# Agentcard vs Turnkey Agentic Wallets

> Turnkey Agentic Wallets scores 76 (BB) 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-turnkey-agentic-wallets
- Markdown: https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.md (~2,400 tokens)
- Slim: https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.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

Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories. 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
- Turnkey Agentic Wallets: grade BB, 76/100, rank #39 of 950. Markdown https://www.anchorterminal.com/tools/turnkey-agentic-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.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

### Turnkey Agentic Wallets (BB)

Good for: A company that wants agents to sign from its own wallets under rules checked in an enclave, with a person co-approving large transactions, across EVM, Solana, Bitcoin, Tron and other chains.

Ahead on:
- Reliability, 75 against 29
- Agent ergonomics, 77 against 63
- Security & auth, 85 against 68
- Payments & pricing, 58 against 42
- Maintenance & community, 83 against 74
- Transparency & trust, 72 against 44

Also in its favour:
- Agent-ready, a grade of BB or better

Watch for: Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language


## Score by category

| Category | Weight | Agentcard | Turnkey Agentic Wallets | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 29 | 75 | Turnkey Agentic Wallets +46 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 79 | Agentcard +1 |
| Agent ergonomics | 13% (16.2 this run) | 63 | 77 | Turnkey Agentic Wallets +14 |
| Security & auth | 14% (17.5 this run) | 68 | 85 | Turnkey Agentic Wallets +17 |
| Payments & pricing | 10% (12.5 this run) | 42 | 58 | Turnkey Agentic Wallets +16 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 74 | 83 | Turnkey Agentic Wallets +9 |
| Transparency & trust | 7% (8.8 this run) | 44 | 72 | Turnkey Agentic Wallets +28 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **56.5 · C** | **76 · BB** | |

## Facts side by side

| Fact | Agentcard | Turnkey Agentic Wallets |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Agentcard Corporation | Turnkey Global, Inc. |
| Hosted endpoint | `https://api.agentcard.sh` | `https://api.turnkey.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth | API 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 | Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0 |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-09 | 2026-10-08 |
| Terms last updated | 2026-07-10 | 2026-08-06 |
| Privacy policy last updated | no document linked | 2026-06-29 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | yes |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | not found in the text | yes |
| Arbitration or class-action waiver | yes | yes |
| Popularity | 33k npm/wk | 304k npm/wk, 12k PyPI/wk |

## 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.

**Turnkey Agentic Wallets.** An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026.

## 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`

### Turnkey Agentic Wallets

1. Use a non-root user's key. Refuse root credentials for unattended work, because root bypasses every policy
2. Scope every signing ALLOW policy by `wallet.id` or `wallet_account.address`, or it covers every key the user can reach
3. Check the activity status on each response. `ACTIVITY_STATUS_CONSENSUS_NEEDED` means a person must approve within 24 hours
4. Retry with the identical body to stay idempotent. Changing `timestampMs` creates a new activity
5. Back off with jitter on 429 and poll `get_activity` sparingly, since polling counts against the same 1 to 3 requests a second

## Questions

### Which is better for AI agents, Agentcard or Turnkey Agentic Wallets?

Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Agentcard's 56.5 (C), and leads in 6 of 7 scored categories.

### Do Agentcard and Turnkey Agentic Wallets need an API key?

Agentcard uses an OAuth sign-in. Turnkey Agentic Wallets needs an API key.

### Can an agent call Agentcard and Turnkey Agentic Wallets without installing anything?

Yes. Agentcard has a hosted endpoint at https://api.agentcard.sh and Turnkey Agentic Wallets at https://api.turnkey.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.json, and with the fewest tokens: https://www.anchorterminal.com/compare/agentcard-vs-turnkey-agentic-wallets.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "agentcard", "b": "turnkey-agentic-wallets"}`. From a terminal: `anchor compare agentcard turnkey-agentic-wallets`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/agentcard.json and https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json

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