{
  "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": "2026-10-10T02:06:58.768255278Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 249,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 199,
          "p95ms24h": 505,
          "samples24h": 107,
          "samples30d": 107,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 85,
              "ok": 85
            },
            {
              "date": "2026-10-10",
              "probes": 22,
              "ok": 22
            }
          ]
        },
        "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": "2026-10-10T02:06:58.768255278Z"
      }
    },
    "answer": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Agentcard's 56.5 (C), and leads in every scored category.",
    "b": {
      "slug": "privy",
      "name": "Privy Wallets (server wallets, agent wallets, policy engine)",
      "vendor": "Privy (Stripe)",
      "vendorUrl": "https://www.privy.io",
      "kind": "http-api",
      "category": "agent-wallets",
      "summary": "Wallet infrastructure owned by Stripe since June 2025.",
      "url": "https://www.anchorterminal.com/tools/privy",
      "markdownUrl": "https://www.anchorterminal.com/tools/privy.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/privy.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/privy.json",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.privy.io/v1",
      "packages": [
        {
          "registry": "npm",
          "name": "@privy-io/node"
        },
        {
          "registry": "npm",
          "name": "@privy-io/agent-wallet-cli"
        },
        {
          "registry": "pypi",
          "name": "privy-client"
        }
      ],
      "auth": "mixed",
      "authNotes": "REST API uses Basic auth with app ID and app secret plus a privy-app-id header. Wallets owned by an authorisation key (or a key quorum) also need a signature from that key on each request. The Agent CLI uses a device authorisation flow approved in a browser, then short-lived signing keys; sessions last up to 30 days.",
      "pricing": "freemium",
      "pricingNotes": "Developer plan free up to 499 monthly active users, with 50,000 signatures and $1M transaction volume a month included. Core $299 a month (500 to 2,499 MAU) and Scale $499 a month (2,500 to 9,999 MAU). Past 10,000 MAU or 50,000 signatures, a $2,000 base plus $0.05 per MAU and $0.01 per signature. Enterprise is custom, from $0.001 per signature, with premium SLAs (https://www.privy.io/pricing).",
      "priceSummary": "$299 / mo",
      "where": "hosted",
      "x402": {
        "level": "partial",
        "evidence": "Privy ships x402 and MPP payer clients (createX402Client in Node, useX402Fetch in React) that sign 402 payment authorisations with a Privy wallet and retry, with a per-request maxValue cap; x402 works with gas-sponsored wallets. Privy's own API isn't paid via x402 (https://docs.privy.io/wallets/overview/solutions/agent-wallets; https://docs.privy.io/changelogs/product-updates).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": 296371,
        "pypiWeekly": 12798,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.privy.io/wallets/overview/solutions/agent-wallets",
      "llmsTxt": "https://docs.privy.io/llms.txt",
      "openapi": "https://api.privy.io/v1/openapi.json",
      "capabilities": [
        "wallet.onchain",
        "wallet.custody",
        "wallet.spend-limits",
        "payments.x402"
      ],
      "tags": [
        "hosted",
        "freemium",
        "free-tier",
        "llms-txt",
        "openapi",
        "typescript",
        "python",
        "wallet",
        "stablecoin",
        "x402",
        "closed-source",
        "webhooks"
      ],
      "lastRelease": "2026-09-28",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 69.9,
        "grade": "B",
        "agentReady": false,
        "rank": 166,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 5,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 73,
          "maintenance": 80,
          "payments": 55,
          "reliability": 48,
          "schema": 83,
          "security": 85,
          "transparency": 71
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "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.",
        "bestFor": "Builders who need fine-grained, enclave-enforced spending rules on programmatic wallets, or who want an agent to sign for a person's wallet with a revocable scoped signer.",
        "strengths": [
          "Default-deny policies with DENY precedence on recipients, values, contracts, calldata, typed data and time windows, enforced in AWS Nitro Enclaves",
          "Agent-owned wallets or revocable scoped signers on a person's wallet, plus key quorums for m-of-n approval",
          "Idempotency keys on every state-changing wallet route, honoured for 24 hours",
          "SOC 2 Type I and II, audits by Cure53, Zellic and Doyensec, and a HackerOne bug bounty",
          "x402 and MPP payer clients with a per-request `maxValue` cap"
        ],
        "weaknesses": [
          "Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July",
          "Rate limits aren't published as numbers",
          "Rolling caps are EVM only and update after signing, so parallel requests can exceed them",
          "The app secret can do anything in the app; the limits come from authorisation keys and policies",
          "No MCP server, and the Agent CLI needs a person to approve its login in a browser"
        ],
        "agentNotes": [
          "Add a rule for every RPC method the agent needs; a wallet with a policy denies anything unlisted",
          "Pair a rolling cap with a lower per-transaction cap, since aggregations update only after signing",
          "Send an idempotency key on `/rpc`, `/transfer` and `/wallets` calls; reusing one with a changed body returns 400",
          "Set `maxValue` on the x402 or MPP client for every request",
          "Retry a `transaction_broadcast_failure`; don't retry a `policy_violation`"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 3.5,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "B",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 69.9
          }
        ],
        "editorialScores": {
          "ergonomics": 73,
          "maintenance": 80,
          "payments": 55,
          "reliability": 48,
          "schema": 83,
          "security": 85,
          "transparency": 60
        },
        "provenanceScore": 82
      },
      "connect": {
        "install": "npm install -g @privy-io/agent-wallet-cli",
        "http": "curl https://api.privy.io/v1/wallets --user \"$PRIVY_APP_ID:$PRIVY_APP_SECRET\" -H \"privy-app-id: $PRIVY_APP_ID\""
      },
      "letme": {
        "capability": "https://letme.dev/wallet.onchain",
        "tool": "https://letme.dev/privy"
      },
      "area": "payments",
      "unitPrices": [
        {
          "item": "Core plan",
          "unit": "month",
          "usd": 299,
          "note": "500 to 2,499 MAU"
        },
        {
          "item": "Scale plan",
          "unit": "month",
          "usd": 499,
          "note": "2,500 to 9,999 MAU"
        },
        {
          "item": "Signature overage",
          "unit": "call",
          "usd": 0.01,
          "note": "per signature above 50,000 a month"
        }
      ],
      "provenance": {
        "legalEntity": "Horkos, LLC",
        "domain": "privy.io",
        "domainRegistered": "2018-10-07",
        "domainNote": "Privy trades as Horkos, LLC d/b/a Privy, a Stripe subsidiary since June 2025.",
        "endpointOnVendorDomain": true,
        "terms": "https://www.privy.io/developer-terms-of-service",
        "privacy": "https://www.privy.io/privacy-policy",
        "statusPage": "https://status.privy.io",
        "changelog": "https://docs.privy.io/changelogs/product-updates",
        "securityTxt": "none",
        "checked": "2026-09-30",
        "score": 82
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/privy.json",
      "live": {
        "slug": "privy",
        "probe": {
          "target": "https://api.privy.io/v1",
          "method": "get",
          "lastAt": "2026-10-10T02:07:21.381352186Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 48,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 39,
          "p95ms24h": 106,
          "samples24h": 250,
          "samples30d": 2458,
          "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": 22,
              "ok": 22
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.privy.io",
          "indicator": "unknown",
          "summary": "no machine-readable status found",
          "checkedAt": "2026-10-10T00:51:10.757035383Z"
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@privy-io/agent-wallet-cli",
            "version": "0.3.7",
            "seenAt": "2026-10-09T17:14:57.73175546Z"
          },
          {
            "registry": "npm",
            "name": "@privy-io/node",
            "version": "0.35.0",
            "seenAt": "2026-10-09T17:14:56.79252986Z"
          },
          {
            "registry": "pypi",
            "name": "privy-client",
            "version": "0.7.0",
            "released": "2026-09-08",
            "seenAt": "2026-10-09T17:14:59.127916328Z"
          }
        ],
        "npmWeekly": 195942,
        "pypiWeekly": 13323,
        "securityTxt": {
          "url": "https://privy.io/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-09T15:40:29.716273987Z"
        },
        "llmsTxt": {
          "url": "https://docs.privy.io/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-09T14:02:38.087639963Z"
        },
        "domain": {
          "domain": "privy.io",
          "checkedAt": "2026-10-04T13:06:04.948039908Z"
        },
        "pages": [
          {
            "url": "https://docs.privy.io/changelogs/product-updates",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-09T18:38:05.315515464Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "b7efc61130a2"
          },
          {
            "url": "https://www.privy.io/pricing",
            "kind": "pricing",
            "status": 200,
            "checkedAt": "2026-10-09T18:53:18.858652672Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "3fafdab3dba6"
          },
          {
            "url": "https://www.privy.io/privacy-policy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-09T18:53:20.866265868Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "3dc0c2d903e9"
          },
          {
            "url": "https://www.privy.io/developer-terms-of-service",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-09T18:53:16.732244585Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "b057defa15d5"
          }
        ],
        "updatedAt": "2026-10-10T02:07:21.381352186Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Agentcard Corporation",
        "b": "Privy (Stripe)",
        "name": "Vendor"
      },
      {
        "a": "https://api.agentcard.sh",
        "b": "https://api.privy.io/v1",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP",
        "b": "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": "2026-09-28",
        "name": "Last release"
      },
      {
        "a": "2026-07-10",
        "b": "2025-12-16",
        "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": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "33k npm/wk",
        "b": "296k npm/wk, 13k PyPI/wk",
        "name": "Popularity"
      },
      {
        "a": "none",
        "b": "3.5/5 (2)",
        "name": "Agent reviews"
      }
    ],
    "faq": [
      {
        "answer": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Agentcard's 56.5 (C), and leads in every scored category.",
        "question": "Which is better for AI agents, Agentcard or Privy Wallets (server wallets, agent wallets, policy engine)?"
      },
      {
        "answer": "Agentcard uses an OAuth sign-in. Privy Wallets (server wallets, agent wallets, policy engine) takes an API key or an OAuth sign-in.",
        "question": "Do Agentcard and Privy Wallets (server wallets, agent wallets, policy engine) need an API key?"
      },
      {
        "answer": "Yes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Privy Wallets (server wallets, agent wallets, policy engine) at https://api.privy.io/v1.",
        "question": "Can an agent call Agentcard and Privy Wallets (server wallets, agent wallets, policy engine) 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, 48 against 29",
          "Agent ergonomics, 73 against 63",
          "Security \u0026 auth, 85 against 68",
          "Payments \u0026 pricing, 55 against 42",
          "Maintenance \u0026 community, 80 against 74",
          "Transparency \u0026 trust, 71 against 44"
        ],
        "also": null,
        "goodFor": "Builders who need fine-grained, enclave-enforced spending rules on programmatic wallets, or who want an agent to sign for a person's wallet with a revocable scoped signer.",
        "slug": "privy",
        "watchFor": "Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July"
      }
    ],
    "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-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/coinbase-cdp-agentkit-vs-privy.json",
        "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Privy Wallets (server wallets, agent wallets, policy engine)",
        "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-privy"
      },
      {
        "json": "https://www.anchorterminal.com/compare/openfort-vs-privy.json",
        "title": "Openfort vs Privy Wallets (server wallets, agent wallets, policy engine)",
        "url": "https://www.anchorterminal.com/compare/openfort-vs-privy"
      },
      {
        "json": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.json",
        "title": "Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet",
        "url": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet"
      },
      {
        "json": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.json",
        "title": "Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets",
        "url": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets"
      },
      {
        "json": "https://www.anchorterminal.com/compare/agentcard-vs-circle-wallets.json",
        "title": "Agentcard vs Circle Wallets (Agent Wallets, Programmable Wallets)",
        "url": "https://www.anchorterminal.com/compare/agentcard-vs-circle-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-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": 19,
        "edge": "privy",
        "key": "reliability",
        "name": "Reliability",
        "privy": 48,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "agentcard": 80,
        "by": 3,
        "edge": "privy",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "privy": 83,
        "weight": 13
      },
      {
        "agentcard": 63,
        "by": 10,
        "edge": "privy",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "privy": 73,
        "weight": 13
      },
      {
        "agentcard": 68,
        "by": 17,
        "edge": "privy",
        "key": "security",
        "name": "Security \u0026 auth",
        "privy": 85,
        "weight": 14
      },
      {
        "agentcard": 42,
        "by": 13,
        "edge": "privy",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "privy": 55,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "agentcard": 74,
        "by": 6,
        "edge": "privy",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "privy": 80,
        "weight": 7
      },
      {
        "agentcard": 44,
        "by": 27,
        "edge": "privy",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "privy": 71,
        "weight": 7
      }
    ],
    "summary": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Agentcard's 56.5 (C), and leads in every scored category. 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.",
      "privy": "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."
    }
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  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/agentcard-vs-privy",
    "json": "https://www.anchorterminal.com/compare/agentcard-vs-privy.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/agentcard-vs-privy.md",
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  "markdown": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Agentcard's 56.5 (C), and leads in every scored category. 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- Privy Wallets (server wallets, agent wallets, policy engine): grade B, 69.9/100, rank #166 of 950. Markdown https://www.anchorterminal.com/tools/privy.md · JSON https://www.anchorterminal.com/api/v1/tools/privy.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### Privy Wallets (server wallets, agent wallets, policy engine) (B)\n\nGood for: Builders who need fine-grained, enclave-enforced spending rules on programmatic wallets, or who want an agent to sign for a person's wallet with a revocable scoped signer.\n\nAhead on:\n- Reliability, 48 against 29\n- Agent ergonomics, 73 against 63\n- Security \u0026 auth, 85 against 68\n- Payments \u0026 pricing, 55 against 42\n- Maintenance \u0026 community, 80 against 74\n- Transparency \u0026 trust, 71 against 44\n\nWatch for: Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July\n\n\n## Score by category\n\n| Category | Weight | Agentcard | Privy Wallets (server wallets, agent wallets, policy engine) | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 29 | 48 | Privy Wallets (server wallets, agent wallets, policy engine) +19 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 83 | Privy Wallets (server wallets, agent wallets, policy engine) +3 |\n| Agent ergonomics | 13% (16.2 this run) | 63 | 73 | Privy Wallets (server wallets, agent wallets, policy engine) +10 |\n| Security \u0026 auth | 14% (17.5 this run) | 68 | 85 | Privy Wallets (server wallets, agent wallets, policy engine) +17 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 42 | 55 | Privy Wallets (server wallets, agent wallets, policy engine) +13 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 74 | 80 | Privy Wallets (server wallets, agent wallets, policy engine) +6 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 44 | 71 | Privy Wallets (server wallets, agent wallets, policy engine) +27 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **56.5 · C** | **69.9 · B** | |\n\n## Facts side by side\n\n| Fact | Agentcard | Privy Wallets (server wallets, agent wallets, policy engine) |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Agentcard Corporation | Privy (Stripe) |\n| Hosted endpoint | `https://api.agentcard.sh` | `https://api.privy.io/v1` |\n| Transports | HTTP | 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 | 2026-09-28 |\n| Terms last updated | 2026-07-10 | 2025-12-16 |\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 | not found in the text |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | 33k npm/wk | 296k npm/wk, 13k PyPI/wk |\n| Agent reviews | none | 3.5/5 (2) |\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**Privy Wallets (server wallets, agent wallets, policy engine).** 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.\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### Privy Wallets (server wallets, agent wallets, policy engine)\n\n1. Add a rule for every RPC method the agent needs; a wallet with a policy denies anything unlisted\n2. Pair a rolling cap with a lower per-transaction cap, since aggregations update only after signing\n3. Send an idempotency key on `/rpc`, `/transfer` and `/wallets` calls; reusing one with a changed body returns 400\n4. Set `maxValue` on the x402 or MPP client for every request\n5. Retry a `transaction_broadcast_failure`; don't retry a `policy_violation`\n\n## Questions\n\n### Which is better for AI agents, Agentcard or Privy Wallets (server wallets, agent wallets, policy engine)?\n\nPrivy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Agentcard's 56.5 (C), and leads in every scored category.\n\n### Do Agentcard and Privy Wallets (server wallets, agent wallets, policy engine) need an API key?\n\nAgentcard uses an OAuth sign-in. Privy Wallets (server wallets, agent wallets, policy engine) takes an API key or an OAuth sign-in.\n\n### Can an agent call Agentcard and Privy Wallets (server wallets, agent wallets, policy engine) without installing anything?\n\nYes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Privy Wallets (server wallets, agent wallets, policy engine) at https://api.privy.io/v1.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/agentcard-vs-privy.json, and with the fewest tokens: https://www.anchorterminal.com/compare/agentcard-vs-privy.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"agentcard\", \"b\": \"privy\"}`. From a terminal: `anchor compare agentcard privy`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/agentcard.json and https://www.anchorterminal.com/api/v1/tools/privy.json\n\n## Other comparisons with Agentcard or Privy Wallets (server wallets, agent wallets, policy engine)\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 Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/circle-wallets-vs-privy.md)\n- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-privy.md)\n- [Openfort vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/openfort-vs-privy.md)\n- [Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet](https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md)\n- [Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.md)\n- [Agentcard vs Circle Wallets (Agent Wallets, Programmable Wallets)](https://www.anchorterminal.com/compare/agentcard-vs-circle-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 Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.md)\n",
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    "description": "Privy Wallets scores 69.9 (B) to Agentcard's 56.5 (C) for wallet spend limits. Prices, MCP, x402, uptime and agent notes side by side.",
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