# Agentcard vs Privy Wallets (server wallets, agent wallets, policy engine)

> 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.

- Canonical: https://www.anchorterminal.com/compare/agentcard-vs-privy
- Markdown: https://www.anchorterminal.com/compare/agentcard-vs-privy.md (~2,500 tokens)
- Slim: https://www.anchorterminal.com/compare/agentcard-vs-privy.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/agentcard-vs-privy.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

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.

- 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
- 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
- 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

## 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.

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

### Privy Wallets (server wallets, agent wallets, policy engine) (B)

Good 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.

Ahead on:
- Reliability, 48 against 29
- Agent ergonomics, 73 against 63
- Security & auth, 85 against 68
- Payments & pricing, 55 against 42
- Maintenance & community, 80 against 74
- Transparency & trust, 71 against 44

Watch for: Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July


## Score by category

| Category | Weight | Agentcard | Privy Wallets (server wallets, agent wallets, policy engine) | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 29 | 48 | Privy Wallets (server wallets, agent wallets, policy engine) +19 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 83 | Privy Wallets (server wallets, agent wallets, policy engine) +3 |
| Agent ergonomics | 13% (16.2 this run) | 63 | 73 | Privy Wallets (server wallets, agent wallets, policy engine) +10 |
| Security & auth | 14% (17.5 this run) | 68 | 85 | Privy Wallets (server wallets, agent wallets, policy engine) +17 |
| Payments & pricing | 10% (12.5 this run) | 42 | 55 | Privy Wallets (server wallets, agent wallets, policy engine) +13 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 74 | 80 | Privy Wallets (server wallets, agent wallets, policy engine) +6 |
| Transparency & trust | 7% (8.8 this run) | 44 | 71 | Privy Wallets (server wallets, agent wallets, policy engine) +27 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **56.5 · C** | **69.9 · B** | |

## Facts side by side

| Fact | Agentcard | Privy Wallets (server wallets, agent wallets, policy engine) |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Agentcard Corporation | Privy (Stripe) |
| Hosted endpoint | `https://api.agentcard.sh` | `https://api.privy.io/v1` |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth or 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 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-09 | 2026-09-28 |
| Terms last updated | 2026-07-10 | 2025-12-16 |
| Privacy policy last updated | no document linked | no date given |
| Customer content may train models | not found in the text | not found in the text |
| 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 | not found in the text |
| Arbitration or class-action waiver | yes | yes |
| Popularity | 33k npm/wk | 296k npm/wk, 13k PyPI/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.

**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.

## 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`

### Privy Wallets (server wallets, agent wallets, policy engine)

1. Add a rule for every RPC method the agent needs; a wallet with a policy denies anything unlisted
2. Pair a rolling cap with a lower per-transaction cap, since aggregations update only after signing
3. Send an idempotency key on `/rpc`, `/transfer` and `/wallets` calls; reusing one with a changed body returns 400
4. Set `maxValue` on the x402 or MPP client for every request
5. Retry a `transaction_broadcast_failure`; don't retry a `policy_violation`

## Questions

### Which is better for AI agents, Agentcard or Privy Wallets (server wallets, agent wallets, policy engine)?

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.

### Do Agentcard and Privy Wallets (server wallets, agent wallets, policy engine) need an API key?

Agentcard uses an OAuth sign-in. Privy Wallets (server wallets, agent wallets, policy engine) takes an API key or an OAuth sign-in.

### Can an agent call Agentcard and Privy Wallets (server wallets, agent wallets, policy engine) without installing anything?

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.


## For agents

- 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
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "agentcard", "b": "privy"}`. From a terminal: `anchor compare agentcard privy`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/agentcard.json and https://www.anchorterminal.com/api/v1/tools/privy.json

## Other comparisons with Agentcard or Privy Wallets (server wallets, agent wallets, policy engine)

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- [Agentcard vs Sponge Wallet](https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.md)
- [Agentcard vs Stripe API + MCP](https://www.anchorterminal.com/compare/agentcard-vs-stripe-mcp.md)
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- [Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet](https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md)
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- [Agentcard vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)](https://www.anchorterminal.com/compare/agentcard-vs-coinbase-cdp-agentkit.md)
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