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

> 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.

- Full: https://www.anchorterminal.com/compare/agentcard-vs-privy.md (~2,500 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/agentcard-vs-privy.json · canonical https://www.anchorterminal.com/compare/agentcard-vs-privy
- Index: https://www.anchorterminal.com/llms.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: C 56.5, rank #632 of 950 · https://www.anchorterminal.com/tools/agentcard.min.md
- Privy Wallets (server wallets, agent wallets, policy engine): B 69.9, rank #166 of 950 · https://www.anchorterminal.com/tools/privy.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.
- Privy Wallets (server wallets, agent wallets, policy engine), 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.

| Category | Agentcard | Privy Wallets (server wallets, agent wallets, policy engine) |
| --- | --- | --- |
| Reliability (16%) | 29 | 48 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 80 | 83 |
| Agent ergonomics (13%) | 63 | 73 |
| Security & auth (14%) | 68 | 85 |
| Payments & pricing (10%) | 42 | 55 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 74 | 80 |
| Transparency & trust (7%) | 44 | 71 |

| Fact (where they differ) | Agentcard | Privy Wallets (server wallets, agent wallets, policy engine) |
| --- | --- | --- |
| Vendor | Agentcard Corporation | Privy (Stripe) |
| Hosted endpoint | `https://api.agentcard.sh` | `https://api.privy.io/v1` |
| 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 | 2026-09-28 |
| Terms last updated | 2026-07-10 | 2025-12-16 |
| 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 |
| Popularity | 33k npm/wk | 296k npm/wk, 13k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |