# Agentcard vs Sponge Wallet (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.md (~2,350 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet.json · canonical https://www.anchorterminal.com/compare/agentcard-vs-sponge-wallet
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

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 & pricing. Both do card payments.

- Agentcard: C 56.5, rank #632 of 950 · https://www.anchorterminal.com/tools/agentcard.min.md
- Sponge Wallet: E 43.2, rank #884 of 950 · https://www.anchorterminal.com/tools/sponge-wallet.min.md
- Agentcard, good for A company building a shopping or purchasing agent that needs users to pay with their own cards under passkey approval, or needs capped virtual Visa cards per task. Ahead on Reliability, 29 against 13; Schema & documentation, 80 against 66; Agent ergonomics, 63 against 43; Security & auth, 68 against 48; Maintenance & community, 74 against 27; Transparency & trust, 44 against 39.
- Sponge Wallet, good 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. Ahead on Payments & pricing, 70 against 42.

| Category | Agentcard | Sponge Wallet |
| --- | --- | --- |
| Reliability (16%) | 29 | 13 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 80 | 66 |
| Agent ergonomics (13%) | 63 | 43 |
| Security & auth (14%) | 68 | 48 |
| Payments & pricing (10%) | 42 | 70 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 74 | 27 |
| Transparency & trust (7%) | 44 | 39 |

| Fact (where they differ) | Agentcard | Sponge Wallet |
| --- | --- | --- |
| Vendor | Agentcard Corporation | Sponge Inc. |
| Hosted endpoint | `https://api.agentcard.sh` | `https://api.wallet.paysponge.com` |
| Auth | OAuth | OAuth or key |
| Pricing | Freemium | Free |
| 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 | Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private |
| Last release | 2026-10-09 | 2026-07-07 |
| Terms last updated | 2026-07-10 | 2026-06-30 |
| Privacy policy last updated | no document linked | 2026-06-30 |
| Terms restrict automated access | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 33k npm/wk | 126 npm/wk, 20 PyPI/wk |