# Agentcard vs FluxA AI Wallet (slim)

> Agentcard scores 52.5 (D) to FluxA AI Wallet's 47 (D) for card payments. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/agentcard-vs-fluxa-ai-wallet.md (~6,150 tokens) · this version ~1,180 tokens · JSON https://www.anchorterminal.com/compare/agentcard-vs-fluxa-ai-wallet.json · canonical https://www.anchorterminal.com/compare/agentcard-vs-fluxa-ai-wallet
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-11-07
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)

Agentcard scores 52.5 (D) on agent readiness against FluxA AI Wallet's 47 (D), and leads in 6 of 7 scored categories. Both do card payments.

- Agentcard: D 52.5, rank #989 of 1513 · https://www.anchorterminal.com/tools/agentcard.min.md
- FluxA AI Wallet: D 47, rank #1164 of 1513 · https://www.anchorterminal.com/tools/fluxa-ai-wallet.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. Ahead on Reliability, 26 against 20; Schema & documentation, 80 against 61; Security & auth, 71 against 52; Maintenance & community, 74 against 66; Transparency & trust, 68 against 32.
- FluxA AI Wallet, good for An agent in a CLI-capable client that needs to pay x402 APIs, send USDC on Base or receive payments through links, inside budgets a person signs. Also Runs on your own machine; Open source; No incidents deducted, where Agentcard loses 6 points for them.

| Category | Agentcard | FluxA AI Wallet |
| --- | --- | --- |
| Reliability (16%) | 26 | 20 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 80 | 61 |
| Agent ergonomics (13%) | 63 | 60 |
| Security & auth (14%) | 71 | 52 |
| Payments & pricing (10%) | 42 | 45 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 74 | 66 |
| Transparency & trust (7%) | 68 | 32 |

| Fact (where they differ) | Agentcard | FluxA AI Wallet |
| --- | --- | --- |
| Vendor | Agentcard Corporation | FluxA Technology Pte. Ltd. |
| Hosted endpoint | `https://api.agentcard.sh` | `https://walletapi.fluxapay.xyz` |
| Transports | HTTP | HTTP, stdio |
| Auth | OAuth | OAuth or key |
| Pricing | Freemium | Pay per use |
| 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 | The CLI and MCP server source is Apache-2.0 (LICENSE file and both package.json files), though the README's last section says MIT. The hosted wallet service is closed, and no terms covering the wallet were found |
| Tools exposed | none | 15 |
| llms.txt | yes | no |
| Last release | 2026-10-09 | 2026-11-06 |
| Terms last updated | 2026-07-10 | no document linked |
| Privacy policy last updated | 2026-10-21 | no document linked |
| Customer content may train models | not found in the text | not read yet |
| Terms restrict automated access | yes | not read yet |
| Terms restrict benchmarking | not found in the text | not read yet |
| Terms or service can change without notice | not found in the text | not read yet |
| Arbitration or class-action waiver | yes | not read yet |
| Popularity | 33k npm/wk | none |

Why the edge:
- Transparency & trust, Agentcard +36: Agentcard 68 (A closed service.); FluxA AI Wallet 32 (The CLI and MCP server source is Apache-2.0 per the LICENSE file and both package.json files, while the README's last section says MIT.)
- Schema & documentation, Agentcard +19: Agentcard 80 (A public OpenAPI 3.1.0 file at docs.agentcard.sh/openapi.json, version 2.0.0, with 20 paths and 21 operations for tokens, connections, identity checks, `/buy` a…); FluxA AI Wallet 61 (No OpenAPI file or reference for the wallet API was found; the README shows sample requests for five endpoints.)
- Security & auth, Agentcard +19: Agentcard 71 (OAuth 2.0 client credentials.); FluxA AI Wallet 52 (The agent holds an Agent ID, a token whose validity the owner picks from 1 hour to 1 year at browser approval, and a short-lived RS256 JWT refreshed from the to…)
- Maintenance & community, Agentcard +8: Agentcard 74 (The newest changelog entry is dated 27 October 2026, and `@agent-cards/checkout` 0.23.6 was published on 9 October 2026 per the 9 October check (30).); FluxA AI Wallet 66 (`@fluxa-pay/fluxa-wallet` 0.6.0 was published on 6 November 2026, one day before this check (30).)
- Reliability, Agentcard +6: Agentcard 26 (Graded as a hosted service on the REST API at api.agentcard.sh and the MCP server at mcp.agentcard.sh.); FluxA AI Wallet 20 (Graded with the hosted lines, because signing, mandates and approvals all run on FluxA's wallet API and the CLI and MCP server only wrap it, as kite-agent-passp…)