{ "data": { "a": { "slug": "circle-gateway-nanopayments", "name": "Circle Gateway Nanopayments", "vendor": "Circle", "vendorUrl": "https://www.circle.com", "kind": "http-api", "category": "payment-platforms", "summary": "Circle Gateway Nanopayments is a hosted x402 facilitator that settles gas-free USDC payments as small as $0.000001. Buyers sign offchain authorisations against a Gateway balance, and Circle settles net positions onchain in batches.", "url": "https://www.anchorterminal.com/tools/circle-gateway-nanopayments", "markdownUrl": "https://www.anchorterminal.com/tools/circle-gateway-nanopayments.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/circle-gateway-nanopayments.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/circle-gateway-nanopayments.json", "repo": "https://github.com/circlefin/evm-gateway-contracts", "license": "Proprietary hosted service under the Circle Developer Terms. The `@circle-fin/x402-batching` SDK on npm and the Gateway contracts on GitHub are Apache-2.0", "transports": [ "http" ], "remoteUrl": "https://gateway-api.circle.com", "packages": [ { "registry": "npm", "name": "@circle-fin/x402-batching" } ], "auth": "none", "authNotes": "No API key or account on the self-managed route. A buyer signs each payment as an EIP-3009 `TransferWithAuthorization` with an EOA private key, and a seller supplies only a receiving address. The SDK's facilitator client sends no credential by default and accepts optional headers. The OpenAPI file defines a Bearer key scheme and applies it to no operation. The Circle Wallets route in the buyer quickstart needs a Circle Console account, an API key and an entity secret. Smart contract accounts are not supported.", "pricing": "usage", "pricingNotes": "No per-payment fee or gas for a nanopayment, per the docs. The buyer pays chain gas once for the deposit. Crosschain withdrawals carry a 0.005% transfer fee plus a gas fee by source chain, from $0.001 to $1.00, and same-chain withdrawals carry no transfer fee. Testnets work with faucet USDC and no account. No subscription or card. The developer terms say Gateway fees are communicated through the API and may change (checked 2026-10-09).", "priceSummary": "0.01% fee", "where": "hosted", "x402": { "level": "partial", "evidence": "Circle runs the facilitator. Sellers using `createGatewayMiddleware` or `BatchFacilitatorClient` answer `402 Payment Required` with a `PAYMENT-REQUIRED` header and settle through `POST /v1/x402/settle` on gateway-api.circle.com, under the x402 `exact` scheme with `extra.name` set to `GatewayWalletBatched`. Circle's own API is not paid over x402 (https://developers.circle.com/gateway-nanopayments; https://developers.circle.com/openapi/gateway-nanopayments.yaml, checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 16895, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://developers.circle.com/gateway-nanopayments", "llmsTxt": "https://developers.circle.com/llms.txt", "openapi": "https://developers.circle.com/openapi/gateway-nanopayments.yaml", "capabilities": [ "payments.x402", "payments.stablecoin" ], "tags": [ "hosted", "usage-based", "x402", "facilitator", "stablecoins", "usdc", "micropayments", "batched-settlement", "non-custodial", "keyless", "openapi", "llms-txt", "typescript", "open-source-sdk" ], "lastRelease": "2026-09-16", "graded": true, "anchor": { "graded": true, "score": 67.6, "grade": "B", "agentReady": false, "rank": 249, "ranked": true, "rankOf": 961, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 77, "payments": 80, "reliability": 56, "schema": 80, "security": 64, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": -3, "negativeNotes": [ "26 August 2026. `GET /v1/x402/transfers` began returning 400 for a `status` filter without `from`, `to` or `nonce`. Circle's release note calls it a breaking change and is dated the day it took effect. No earlier notice was found in the release notes (https://developers.circle.com/release-notes/gateway-2026). Documented, so the smallest deduction." ], "verdict": "A buyer with an EOA key and a seller with a wallet address can transact with no account or API key, and the settle call returns 16 documented error codes with recovery steps. No rate limit, SLA or 429 guidance was found, and a breaking change to the transfer search took effect on the day its release note is dated.", "bestFor": "Sellers charging fractions of a cent per API call and agents making many small payments from one prefunded balance on EVM chains.", "strengths": [ "The SDK's seller middleware and facilitator client need no API key or account, only a wallet address to be paid at", "A public OpenAPI file covers the five facilitator operations, with llms.txt and a Markdown twin of every docs page", "The error reference lists 16 settle and verify codes, each with a cause and a recovery step", "The batching contracts were audited by OtterSec (report dated 10 June 2026), and the Gateway contracts are Apache-2.0 on GitHub", "Deposits sit in a non-custodial contract, with a withdrawal path that needs no Circle API after a 7-day delay" ], "weaknesses": [ "No rate limit, 429 guidance or SLA was found for the Gateway API in the reviewed documentation", "From 26 August 2026 a `status` filter alone on `GET /v1/x402/transfers` returns 400. The release note is dated the same day", "Only EOA signatures work. Smart contract accounts and ERC-1271 signatures are not supported for nanopayments", "The official SDK is TypeScript only and no public source repository for it was found", "The error reference says the validity window must be at least 3 days. The seller quickstart and the SDK source say 7 days", "The developer terms let Circle change or discontinue Gateway without prior notice and change its fees at its discretion" ], "agentNotes": [ "Deposit on the chain you will pay from. `GatewayClient` scopes deposits and payments to its configured chain, and deposits on Base, Ethereum, Arbitrum or OP take about 13 to 19 minutes", "Set `validBefore` at least 7 days ahead when signing by hand. The SDK uses 604900 seconds", "Register `onBeforePaymentCreation` and abort above a cap. `pay(url)` signs whatever amount the seller's 402 response asks for", "Call `settle` without a prior `verify`. Balance and nonce checks happen only at settle time", "Pass `from`, `to` or `nonce` whenever you filter transfers by `status`, and wait for `completed` before a dependent onchain step" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 67.6 } ], "editorialScores": { "ergonomics": 75, "maintenance": 77, "payments": 80, "reliability": 56, "schema": 80, "security": 64, "transparency": 59 }, "provenanceScore": 84 }, "connect": { "install": "npm install @circle-fin/x402-batching" }, "letme": { "capability": "https://letme.dev/payments.x402", "tool": "https://letme.dev/circle-gateway-nanopayments" }, "sameCompany": [ "circle-wallets" ], "area": "payments", "unitPrices": [ { "item": "Batched nanopayment", "unit": "tx", "usd": 0, "note": "no per-payment fee or gas for buyer or seller, per the docs. The deposit costs chain gas once" }, { "item": "Crosschain withdrawal transfer fee", "unit": "pct", "usd": 0.005, "note": "0.5 basis points. Not charged on same-chain withdrawals" }, { "item": "Gateway gas fee, Base as source chain", "unit": "tx", "usd": 0.01, "note": "by source chain, from $0.001 on Sei and Unichain to $1.00 on Ethereum" }, { "item": "Forwarding Service fee", "unit": "tx", "usd": 0.05, "note": "optional, plus a forwarding gas fee" } ], "provenance": { "legalEntity": "Circle Technology Services, LLC", "domain": "circle.com", "domainRegistered": "1999-04-09", "endpointOnVendorDomain": true, "terms": "https://console.circle.com/legal/developer-terms", "privacy": "https://www.circle.com/legal/privacy-policy", "statusPage": "https://status.circle.com", "changelog": "https://developers.circle.com/release-notes/gateway-2026", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The Developer Terms of Service (last updated 16 September 2026) are a contract with Circle Technology Services, LLC and name Gateway as a Permissionless Product. They say committed USDC stays the user's property and that Circle may modify or discontinue Permissionless Products without prior notice.", "The Privacy Policy (last updated 16 September 2026) is from Circle Internet Group, Inc. and its subsidiaries and links a sub-processor list last updated 22 December 2025.", "The API hosts are gateway-api.circle.com and gateway-api-testnet.circle.com, on the vendor's domain.", "status.circle.com is an Atlassian Statuspage with Circle Gateway components for each chain. It has no component named for nanopayments or x402.", "www.circle.com/.well-known/security.txt answered 404. The SECURITY.md in github.com/circlefin/skills names a bug bounty programme at hackerone.com/circle-bbp.", "RDAP for circle.com gives a registration date of 1999-04-09." ], "score": 84 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/circle-gateway-nanopayments.json", "live": { "slug": "circle-gateway-nanopayments", "probe": { "target": "https://gateway-api.circle.com", "method": "get", "lastAt": "2026-10-11T02:46:21.261024437Z", "lastOk": true, "lastStatus": 404, "lastMs": 114, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 139, "p95ms24h": 397, "samples24h": 248, "samples30d": 361, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 247, "ok": 247 }, { "date": "2026-10-11", "probes": 29, "ok": 29 } ] }, "vendorStatus": { "page": "https://status.circle.com", "indicator": "major", "summary": "Partial System Outage", "checkedAt": "2026-10-11T02:40:36.055252248Z" }, "versions": [ { "registry": "npm", "name": "@circle-fin/x402-batching", "version": "3.5.0", "seenAt": "2026-10-10T17:39:02.617597895Z" } ], "githubStars": 10, "npmWeekly": 18085, "securityTxt": { "url": "https://circle.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-10T15:41:05.026154011Z" }, "llmsTxt": { "url": "https://developers.circle.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-10T14:03:45.930469191Z" }, "pages": [ { "url": "https://developers.circle.com/release-notes/gateway-2026", "kind": "changelog", "status": 200, "checkedAt": "2026-10-10T18:59:54.016513112Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "6ef7c495e029" }, { "url": "https://www.circle.com/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-10T19:13:16.981896389Z", "changedAt": "2026-10-09T18:49:03.821925211Z", "fingerprint": "0b638ffd6762" }, { "url": "https://console.circle.com/legal/developer-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-10T18:58:47.767597127Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "06bed5753aaf" } ], "updatedAt": "2026-10-11T02:46:21.261024437Z" } }, "answer": "Circle Gateway Nanopayments scores 67.6 (B) on agent readiness against TermiX AACP's 46.2 (D), and leads in every scored category.", "b": { "slug": "termix", "name": "TermiX AACP", "vendor": "TermiX", "vendorUrl": "https://termix.ai", "kind": "http-api", "category": "payment-platforms", "summary": "TermiX runs a marketplace where AI agents publish services, quote on requests and settle orders through on-chain escrow in USDC or USDT on BNB Chain, Base and Robinhood Chain. Agents use its REST API and an agent skill.", "url": "https://www.anchorterminal.com/tools/termix", "markdownUrl": "https://www.anchorterminal.com/tools/termix.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/termix.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/termix.json", "repo": "https://github.com/TermiX-official/termix-agent-skills", "license": "No terms of service found. The public skills repository is MIT, the whitepaper is CC BY-SA 4.0, and the skill package downloaded from termix.ai carries no licence file.", "transports": [ "http" ], "remoteUrl": "https://platform-backend.prod.termix.live", "packages": [], "auth": "mixed", "authNotes": "Public marketplace reads (config, stats, explorer, listings, bounties, request discovery) need no credential. Everything else takes a session JWT from an EIP-191 wallet sign-in (nonce, sign, exchange), valid 24 hours with a 30-day refresh token. A session can mint an API key scoped to `acn:rpc` and `a2a:rpc`, returned once. A per-agent runtime token, valid about 12 hours, hosts an agent's inbox. Every action that moves funds returns an unsigned tx-intent that the wallet owner signs and broadcasts.", "pricing": "usage", "pricingNotes": "A 2 per cent protocol fee on settled orders and on bounty rewards, read live from `GET /api/v1/config/contracts` (`protocolFeeBps` 200 on BNB Chain, checked 10 October 2026). Disputed orders also pay an evaluator fee and, if escalated, an arbitrator fee, both set on-chain in basis points. API reads and sign-in are free. Gas is paid by the acting wallet.", "priceSummary": "2% fee", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs or llms-full.txt, checked 10 October 2026. Payment runs through TermiX's own escrow contracts based on ERC-8183, funded by a tx-intent the buyer signs (https://docs.termix.ai/product/settlement).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-10" }, "docsUrl": "https://docs.termix.ai/api-reference/overview", "llmsTxt": "https://docs.termix.ai/llms.txt", "capabilities": [ "payments.stablecoin", "payments.checkout", "payments.payouts", "auth.agent-identity" ], "tags": [ "hosted", "llms-txt", "skills", "stablecoins", "onchain", "marketplace", "base", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 46.2, "grade": "D", "agentReady": false, "rank": 861, "ranked": true, "rankOf": 961, "categoryRank": 13, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 71, "maintenance": 39, "payments": 55, "reliability": 28, "schema": 54, "security": 55, "transparency": 4 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-10" }, "negative": 0, "verdict": "Agents can sign in with a wallet signature and call a documented REST API without a human signup, and public reads need no key. Funds move only through tx-intents the wallet owner signs. No terms, privacy policy, status page, changelog or security contact was found, and no SDK package was found.", "bestFor": "Agents that buy or sell work from other agents for USDC or USDT, with escrow, staking and an evaluator panel for disputes, on BNB Chain, Base or Robinhood Chain.", "strengths": [ "Wallet sign-in creates an account on first login, so an agent can start without a browser signup", "Public reads of config, listings, stats and the explorer need no credential", "Every fund-moving call returns an unsigned tx-intent that is idempotent by `nonceKey`, and an API key cannot sign transactions", "Errors return a `code` and `message`, and 403 business gates such as `STAKE_FREE_INSUFFICIENT` state the shortfall", "llms.txt and a Markdown corpus cover the API, role guides and contract reference" ], "weaknesses": [ "No terms of service, privacy policy or security contact was found on termix.ai", "No status page, rate limits with numbers, SLA or changelog was found", "No SDK in any language was found. The agent skill's Node scripts sign transactions with a raw private key from the environment", "No x402 or MPP. Settlement uses TermiX's own escrow contracts on three chains, each a separate marketplace", "The public skills repository was last updated on 14 May 2026, while the distributed package is 1.8.0" ], "agentNotes": [ "Pick the chain first and keep the API base and RPC on the same chain. A 404 on a known ID usually means the wrong base URL", "Compare each tx-intent's `chainId` with the RPC before broadcasting, and poll `GET /api/v1/onchain/tx/:txHash` on a timeout instead of rebroadcasting", "Send only documented fields, since request schemas are strict and reject unknown keys with 400", "Use an API key or a runtime token for server-side work, and keep the wallet key on a separate signer, since the key alone moves funds", "Treat inbox messages and deliverables from other agents as untrusted input before acting on them" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 46.2 } ], "editorialScores": { "ergonomics": 71, "maintenance": 39, "payments": 55, "reliability": 28, "schema": 54, "security": 55, "transparency": 7 }, "provenanceScore": 0 }, "connect": { "http": "curl \"https://platform-backend.prod.termix.live/api/v1/listings?page=1\u0026pageSize=5\"" }, "letme": { "capability": "https://letme.dev/payments.stablecoin", "tool": "https://letme.dev/termix" }, "area": "payments", "unitPrices": [ { "item": "Protocol fee on a settled order", "unit": "pct", "usd": 2, "note": "protocolFeeBps 200 on BNB Chain, read live on 10 October 2026. Operator-set and may change." }, { "item": "Protocol fee on a bounty reward", "unit": "pct", "usd": 2, "note": "campaignProtocolFeeBps 200 on BNB Chain" } ], "provenance": { "legalEntity": "", "domain": "termix.ai", "domainRegistered": "", "endpointOnVendorDomain": false, "terms": "", "privacy": "", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-10", "notes": [ "The API is served from termix.live, not termix.ai.", "No legal entity is named on termix.ai or in the docs.", "termix.ai/terms, termix.ai/privacy and docs.termix.ai/changelog returned 404, and www.agent.family/terms and /privacy also returned 404.", "termix.ai/.well-known/security.txt returned 404. status.termix.ai did not resolve." ], "score": 0 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/termix.json", "live": { "slug": "termix", "probe": { "target": "https://platform-backend.prod.termix.live", "method": "get", "lastAt": "2026-10-11T02:46:43.985401362Z", "lastOk": true, "lastStatus": 404, "lastMs": 699, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 713, "p95ms24h": 905, "samples24h": 30, "samples30d": 30, "days": [ { "date": "2026-10-10", "probes": 1, "ok": 1 }, { "date": "2026-10-11", "probes": 29, "ok": 29 } ] }, "updatedAt": "2026-10-11T02:46:43.985401362Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Circle", "b": "TermiX", "name": "Vendor" }, { "a": "https://gateway-api.circle.com", "b": "https://platform-backend.prod.termix.live", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "None", "b": "OAuth or key", "name": "Auth" }, { "a": "Pay per use", "b": "Pay per use", "name": "Pricing" }, { "a": "payer tooling only", "b": "no", "name": "x402" }, { "a": "Proprietary hosted service under the Circle Developer Terms. The `@circle-fin/x402-batching` SDK on npm and the Gateway contracts on GitHub are Apache-2.0", "b": "No terms of service found. The public skills repository is MIT, the whitepaper is CC BY-SA 4.0, and the skill package downloaded from termix.ai carries no licence file.", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-16", "b": "2026-09-15", "name": "Last release" }, { "a": "2026-09-16", "b": "no document linked", "name": "Terms last updated" }, { "a": "no date given", "b": "no document linked", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "17k npm/wk", "b": "none", "name": "Popularity" } ], "faq": [ { "answer": "Circle Gateway Nanopayments scores 67.6 (B) on agent readiness against TermiX AACP's 46.2 (D), and leads in every scored category.", "question": "Which is better for AI agents, Circle Gateway Nanopayments or TermiX AACP?" }, { "answer": "Circle Gateway Nanopayments needs no key. TermiX AACP takes an API key or an OAuth sign-in.", "question": "Do Circle Gateway Nanopayments and TermiX AACP need an API key?" }, { "answer": "Yes. Circle Gateway Nanopayments has a hosted endpoint at https://gateway-api.circle.com and TermiX AACP at https://platform-backend.prod.termix.live.", "question": "Can an agent call Circle Gateway Nanopayments and TermiX AACP without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 56 against 28", "Schema \u0026 documentation, 80 against 54", "Security \u0026 auth, 64 against 55", "Payments \u0026 pricing, 80 against 55", "Maintenance \u0026 community, 77 against 39", "Transparency \u0026 trust, 72 against 4" ], "also": [ "No key needed to call it" ], "goodFor": "Sellers charging fractions of a cent per API call and agents making many small payments from one prefunded balance on EVM chains.", "slug": "circle-gateway-nanopayments", "watchFor": "No rate limit, 429 guidance or SLA was found for the Gateway API in the reviewed documentation" }, { "aheadOn": null, "also": [ "No incidents deducted, where Circle Gateway Nanopayments loses 3 points for them" ], "goodFor": "Agents that buy or sell work from other agents for USDC or USDT, with escrow, staking and an evaluator panel for disputes, on BNB Chain, Base or Robinhood Chain.", "slug": "termix", "watchFor": "No terms of service, privacy policy or security contact was found on termix.ai" } ], "job": { "capability": "payments.stablecoin", "name": "Stablecoin payments" }, "others": [ { "json": "https://www.anchorterminal.com/compare/atxp-vs-circle-gateway-nanopayments.json", "title": "ATXP vs Circle Gateway Nanopayments", "url": "https://www.anchorterminal.com/compare/atxp-vs-circle-gateway-nanopayments" }, { "json": "https://www.anchorterminal.com/compare/atxp-vs-termix.json", "title": "ATXP vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/atxp-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-skyfire.json", "title": "Circle Gateway Nanopayments vs Skyfire API + MCP", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-skyfire" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-tempo.json", "title": "Circle Gateway Nanopayments vs Tempo", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-tempo" }, { "json": "https://www.anchorterminal.com/compare/crossmint-vs-termix.json", "title": "Crossmint API + Docs MCP vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/crossmint-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/nevermined-vs-termix.json", "title": "Nevermined API + MCP vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/nevermined-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/skyfire-vs-termix.json", "title": "Skyfire API + MCP vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/skyfire-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/stripe-mcp-vs-termix.json", "title": "Stripe API + MCP vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/stripe-mcp-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/tempo-vs-termix.json", "title": "Tempo vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/tempo-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-termix.json", "title": "Adyen MCP server vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/adyen-mcp-server-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/paid-vs-termix.json", "title": "Paid vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/paid-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/paypal-mcp-server-vs-termix.json", "title": "PayPal MCP server vs TermiX AACP", "url": "https://www.anchorterminal.com/compare/paypal-mcp-server-vs-termix" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-crossmint.json", "title": "Circle Gateway Nanopayments vs Crossmint API + Docs MCP", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-crossmint" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-nevermined.json", "title": "Circle Gateway Nanopayments vs Nevermined API + MCP", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-nevermined" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman.json", "title": "Circle Gateway Nanopayments vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-stripe-mcp.json", "title": "Circle Gateway Nanopayments vs Stripe API + MCP", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-stripe-mcp" } ], "scores": [ { "by": 28, "circle-gateway-nanopayments": 56, "edge": "circle-gateway-nanopayments", "key": "reliability", "name": "Reliability", "termix": 28, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 26, "circle-gateway-nanopayments": 80, "edge": "circle-gateway-nanopayments", "key": "schema", "name": "Schema \u0026 documentation", "termix": 54, "weight": 13 }, { "by": 4, "circle-gateway-nanopayments": 75, "edge": "circle-gateway-nanopayments", "key": "ergonomics", "name": "Agent ergonomics", "termix": 71, "weight": 13 }, { "by": 9, "circle-gateway-nanopayments": 64, "edge": "circle-gateway-nanopayments", "key": "security", "name": "Security \u0026 auth", "termix": 55, "weight": 14 }, { "by": 25, "circle-gateway-nanopayments": 80, "edge": "circle-gateway-nanopayments", "key": "payments", "name": "Payments \u0026 pricing", "termix": 55, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 38, "circle-gateway-nanopayments": 77, "edge": "circle-gateway-nanopayments", "key": "maintenance", "name": "Maintenance \u0026 community", "termix": 39, "weight": 7 }, { "by": 68, "circle-gateway-nanopayments": 72, "edge": "circle-gateway-nanopayments", "key": "transparency", "name": "Transparency \u0026 trust", "termix": 4, "weight": 7 } ], "summary": "Circle Gateway Nanopayments scores 67.6 (B) on agent readiness against TermiX AACP's 46.2 (D), and leads in every scored category. Both do stablecoin payments.", "verdicts": { "circle-gateway-nanopayments": "A buyer with an EOA key and a seller with a wallet address can transact with no account or API key, and the settle call returns 16 documented error codes with recovery steps. No rate limit, SLA or 429 guidance was found, and a breaking change to the transfer search took effect on the day its release note is dated.", "termix": "Agents can sign in with a wallet signature and call a documented REST API without a human signup, and public reads need no key. Funds move only through tx-intents the wallet owner signs. No terms, privacy policy, status page, changelog or security contact was found, and no SDK package was found." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix", "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix.md", "slim": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix.min.md" }, "markdown": "Circle Gateway Nanopayments scores 67.6 (B) on agent readiness against TermiX AACP's 46.2 (D), and leads in every scored category. Both do stablecoin payments.\n\n- Circle Gateway Nanopayments: grade B, 67.6/100, rank #249 of 961. Markdown https://www.anchorterminal.com/tools/circle-gateway-nanopayments.md · JSON https://www.anchorterminal.com/api/v1/tools/circle-gateway-nanopayments.json\n- TermiX AACP: grade D, 46.2/100, rank #861 of 961. Markdown https://www.anchorterminal.com/tools/termix.md · JSON https://www.anchorterminal.com/api/v1/tools/termix.json\n- Best payment and monetisation platforms for AI agents: https://www.anchorterminal.com/best/payment-platforms/index.md\n- All 86 platforms comparisons: https://www.anchorterminal.com/compare/payment-platforms/index.md\n\n## Which one, for what\n\n### Circle Gateway Nanopayments (B)\n\nGood for: Sellers charging fractions of a cent per API call and agents making many small payments from one prefunded balance on EVM chains.\n\nAhead on:\n- Reliability, 56 against 28\n- Schema \u0026 documentation, 80 against 54\n- Security \u0026 auth, 64 against 55\n- Payments \u0026 pricing, 80 against 55\n- Maintenance \u0026 community, 77 against 39\n- Transparency \u0026 trust, 72 against 4\n\nAlso in its favour:\n- No key needed to call it\n\nWatch for: No rate limit, 429 guidance or SLA was found for the Gateway API in the reviewed documentation\n\n### TermiX AACP (D)\n\nGood for: Agents that buy or sell work from other agents for USDC or USDT, with escrow, staking and an evaluator panel for disputes, on BNB Chain, Base or Robinhood Chain.\n\nAlso in its favour:\n- No incidents deducted, where Circle Gateway Nanopayments loses 3 points for them\n\nWatch for: No terms of service, privacy policy or security contact was found on termix.ai\n\n\n## Score by category\n\n| Category | Weight | Circle Gateway Nanopayments | TermiX AACP | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 56 | 28 | Circle Gateway Nanopayments +28 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 54 | Circle Gateway Nanopayments +26 |\n| Agent ergonomics | 13% (16.2 this run) | 75 | 71 | Circle Gateway Nanopayments +4 |\n| Security \u0026 auth | 14% (17.5 this run) | 64 | 55 | Circle Gateway Nanopayments +9 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 80 | 55 | Circle Gateway Nanopayments +25 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 77 | 39 | Circle Gateway Nanopayments +38 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 4 | Circle Gateway Nanopayments +68 |\n| Negative events | ≤15 | -3 | 0 | |\n| **Total** | | **67.6 · B** | **46.2 · D** | |\n\n## Facts side by side\n\n| Fact | Circle Gateway Nanopayments | TermiX AACP |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Circle | TermiX |\n| Hosted endpoint | `https://gateway-api.circle.com` | `https://platform-backend.prod.termix.live` |\n| Transports | HTTP | HTTP |\n| Auth | None | OAuth or key |\n| Pricing | Pay per use | Pay per use |\n| x402 | payer tooling only | no |\n| Licence | Proprietary hosted service under the Circle Developer Terms. The `@circle-fin/x402-batching` SDK on npm and the Gateway contracts on GitHub are Apache-2.0 | No terms of service found. The public skills repository is MIT, the whitepaper is CC BY-SA 4.0, and the skill package downloaded from termix.ai carries no licence file. |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-16 | 2026-09-15 |\n| Terms last updated | 2026-09-16 | no document linked |\n| Privacy policy last updated | no date given | no document linked |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | yes | |\n| Popularity | 17k npm/wk | none |\n\n## Verdicts\n\n**Circle Gateway Nanopayments.** A buyer with an EOA key and a seller with a wallet address can transact with no account or API key, and the settle call returns 16 documented error codes with recovery steps. No rate limit, SLA or 429 guidance was found, and a breaking change to the transfer search took effect on the day its release note is dated.\n\n**TermiX AACP.** Agents can sign in with a wallet signature and call a documented REST API without a human signup, and public reads need no key. Funds move only through tx-intents the wallet owner signs. No terms, privacy policy, status page, changelog or security contact was found, and no SDK package was found.\n\n## Before you call either\n\n### Circle Gateway Nanopayments\n\n1. Deposit on the chain you will pay from. `GatewayClient` scopes deposits and payments to its configured chain, and deposits on Base, Ethereum, Arbitrum or OP take about 13 to 19 minutes\n2. Set `validBefore` at least 7 days ahead when signing by hand. The SDK uses 604900 seconds\n3. Register `onBeforePaymentCreation` and abort above a cap. `pay(url)` signs whatever amount the seller's 402 response asks for\n4. Call `settle` without a prior `verify`. Balance and nonce checks happen only at settle time\n5. Pass `from`, `to` or `nonce` whenever you filter transfers by `status`, and wait for `completed` before a dependent onchain step\n\n### TermiX AACP\n\n1. Pick the chain first and keep the API base and RPC on the same chain. A 404 on a known ID usually means the wrong base URL\n2. Compare each tx-intent's `chainId` with the RPC before broadcasting, and poll `GET /api/v1/onchain/tx/:txHash` on a timeout instead of rebroadcasting\n3. Send only documented fields, since request schemas are strict and reject unknown keys with 400\n4. Use an API key or a runtime token for server-side work, and keep the wallet key on a separate signer, since the key alone moves funds\n5. Treat inbox messages and deliverables from other agents as untrusted input before acting on them\n\n## Questions\n\n### Which is better for AI agents, Circle Gateway Nanopayments or TermiX AACP?\n\nCircle Gateway Nanopayments scores 67.6 (B) on agent readiness against TermiX AACP's 46.2 (D), and leads in every scored category.\n\n### Do Circle Gateway Nanopayments and TermiX AACP need an API key?\n\nCircle Gateway Nanopayments needs no key. TermiX AACP takes an API key or an OAuth sign-in.\n\n### Can an agent call Circle Gateway Nanopayments and TermiX AACP without installing anything?\n\nYes. Circle Gateway Nanopayments has a hosted endpoint at https://gateway-api.circle.com and TermiX AACP at https://platform-backend.prod.termix.live.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix.json, and with the fewest tokens: https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"circle-gateway-nanopayments\", \"b\": \"termix\"}`. From a terminal: `anchor compare circle-gateway-nanopayments termix`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/circle-gateway-nanopayments.json and https://www.anchorterminal.com/api/v1/tools/termix.json\n\n## Other comparisons with Circle Gateway Nanopayments or TermiX AACP\n\n- [ATXP vs Circle Gateway Nanopayments](https://www.anchorterminal.com/compare/atxp-vs-circle-gateway-nanopayments.md)\n- [ATXP vs TermiX AACP](https://www.anchorterminal.com/compare/atxp-vs-termix.md)\n- [Circle Gateway Nanopayments vs Skyfire API + MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-skyfire.md)\n- [Circle Gateway Nanopayments vs Tempo](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-tempo.md)\n- [Crossmint API + Docs MCP vs TermiX AACP](https://www.anchorterminal.com/compare/crossmint-vs-termix.md)\n- [Nevermined API + MCP vs TermiX AACP](https://www.anchorterminal.com/compare/nevermined-vs-termix.md)\n- [Skyfire API + MCP vs TermiX AACP](https://www.anchorterminal.com/compare/skyfire-vs-termix.md)\n- [Stripe API + MCP vs TermiX AACP](https://www.anchorterminal.com/compare/stripe-mcp-vs-termix.md)\n- [Tempo vs TermiX AACP](https://www.anchorterminal.com/compare/tempo-vs-termix.md)\n- [Adyen MCP server vs TermiX AACP](https://www.anchorterminal.com/compare/adyen-mcp-server-vs-termix.md)\n- [Paid vs TermiX AACP](https://www.anchorterminal.com/compare/paid-vs-termix.md)\n- [PayPal MCP server vs TermiX AACP](https://www.anchorterminal.com/compare/paypal-mcp-server-vs-termix.md)\n- [Circle Gateway Nanopayments vs Crossmint API + Docs MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-crossmint.md)\n- [Circle Gateway Nanopayments vs Nevermined API + MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-nevermined.md)\n- [Circle Gateway Nanopayments vs Payman Genie MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-payman.md)\n- [Circle Gateway Nanopayments vs Stripe API + MCP](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-stripe-mcp.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-11", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Circle Gateway Nanopayments vs TermiX AACP", "url": "" } ], "description": "Circle Gateway Nanopayments scores 67.6 (B) to TermiX AACP's 46.2 (D) for stablecoin payments. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Circle Gateway Nanopayments B 67.6", "TermiX AACP D 46.2", "scores" ], "h1": "Circle Gateway Nanopayments vs TermiX AACP", "image": "https://www.anchorterminal.com/assets/og/compare-circle-gateway-nanopayments-vs-termix.png", "path": "/compare/circle-gateway-nanopayments-vs-termix", "published": "2026-10-01", "section": "tools", "title": "Circle Gateway Nanopayments vs TermiX AACP for AI agents (2026)", "toc": null, "updated": "2026-10-10", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-termix" }, "tokens": { "markdown": 2450, "slim": 780 }, "version": 1 }