{
  "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": "2026-10-10T03:53:17.503378685Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 153,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 169,
          "p95ms24h": 473,
          "samples24h": 125,
          "samples30d": 125,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 85,
              "ok": 85
            },
            {
              "date": "2026-10-10",
              "probes": 40,
              "ok": 40
            }
          ]
        },
        "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": "2026-10-10T03:53:17.503378685Z"
      }
    },
    "answer": "Agentcard scores 56.5 (C) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing.",
    "b": {
      "slug": "sponge-wallet",
      "name": "Sponge Wallet",
      "vendor": "Sponge Inc.",
      "vendorUrl": "https://paysponge.com",
      "kind": "http-api",
      "category": "agent-wallets",
      "summary": "Sponge Wallet is a hosted wallet for AI agents. It holds stablecoins on Ethereum, Base, Tempo and Solana, pays x402 and MPP endpoints, issues virtual cards, and is reached by a REST API, an MCP server, SDKs and a CLI.",
      "url": "https://www.anchorterminal.com/tools/sponge-wallet",
      "markdownUrl": "https://www.anchorterminal.com/tools/sponge-wallet.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/sponge-wallet.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json",
      "license": "Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.wallet.paysponge.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@paysponge/sdk"
        },
        {
          "registry": "npm",
          "name": "spongewallet"
        },
        {
          "registry": "pypi",
          "name": "paysponge"
        }
      ],
      "auth": "mixed",
      "authNotes": "Self-serve. An agent calls `POST /api/agents/register` with no credential and, with `agentFirst`, receives an agent API key at once. A person claims the wallet later through a claim URL. Requests carry the key as a bearer token plus a `Sponge-Version` header. Master keys, created in the dashboard, manage agents. The MCP server also accepts OAuth from app connectors.",
      "pricing": "free",
      "pricingNotes": "No fee schedule for the wallet was found. The home page's structured data lists a price of 0, a wallet needs no card or contract to start, and network and venue costs apply. Sponge Card (US) has no annual fee and charges 1 per cent on international transactions (https://paysponge.com/legal/sponge-card-terms-us, checked 2026-10-09). Fees on swaps, bridges, bank transfers and onramps were not found.",
      "priceSummary": "Free",
      "where": "hosted",
      "x402": {
        "level": "partial",
        "evidence": "The wallet pays x402 endpoints through `POST /api/x402/fetch`, `wallet.x402Fetch()` and `spongewallet pay x402`, pays MPP endpoints on Tempo, and creates x402 payment links. Sponge's own wallet API is not paid over either protocol (https://docs.paysponge.com/wallet/x402-payments.md; https://docs.paysponge.com/wallet/mpp-payments.md, checked 2026-10-09).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": 126,
        "pypiWeekly": 20,
        "asOf": "2026-10-09"
      },
      "docsUrl": "https://docs.paysponge.com",
      "llmsTxt": "https://docs.paysponge.com/llms.txt",
      "openapi": "https://docs.paysponge.com/api-reference/public-openapi.json",
      "capabilities": [
        "wallet.onchain",
        "wallet.spend-limits",
        "payments.x402",
        "payments.card",
        "wallet.custody"
      ],
      "tags": [
        "hosted",
        "free",
        "openapi",
        "llms-txt",
        "mcp",
        "typescript",
        "python",
        "cli",
        "wallet",
        "x402",
        "mpp",
        "virtual-cards",
        "stablecoins",
        "closed-source",
        "skills"
      ],
      "lastRelease": "2026-07-07",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 43.2,
        "grade": "E",
        "agentReady": false,
        "rank": 884,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 7,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 43,
          "maintenance": 27,
          "payments": 70,
          "reliability": 13,
          "schema": 66,
          "security": 48,
          "transparency": 39
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-09"
        },
        "negative": 0,
        "verdict": "An agent can register a wallet with one unauthenticated call and pay x402 or MPP endpoints under daily, weekly and monthly limits enforced on Sponge's servers. No status page, rate limits, fee schedule, custody statement or security contact was found, the terms run to eleven short clauses, and the SDK was last published on 7 July 2026.",
        "bestFor": "A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.",
        "strengths": [
          "`POST /api/agents/register` with `agentFirst` returns an agent key at once, and a person claims the wallet later through a claim URL",
          "Daily, weekly and monthly spending limits are set per agent and enforced server-side, with address allowlists that return 403",
          "One wallet pays x402 and MPP endpoints, opens MPP sessions on Tempo and creates x402 payment links",
          "Agent keys cover one agent and can be regenerated. Master keys create agents and, per the docs, never touch wallets",
          "Public OpenAPI 3.0.3 file with 57 operations, llms.txt, Markdown docs and a 73 KB skill file written for agents"
        ],
        "weaknesses": [
          "No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta",
          "Who holds the wallet keys is not stated in the docs or the terms. The skill file calls the wallet managed",
          "The terms of 30 June 2026 are eleven short clauses that do not mention wallets, funds, custody or fees",
          "No security.txt, disclosure policy, certification or bug bounty was found",
          "`@paysponge/sdk` was last published on 7 July 2026 after 115 versions in five months. The source repository is private",
          "The transfers page separates `wallet.transfer()` from enforced helpers that apply allowlists and limits, while another page says limits apply to every transfer"
        ],
        "agentNotes": [
          "Send `Sponge-Version` on every REST request. The skill file marks it required and the API answers with version status headers",
          "Use `evmTransfer` and `solanaTransfer`, the helpers the docs describe as enforcing allowlists and spending limits, not plain `transfer`",
          "Store the `apiKey` from registration at once. It is returned a single time, and losing it means registering again",
          "Call `GET /api/discover/{serviceId}` before `POST /api/paid/fetch`. The skill file says direct service URLs fail with auth errors",
          "Treat `card details` output as secret. It returns an encrypted card number and CVC with a one-time `secret_key`"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "E",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 43.2
          }
        ],
        "editorialScores": {
          "ergonomics": 43,
          "maintenance": 27,
          "payments": 70,
          "reliability": 13,
          "schema": 66,
          "security": 48,
          "transparency": 27
        },
        "provenanceScore": 51
      },
      "connect": {
        "install": "npm install @paysponge/sdk",
        "http": "curl -sS -X POST https://api.wallet.paysponge.com/api/agents/register -H \"Sponge-Version: 0.2.2\" -H \"Content-Type: application/json\" -d '{\"name\":\"YourAgentName\",\"agentFirst\":true}'",
        "claudeCode": "claude mcp add -s user --transport http sponge https://api.wallet.paysponge.com/mcp --header \"Authorization: Bearer \u003cSPONGE_API_KEY\u003e\""
      },
      "letme": {
        "capability": "https://letme.dev/wallet.onchain",
        "tool": "https://letme.dev/sponge-wallet"
      },
      "area": "payments",
      "unitPrices": [
        {
          "item": "Sponge Card international transaction (US terms)",
          "unit": "pct",
          "usd": 1,
          "note": "no annual fee, 0 per cent APR"
        }
      ],
      "provenance": {
        "legalEntity": "Sponge Inc.",
        "domain": "paysponge.com",
        "domainRegistered": "2026-01-09",
        "endpointOnVendorDomain": true,
        "terms": "https://paysponge.com/terms",
        "privacy": "https://paysponge.com/privacy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-09",
        "notes": [
          "The terms of service (updated 30 June 2026) say they govern the Sponge platform and related services. They are eleven short clauses, name no legal entity or address, and choose the laws of the United States.",
          "The site footer names Sponge Inc. No company address or registration was found on the pages read.",
          "The privacy policy (updated 30 June 2026) covers the platform and related services. A separate account opening privacy notice and card terms cover the Sponge Card, whose issuer is Rain.",
          "The API and MCP server answer at api.wallet.paysponge.com and the dashboard at wallet.paysponge.com. The MCP resource metadata names spongewallet.com for documentation.",
          "paysponge.com/.well-known/security.txt returned 404. No status page or changelog was found.",
          "RDAP for paysponge.com gives a registration date of 2026-01-09."
        ],
        "score": 51
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/sponge-wallet.json",
      "live": {
        "slug": "sponge-wallet",
        "probe": {
          "target": "https://api.wallet.paysponge.com",
          "method": "get",
          "lastAt": "2026-10-10T03:53:45.223918551Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 216,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 241,
          "p95ms24h": 572,
          "samples24h": 209,
          "samples30d": 209,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 169,
              "ok": 169
            },
            {
              "date": "2026-10-10",
              "probes": 40,
              "ok": 40
            }
          ]
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@paysponge/sdk",
            "version": "0.1.147",
            "seenAt": "2026-10-09T17:21:26.507188432Z"
          },
          {
            "registry": "npm",
            "name": "spongewallet",
            "version": "0.1.127",
            "seenAt": "2026-10-09T17:21:27.357449876Z"
          },
          {
            "registry": "pypi",
            "name": "paysponge",
            "version": "0.1.5",
            "released": "2026-05-17",
            "seenAt": "2026-10-09T17:21:28.707941804Z"
          }
        ],
        "npmWeekly": 219,
        "pypiWeekly": 15,
        "securityTxt": {
          "url": "https://paysponge.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-09T15:39:31.422053061Z"
        },
        "llmsTxt": {
          "url": "https://docs.paysponge.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-09T14:02:50.623338928Z"
        },
        "pages": [
          {
            "url": "https://paysponge.com/privacy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-09T18:43:06.350420913Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "e0bb0a039144"
          },
          {
            "url": "https://paysponge.com/terms",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-09T18:43:08.565756542Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "ec8eb426955c"
          }
        ],
        "updatedAt": "2026-10-10T03:53:45.223918551Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Agentcard Corporation",
        "b": "Sponge Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://api.agentcard.sh",
        "b": "https://api.wallet.paysponge.com",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP",
        "b": "HTTP",
        "name": "Transports"
      },
      {
        "a": "OAuth",
        "b": "OAuth or key",
        "name": "Auth"
      },
      {
        "a": "Freemium",
        "b": "Free",
        "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": "Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-09",
        "b": "2026-07-07",
        "name": "Last release"
      },
      {
        "a": "2026-07-10",
        "b": "2026-06-30",
        "name": "Terms last updated"
      },
      {
        "a": "no document linked",
        "b": "2026-06-30",
        "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": "not found in the text",
        "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": "not found in the text",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "33k npm/wk",
        "b": "126 npm/wk, 20 PyPI/wk",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "Agentcard scores 56.5 (C) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing.",
        "question": "Which is better for AI agents, Agentcard or Sponge Wallet?"
      },
      {
        "answer": "Agentcard uses an OAuth sign-in. Sponge Wallet takes an API key or an OAuth sign-in.",
        "question": "Do Agentcard and Sponge Wallet need an API key?"
      },
      {
        "answer": "Yes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Sponge Wallet at https://api.wallet.paysponge.com.",
        "question": "Can an agent call Agentcard and Sponge Wallet without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 29 against 13",
          "Schema \u0026 documentation, 80 against 66",
          "Agent ergonomics, 63 against 43",
          "Security \u0026 auth, 68 against 48",
          "Maintenance \u0026 community, 74 against 27",
          "Transparency \u0026 trust, 44 against 39"
        ],
        "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": [
          "Payments \u0026 pricing, 70 against 42"
        ],
        "also": null,
        "goodFor": "A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.",
        "slug": "sponge-wallet",
        "watchFor": "No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta"
      }
    ],
    "job": {
      "capability": "payments.card",
      "name": "Card payments"
    },
    "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-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-sponge-wallet.json",
        "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet",
        "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet"
      },
      {
        "json": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet.json",
        "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Sponge Wallet",
        "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet"
      },
      {
        "json": "https://www.anchorterminal.com/compare/openfort-vs-sponge-wallet.json",
        "title": "Openfort vs Sponge Wallet",
        "url": "https://www.anchorterminal.com/compare/openfort-vs-sponge-wallet"
      },
      {
        "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/sponge-wallet-vs-turnkey-agentic-wallets.json",
        "title": "Sponge Wallet vs Turnkey Agentic Wallets",
        "url": "https://www.anchorterminal.com/compare/sponge-wallet-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-privy.json",
        "title": "Agentcard vs Privy Wallets (server wallets, agent wallets, policy engine)",
        "url": "https://www.anchorterminal.com/compare/agentcard-vs-privy"
      },
      {
        "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": 16,
        "edge": "agentcard",
        "key": "reliability",
        "name": "Reliability",
        "sponge-wallet": 13,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "agentcard": 80,
        "by": 14,
        "edge": "agentcard",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "sponge-wallet": 66,
        "weight": 13
      },
      {
        "agentcard": 63,
        "by": 20,
        "edge": "agentcard",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "sponge-wallet": 43,
        "weight": 13
      },
      {
        "agentcard": 68,
        "by": 20,
        "edge": "agentcard",
        "key": "security",
        "name": "Security \u0026 auth",
        "sponge-wallet": 48,
        "weight": 14
      },
      {
        "agentcard": 42,
        "by": 28,
        "edge": "sponge-wallet",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "sponge-wallet": 70,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "agentcard": 74,
        "by": 47,
        "edge": "agentcard",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "sponge-wallet": 27,
        "weight": 7
      },
      {
        "agentcard": 44,
        "by": 5,
        "edge": "agentcard",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "sponge-wallet": 39,
        "weight": 7
      }
    ],
    "summary": "Agentcard scores 56.5 (C) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing. Both do card payments.",
    "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.",
      "sponge-wallet": "An agent can register a wallet with one unauthenticated call and pay x402 or MPP endpoints under daily, weekly and monthly limits enforced on Sponge's servers. No status page, rate limits, fee schedule, custody statement or security contact was found, the terms run to eleven short clauses, and the SDK was last published on 7 July 2026."
    }
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  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet",
    "json": "https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.md",
    "slim": "https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.min.md"
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  "markdown": "Agentcard scores 56.5 (C) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing. Both do card payments.\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- Sponge Wallet: grade E, 43.2/100, rank #884 of 950. Markdown https://www.anchorterminal.com/tools/sponge-wallet.md · JSON https://www.anchorterminal.com/api/v1/tools/sponge-wallet.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\nAhead on:\n- Reliability, 29 against 13\n- Schema \u0026 documentation, 80 against 66\n- Agent ergonomics, 63 against 43\n- Security \u0026 auth, 68 against 48\n- Maintenance \u0026 community, 74 against 27\n- Transparency \u0026 trust, 44 against 39\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### Sponge Wallet (E)\n\nGood for: A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.\n\nAhead on:\n- Payments \u0026 pricing, 70 against 42\n\nWatch for: No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta\n\n\n## Score by category\n\n| Category | Weight | Agentcard | Sponge Wallet | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 29 | 13 | Agentcard +16 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 66 | Agentcard +14 |\n| Agent ergonomics | 13% (16.2 this run) | 63 | 43 | Agentcard +20 |\n| Security \u0026 auth | 14% (17.5 this run) | 68 | 48 | Agentcard +20 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 42 | 70 | Sponge Wallet +28 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 74 | 27 | Agentcard +47 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 44 | 39 | Agentcard +5 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **56.5 · C** | **43.2 · E** | |\n\n## Facts side by side\n\n| Fact | Agentcard | Sponge Wallet |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Agentcard Corporation | Sponge Inc. |\n| Hosted endpoint | `https://api.agentcard.sh` | `https://api.wallet.paysponge.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | OAuth or key |\n| Pricing | Freemium | Free |\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 | Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-09 | 2026-07-07 |\n| Terms last updated | 2026-07-10 | 2026-06-30 |\n| Privacy policy last updated | no document linked | 2026-06-30 |\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 | not found in the text |\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 | not found in the text |\n| Popularity | 33k npm/wk | 126 npm/wk, 20 PyPI/wk |\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**Sponge Wallet.** An agent can register a wallet with one unauthenticated call and pay x402 or MPP endpoints under daily, weekly and monthly limits enforced on Sponge's servers. No status page, rate limits, fee schedule, custody statement or security contact was found, the terms run to eleven short clauses, and the SDK was last published on 7 July 2026.\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### Sponge Wallet\n\n1. Send `Sponge-Version` on every REST request. The skill file marks it required and the API answers with version status headers\n2. Use `evmTransfer` and `solanaTransfer`, the helpers the docs describe as enforcing allowlists and spending limits, not plain `transfer`\n3. Store the `apiKey` from registration at once. It is returned a single time, and losing it means registering again\n4. Call `GET /api/discover/{serviceId}` before `POST /api/paid/fetch`. The skill file says direct service URLs fail with auth errors\n5. Treat `card details` output as secret. It returns an encrypted card number and CVC with a one-time `secret_key`\n\n## Questions\n\n### Which is better for AI agents, Agentcard or Sponge Wallet?\n\nAgentcard scores 56.5 (C) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing.\n\n### Do Agentcard and Sponge Wallet need an API key?\n\nAgentcard uses an OAuth sign-in. Sponge Wallet takes an API key or an OAuth sign-in.\n\n### Can an agent call Agentcard and Sponge Wallet without installing anything?\n\nYes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Sponge Wallet at https://api.wallet.paysponge.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.json, and with the fewest tokens: https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"agentcard\", \"b\": \"sponge-wallet\"}`. From a terminal: `anchor compare agentcard sponge-wallet`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/agentcard.json and https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json\n\n## Other comparisons with Agentcard or Sponge Wallet\n\n- [Agentcard vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/agentcard-vs-crossmint.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 Sponge Wallet](https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.md)\n- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Sponge Wallet](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet.md)\n- [Openfort vs Sponge Wallet](https://www.anchorterminal.com/compare/openfort-vs-sponge-wallet.md)\n- [Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet](https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md)\n- [Sponge Wallet vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/sponge-wallet-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 Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/agentcard-vs-privy.md)\n- [Agentcard vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.md)\n",
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    "run": "2026-10-01",
    "runLabel": "October 2026 research run"
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      {
        "name": "Agentcard vs Sponge Wallet",
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    "description": "Agentcard scores 56.5 (C) to Sponge Wallet's 43.2 (E) for card payments. Prices, MCP, x402, uptime and agent notes side by side.",
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    "image": "https://www.anchorterminal.com/assets/og/compare-agentcard-vs-sponge-wallet.png",
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    "published": "2026-10-01",
    "section": "tools",
    "title": "Agentcard vs Sponge Wallet for AI agents in 2026: scores and prices",
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    "updated": "2026-10-09",
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