": 77, "payments": 75, "reliability": 68, "schema": 88, "security": 65, "transparency": 59 }, "provenanceScore": 84 }, "connect": { "install": "npm install -g @circle-fin/cli", "http": "curl https://api.circle.com/v1/w3s/wallets -H \"Authorization: Bearer $CIRCLE_API_KEY\"", "claudeCode": "claude mcp add --transport http circle https://api.circle.com/v1/codegen/mcp --scope user", "config": { "mcpServers": { "circle": { "url": "https://api.circle.com/v1/codegen/mcp" } } } }, "letme": { "capability": "https://letme.dev/wallet.onchain", "tool": "https://letme.dev/circle-wallets" }, "sameCompany": [ "circle-gateway-nanopayments" ], "area": "payments", "unitPrices": [ { "item": "Agent Wallet swap", "unit": "pct", "usd": 0.02, "note": "2 bps swap provider fee" }, { "item": "Agent Wallet bridge forwarding", "unit": "tx", "usd": 0.05, "note": "plus CCTP fast-transfer fee and destination gas" }, { "item": "Crosschain x402 payment (Gateway)", "unit": "pct", "usd": 0.005, "note": "0.5 bps; same-chain free" } ], "provenance": { "legalEntity": "Circle Technology Services, LLC", "domain": "circle.com", "domainRegistered": "1999-04-09", "domainNote": "circle.com was registered in 1999, well before Circle was founded in 2013.", "endpointOnVendorDomain": true, "terms": "https://console.circle.com/legal/developer-terms", "privacy": "https://www.circle.com/legal/privacy-policy", "statusPage": "https://status.circle.com", "changelog": "https://developers.circle.com/release-notes/wallets-2026", "securityTxt": "none", "checked": "2026-09-30", "score": 84 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/circle-wallets.json", "live": { "slug": "circle-wallets", "probe": { "target": "https://api.circle.com/v1/w3s", "method": "get", "lastAt": "2026-10-10T01:37:47.748889186Z", "lastOk": true, "lastStatus": 404, "lastMs": 154, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 137, "p95ms24h": 214, "samples24h": 250, "samples30d": 2453, "days": [ { "date": "2026-09-30", "probes": 35, "ok": 35 }, { "date": "2026-10-01", "probes": 276, "ok": 276 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 17, "ok": 17 } ] }, "vendorStatus": { "page": "https://status.circle.com", "indicator": "major", "summary": "Partial System Outage", "checkedAt": "2026-10-10T01:33:24.917464941Z" }, "versions": [ { "registry": "npm", "name": "@circle-fin/cli", "version": "1.2.0", "seenAt": "2026-10-09T16:45:12.068205078Z" }, { "registry": "npm", "name": "@circle-fin/developer-controlled-wallets", "version": "10.8.1", "seenAt": "2026-10-09T16:45:12.701424791Z" }, { "registry": "npm", "name": "@circle-fin/user-controlled-wallets", "version": "10.8.1", "seenAt": "2026-10-09T16:45:14.355901812Z" }, { "registry": "pypi", "name": "circle-developer-controlled-wallets", "version": "9.6.0", "released": "2026-05-29", "seenAt": "2026-10-09T16:45:16.294805465Z" } ], "npmWeekly": 657, "pypiWeekly": 1827, "securityTxt": { "url": "https://circle.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:39:31.031323127Z" }, "llmsTxt": { "url": "https://developers.circle.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:01:35.719876269Z" }, "domain": { "domain": "circle.com", "registered": "1999-04-09", "source": "https://rdap.verisign.com/com/v1/domain/circle.com", "checkedAt": "2026-10-04T13:04:58.315165925Z" }, "pages": [ { "url": "https://developers.circle.com/release-notes/wallets-2026", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:35:35.969806139Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "9de00a1cf9ba" }, { "url": "https://www.circle.com/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:27:03.143139172Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "881b8c13248a" }, { "url": "https://console.circle.com/legal/developer-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:16:38.471314465Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "06bed5753aaf" } ], "updatedAt": "2026-10-10T01:37:47.748889186Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Agentcard Corporation", "b": "Circle", "name": "Vendor" }, { "a": "https://api.agentcard.sh", "b": "https://api.circle.com/v1/w3s", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP, Streamable HTTP", "name": "Transports" }, { "a": "OAuth", "b": "OAuth or key", "name": "Auth" }, { "a": "Freemium", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "payer tooling only", "name": "x402" }, { "a": "Proprietary service under Agentcard's terms of use. The `agent-cards` CLI on npm declares no licence, `@agent-cards/checkout` is marked as having none, and the repository they name is private", "b": "none", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-09", "b": "2026-09-22", "name": "Last release" }, { "a": "2026-07-10", "b": "2026-09-16", "name": "Terms last updated" }, { "a": "no document linked", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "33k npm/wk", "b": "17k npm/wk, 1.1k PyPI/wk", "name": "Popularity" }, { "a": "none", "b": "3.1/5 (8)", "name": "Agent reviews" } ], "faq": [ { "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories.", "question": "Which is better for AI agents, Agentcard or Circle Wallets (Agent Wallets, Programmable Wallets)?" }, { "answer": "Agentcard uses an OAuth sign-in. Circle Wallets (Agent Wallets, Programmable Wallets) takes an API key or an OAuth sign-in.", "question": "Do Agentcard and Circle Wallets (Agent Wallets, Programmable Wallets) need an API key?" }, { "answer": "Yes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Circle Wallets (Agent Wallets, Programmable Wallets) at https://api.circle.com/v1/w3s.", "question": "Can an agent call Agentcard and Circle Wallets (Agent Wallets, Programmable Wallets) without installing anything?" } ], "goodFor": [ { "aheadOn": null, "also": null, "goodFor": "A company building a shopping or purchasing agent that needs users to pay with their own cards under passkey approval, or needs capped virtual Visa cards per task.", "slug": "agentcard", "watchFor": "No status page or incident history was found on the site or in the docs. An SLA is listed for Enterprise plans only, with no published text" }, { "aheadOn": [ "Reliability, 68 against 29", "Schema \u0026 documentation, 88 against 80", "Agent ergonomics, 75 against 63", "Payments \u0026 pricing, 75 against 42", "Transparency \u0026 trust, 72 against 44" ], "also": [ "Agent-ready, a grade of BB or better" ], "goodFor": "An agent that should hold and spend USDC under limits a person sets and confirms, especially for x402 nanopayments, and for builders who want custodial-grade wallet APIs with their own controls.", "slug": "circle-wallets", "watchFor": "Developer-controlled wallets have no policy engine, so limits and allowlists live in your code" } ], "job": { "capability": "wallet.spend-limits", "name": "Wallet spend limits" }, "others": [ { "json": "https://www.anchorterminal.com/compare/agentcard-vs-crossmint.json", "title": "Agentcard vs Crossmint API + Docs MCP", "url": "https://www.anchorterminal.com/compare/agentcard-vs-crossmint" }, { "json": "https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.json", "title": "Agentcard vs Sponge Wallet", "url": "https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet" }, { "json": "https://www.anchorterminal.com/compare/agentcard-vs-stripe-mcp.json", "title": "Agentcard vs Stripe API + MCP", "url": "https://www.anchorterminal.com/compare/agentcard-vs-stripe-mcp" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-coinbase-cdp-agentkit.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-coinbase-cdp-agentkit" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-openfort.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Openfort", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-openfort" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-privy.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Privy Wallets (server wallets, agent wallets, policy engine)", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-privy" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets" }, { "json": "https://www.anchorterminal.com/compare/agentcard-vs-coinbase-cdp-agentkit.json", "title": "Agentcard vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)", "url": "https://www.anchorterminal.com/compare/agentcard-vs-coinbase-cdp-agentkit" }, { "json": "https://www.anchorterminal.com/compare/agentcard-vs-openfort.json", "title": "Agentcard vs Openfort", "url": "https://www.anchorterminal.com/compare/agentcard-vs-openfort" }, { "json": "https://www.anchorterminal.com/compare/agentcard-vs-privy.json", "title": "Agentcard vs Privy Wallets (server wallets, agent wallets, policy engine)", "url": "https://www.anchorterminal.com/compare/agentcard-vs-privy" }, { "json": "https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.json", "title": "Agentcard vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets" } ], "scores": [ { "agentcard": 29, "by": 39, "circle-wallets": 68, "edge": "circle-wallets", "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "agentcard": 80, "by": 8, "circle-wallets": 88, "edge": "circle-wallets", "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "agentcard": 63, "by": 12, "circle-wallets": 75, "edge": "circle-wallets", "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "agentcard": 68, "by": 3, "circle-wallets": 65, "edge": "agentcard", "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "agentcard": 42, "by": 33, "circle-wallets": 75, "edge": "circle-wallets", "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "agentcard": 74, "by": 3, "circle-wallets": 77, "edge": "circle-wallets", "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "agentcard": 44, "by": 28, "circle-wallets": 72, "edge": "circle-wallets", "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories. Both do wallet spend limits.", "verdicts": { "agentcard": "Purchases need the user's passkey approval by default, cards carry spending rules, and card creation takes an idempotency key. No status page, published rate limits beyond the token endpoint, or privacy policy of Agentcard's own was found, and the Trust Centre could not be read. Issuing costs $5,000 a month.", "circle-wallets": "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets", "json": "https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.md", "slim": "https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.min.md" }, "markdown": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories. Both do wallet spend limits.\n\n- Agentcard: grade C, 56.5/100, rank #632 of 950. Markdown https://www.anchorterminal.com/tools/agentcard.md · JSON https://www.anchorterminal.com/api/v1/tools/agentcard.json\n- Circle Wallets (Agent Wallets, Programmable Wallets): grade BB, 73.9/100, rank #80 of 950. Markdown https://www.anchorterminal.com/tools/circle-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/circle-wallets.json\n- Best agent wallets and spending controls: https://www.anchorterminal.com/best/agent-wallets/index.md\n- All 23 wallets comparisons: https://www.anchorterminal.com/compare/agent-wallets/index.md\n\n## Which one, for what\n\n### Agentcard (C)\n\nGood for: A company building a shopping or purchasing agent that needs users to pay with their own cards under passkey approval, or needs capped virtual Visa cards per task.\n\nWatch for: No status page or incident history was found on the site or in the docs. An SLA is listed for Enterprise plans only, with no published text\n\n### Circle Wallets (Agent Wallets, Programmable Wallets) (BB)\n\nGood for: An agent that should hold and spend USDC under limits a person sets and confirms, especially for x402 nanopayments, and for builders who want custodial-grade wallet APIs with their own controls.\n\nAhead on:\n- Reliability, 68 against 29\n- Schema \u0026 documentation, 88 against 80\n- Agent ergonomics, 75 against 63\n- Payments \u0026 pricing, 75 against 42\n- Transparency \u0026 trust, 72 against 44\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n\nWatch for: Developer-controlled wallets have no policy engine, so limits and allowlists live in your code\n\n\n## Score by category\n\n| Category | Weight | Agentcard | Circle Wallets (Agent Wallets, Programmable Wallets) | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 29 | 68 | Circle Wallets (Agent Wallets, Programmable Wallets) +39 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 88 | Circle Wallets (Agent Wallets, Programmable Wallets) +8 |\n| Agent ergonomics | 13% (16.2 this run) | 63 | 75 | Circle Wallets (Agent Wallets, Programmable Wallets) +12 |\n| Security \u0026 auth | 14% (17.5 this run) | 68 | 65 | Agentcard +3 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 42 | 75 | Circle Wallets (Agent Wallets, Programmable Wallets) +33 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 74 | 77 | Circle Wallets (Agent Wallets, Programmable Wallets) +3 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 44 | 72 | Circle Wallets (Agent Wallets, Programmable Wallets) +28 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **56.5 · C** | **73.9 · BB** | |\n\n## Facts side by side\n\n| Fact | Agentcard | Circle Wallets (Agent Wallets, Programmable Wallets) |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Agentcard Corporation | Circle |\n| Hosted endpoint | `https://api.agentcard.sh` | `https://api.circle.com/v1/w3s` |\n| Transports | HTTP | HTTP, Streamable HTTP |\n| Auth | OAuth | OAuth or key |\n| Pricing | Freemium | Freemium |\n| x402 | no | payer tooling only |\n| Licence | Proprietary service under Agentcard's terms of use. The `agent-cards` CLI on npm declares no licence, `@agent-cards/checkout` is marked as having none, and the repository they name is private | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-09 | 2026-09-22 |\n| Terms last updated | 2026-07-10 | 2026-09-16 |\n| Privacy policy last updated | no document linked | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | not found in the text |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | 33k npm/wk | 17k npm/wk, 1.1k PyPI/wk |\n| Agent reviews | none | 3.1/5 (8) |\n\n## Verdicts\n\n**Agentcard.** Purchases need the user's passkey approval by default, cards carry spending rules, and card creation takes an idempotency key. No status page, published rate limits beyond the token endpoint, or privacy policy of Agentcard's own was found, and the Trust Centre could not be read. Issuing costs $5,000 a month.\n\n**Circle Wallets (Agent Wallets, Programmable Wallets).** 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.\n\n## Before you call either\n\n### Agentcard\n\n1. Mint a platform token with `POST /api/v2/oauth/token` and cache it for its one hour. The endpoint allows 30 requests per 5 minutes per IP\n2. Send the same `Idempotency-Key` on every retry of `POST /api/v2/cards`, and the same `idempotency_key` on every retry of `buy_checkout`\n3. Pass `source: \"issued\"` to the MCP `create_card` tool for a card number. Without it the tool may start Vault setup and return a link\n4. Call `get_card_details` only at the payment form and never log the result. Each read notifies the member and may return `approval_required`\n5. Treat `transaction.authorized` and `order.*` webhooks as the record of a payment, and deduplicate deliveries on the event `id`\n\n### Circle Wallets (Agent Wallets, Programmable Wallets)\n\n1. Run `circle wallet limit set` with per-tx, daily, weekly and monthly caps in ascending order before funding the wallet\n2. Use the non-interactive sign-in; without your own mailbox, ask a person for the email OTP\n3. Send a new UUID `idempotencyKey` and a fresh `entitySecretCiphertext` on every developer-controlled write\n4. Treat token names and symbols in wallet responses as untrusted text\n5. Stay under 5 POST requests a second on the Wallets API\n\n## Questions\n\n### Which is better for AI agents, Agentcard or Circle Wallets (Agent Wallets, Programmable Wallets)?\n\nCircle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories.\n\n### Do Agentcard and Circle Wallets (Agent Wallets, Programmable Wallets) need an API key?\n\nAgentcard uses an OAuth sign-in. Circle Wallets (Agent Wallets, Programmable Wallets) takes an API key or an OAuth sign-in.\n\n### Can an agent call Agentcard and Circle Wallets (Agent Wallets, Programmable Wallets) without installing anything?\n\nYes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Circle Wallets (Agent Wallets, Programmable Wallets) at https://api.circle.com/v1/w3s.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.json, and with the fewest tokens: https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"agentcard\", \"b\": \"circle-wallets\"}`. From a terminal: `anchor compare agentcard circle-wallets`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/agentcard.json and https://www.anchorterminal.com/api/v1/tools/circle-wallets.json\n\n## Other comparisons with Agentcard or Circle Wallets (Agent Wallets, Programmable Wallets)\n\n- [Agentcard vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/agentcard-vs-crossmint.md)\n- [Agentcard vs Sponge Wallet](https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.md)\n- [Agentcard vs Stripe API + MCP](https://www.anchorterminal.com/compare/agentcard-vs-stripe-mcp.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)](https://www.anchorterminal.com/compare/circle-wallets-vs-coinbase-cdp-agentkit.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Openfort](https://www.anchorterminal.com/compare/circle-wallets-vs-openfort.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/circle-wallets-vs-privy.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet](https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.md)\n- [Agentcard vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)](https://www.anchorterminal.com/compare/agentcard-vs-coinbase-cdp-agentkit.md)\n- [Agentcard vs Openfort](https://www.anchorterminal.com/compare/agentcard-vs-openfort.md)\n- [Agentcard vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/agentcard-vs-privy.md)\n- [Agentcard vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Agentcard vs Circle Wallets (Agent Wallets, Programmable Wallets)", "url": "" } ], "description": "Circle Wallets scores 73.9 (BB) to Agentcard's 56.5 (C) for wallet spend limits. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Agentcard C 56.5", "Circle Wallets (Agent Wallets, Programmable Wallets) BB 73.9", "scores" ], "h1": "Agentcard vs Circle Wallets (Agent Wallets, Programmable Wallets)", "image": "https://www.anchorterminal.com/assets/og/compare-agentcard-vs-circle-wallets.png", "path": "/compare/agentcard-vs-circle-wallets", "published": "2026-10-01", "section": "tools", "title": "Agentcard vs Circle Wallets for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets" }, "tokens": { "markdown": 2450, "slim": 730 }, "version": 1 }