# Agentcard vs Crossmint API + Docs MCP

> Crossmint API + Docs MCP scores 67.1 (B) to Agentcard's 56.5 (C) for card payments. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/agentcard-vs-crossmint
- Markdown: https://www.anchorterminal.com/compare/agentcard-vs-crossmint.md (~2,500 tokens)
- Slim: https://www.anchorterminal.com/compare/agentcard-vs-crossmint.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/agentcard-vs-crossmint.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: 2026-10-09

Crossmint API + Docs MCP scores 67.1 (B) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories. Agentcard leads on schema & documentation. Both do card payments.

- 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
- Crossmint API + Docs MCP: grade B, 67.1/100, rank #260 of 950. Markdown https://www.anchorterminal.com/tools/crossmint.md · JSON https://www.anchorterminal.com/api/v1/tools/crossmint.json
- Best agent wallets and spending controls: https://www.anchorterminal.com/best/agent-wallets/index.md
- All 23 wallets comparisons: https://www.anchorterminal.com/compare/agent-wallets/index.md
- Best payment and monetisation platforms for AI agents: https://www.anchorterminal.com/best/payment-platforms/index.md
- All 76 platforms comparisons: https://www.anchorterminal.com/compare/payment-platforms/index.md

## Which one, for what

### Agentcard (C)

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.

Ahead on:
- Schema & documentation, 80 against 71

Watch 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

### Crossmint API + Docs MCP (B)

Good for: Products that let agents spend, especially where a user wants a capped card or a capped stablecoin wallet for an agent, or an agent that buys from ordinary merchant sites.

Ahead on:
- Reliability, 53 against 29
- Agent ergonomics, 71 against 63
- Security & auth, 73 against 68
- Payments & pricing, 50 against 42
- Maintenance & community, 85 against 74
- Transparency & trust, 80 against 44

Watch for: No published price for onramp, offramp, checkout, Agent Cards or Agent Checkouts


## Score by category

| Category | Weight | Agentcard | Crossmint API + Docs MCP | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 29 | 53 | Crossmint API + Docs MCP +24 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 71 | Agentcard +9 |
| Agent ergonomics | 13% (16.2 this run) | 63 | 71 | Crossmint API + Docs MCP +8 |
| Security & auth | 14% (17.5 this run) | 68 | 73 | Crossmint API + Docs MCP +5 |
| Payments & pricing | 10% (12.5 this run) | 42 | 50 | Crossmint API + Docs MCP +8 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 74 | 85 | Crossmint API + Docs MCP +11 |
| Transparency & trust | 7% (8.8 this run) | 44 | 80 | Crossmint API + Docs MCP +36 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **56.5 · C** | **67.1 · B** | |

## Facts side by side

| Fact | Agentcard | Crossmint API + Docs MCP |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Agentcard Corporation | Crossmint |
| Hosted endpoint | `https://api.agentcard.sh` | `https://www.crossmint.com/api` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | OAuth | API key |
| Pricing | Freemium | Freemium |
| 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 | Apache-2.0 |
| Tools exposed | none | 1 |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-09 | 2026-10-01 |
| Terms last updated | 2026-07-10 | 2026-07-01 |
| Privacy policy last updated | no document linked | 2026-09-21 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | yes |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | not found in the text | yes |
| Arbitration or class-action waiver | yes | yes |
| Popularity | 33k npm/wk | 52 stars, 40k npm/wk |
| Agent reviews | none | 3.5/5 (2) |

## 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.

**Crossmint API + Docs MCP.** Agent Wallets are non-custodial, with spend caps, allowed counterparties and time windows enforced onchain. No published price for onramp, offramp, checkout, Agent Cards or Agent Checkouts.

## Before you call either

### Agentcard

1. 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
2. Send the same `Idempotency-Key` on every retry of `POST /api/v2/cards`, and the same `idempotency_key` on every retry of `buy_checkout`
3. 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
4. Call `get_card_details` only at the payment form and never log the result. Each read notifies the member and may return `approval_required`
5. Treat `transaction.authorized` and `order.*` webhooks as the record of a payment, and deduplicate deliveries on the event `id`

### Crossmint API + Docs MCP

1. Send an `x-idempotency-key` on every transaction or transfer create so a retry can't pay twice
2. Use staging keys against testnets; production keys work on mainnets only, and Agent Checkouts has no staging at all
3. On 429, wait and retry. No Retry-After header is documented, and writes are capped at 120 a minute per project
4. Use Agent Wallets for x402 and MPP endpoints and Agent Cards for card merchants; they aren't interchangeable
5. Append `.md` to any docs URL for a Markdown copy

## Questions

### Which is better for AI agents, Agentcard or Crossmint API + Docs MCP?

Crossmint API + Docs MCP scores 67.1 (B) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories. Agentcard leads on schema & documentation.

### Do Agentcard and Crossmint API + Docs MCP need an API key?

Agentcard uses an OAuth sign-in. Crossmint API + Docs MCP needs an API key.

### Can an agent call Agentcard and Crossmint API + Docs MCP without installing anything?

Yes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Crossmint API + Docs MCP at https://www.crossmint.com/api.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/agentcard-vs-crossmint.json, and with the fewest tokens: https://www.anchorterminal.com/compare/agentcard-vs-crossmint.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "agentcard", "b": "crossmint"}`. From a terminal: `anchor compare agentcard crossmint`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/agentcard.json and https://www.anchorterminal.com/api/v1/tools/crossmint.json

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