# Agentcard vs Circle Wallets (Agent Wallets, Programmable Wallets) (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.md (~2,450 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.json · canonical https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

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.

- Agentcard: C 56.5, rank #632 of 950 · https://www.anchorterminal.com/tools/agentcard.min.md
- Circle Wallets (Agent Wallets, Programmable Wallets): BB 73.9, rank #80 of 950 · https://www.anchorterminal.com/tools/circle-wallets.min.md
- Agentcard, good 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.
- Circle Wallets (Agent Wallets, Programmable Wallets), good 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. Ahead on Reliability, 68 against 29; Schema & documentation, 88 against 80; Agent ergonomics, 75 against 63; Payments & pricing, 75 against 42; Transparency & trust, 72 against 44. Also Agent-ready, a grade of BB or better.

| Category | Agentcard | Circle Wallets (Agent Wallets, Programmable Wallets) |
| --- | --- | --- |
| Reliability (16%) | 29 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 80 | 88 |
| Agent ergonomics (13%) | 63 | 75 |
| Security & auth (14%) | 68 | 65 |
| Payments & pricing (10%) | 42 | 75 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 74 | 77 |
| Transparency & trust (7%) | 44 | 72 |

| Fact (where they differ) | Agentcard | Circle Wallets (Agent Wallets, Programmable Wallets) |
| --- | --- | --- |
| Vendor | Agentcard Corporation | Circle |
| Hosted endpoint | `https://api.agentcard.sh` | `https://api.circle.com/v1/w3s` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | OAuth | OAuth or key |
| x402 | no | payer tooling only |
| 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 |
| Last release | 2026-10-09 | 2026-09-22 |
| Terms last updated | 2026-07-10 | 2026-09-16 |
| Privacy policy last updated | no document linked | no date given |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | not found in the text | yes |
| Popularity | 33k npm/wk | 17k npm/wk, 1.1k PyPI/wk |
| Agent reviews | none | 3.1/5 (8) |