{ "data": { "a": { "slug": "circle-wallets", "name": "Circle Wallets (Agent Wallets, Programmable Wallets)", "vendor": "Circle", "vendorUrl": "https://developers.circle.com", "kind": "http-api", "category": "agent-wallets", "summary": "Circle's wallet APIs (developer-controlled, user-controlled and modular wallets) plus Agent Wallets, a USDC wallet an agent drives through the Circle CLI with per-transaction, daily, weekly and monthly caps and address allowlists.", "url": "https://www.anchorterminal.com/tools/circle-wallets", "markdownUrl": "https://www.anchorterminal.com/tools/circle-wallets.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/circle-wallets.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/circle-wallets.json", "dns": "circle-wallets.grade.anchorterminal.com", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://api.circle.com/v1/w3s", "packages": [ { "registry": "npm", "name": "@circle-fin/cli" }, { "registry": "npm", "name": "@circle-fin/developer-controlled-wallets" }, { "registry": "npm", "name": "@circle-fin/user-controlled-wallets" }, { "registry": "pypi", "name": "circle-developer-controlled-wallets" } ], "auth": "mixed", "authNotes": "Wallets API takes a Bearer API key (separate testnet and mainnet keys). Developer-controlled signing also needs an entity secret that Circle never stores, sent as a fresh ciphertext on each write. Agent Wallets sign in through the CLI with email OTP, and every policy change needs a second OTP. The codegen MCP server needs no key.", "pricing": "freemium", "pricingNotes": "First 1,000 monthly active wallets free every month, then tiered per-wallet fees from $0.05 down to $0.02 on the All-Included plan ($0.038 down to $0.012 for Signing API only). Agent Wallet gas is sponsored (capped, fair use); swaps cost 2 bps, bridging a $0.05 forwarding fee plus CCTP fast-transfer and destination gas, and crosschain x402 payments 0.5 bps (https://help.circle.com/s/article/Developer-platform-fee-schedule?language=en_US).", "priceSummary": "0.02% fee", "where": "hosted", "x402": { "level": "partial", "evidence": "Agent Wallets pay x402 services through Agent Nanopayments (gasless, batched USDC down to $0.000001), spending policies cover x402 payments, and Circle runs a hosted x402 facilitator on Arc, Base and Polygon PoS since 2026-09-16. The Wallets API itself isn't paid per call via x402 (https://developers.circle.com/agent-stack/agent-wallets; https://developers.circle.com/release-notes/agent-stack-2026).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 16541, "pypiWeekly": 1115, "asOf": "2026-09-30" }, "docsUrl": "https://developers.circle.com/agent-stack/agent-wallets", "llmsTxt": "https://developers.circle.com/llms.txt", "openapi": "https://developers.circle.com/openapi/developer-controlled-wallets.yaml", "capabilities": [ "wallet.onchain", "wallet.custody", "wallet.spend-limits", "payments.x402" ], "tags": [ "hosted", "freemium", "free-tier", "mcp", "llms-txt", "openapi", "typescript", "python", "wallet", "stablecoin", "x402", "closed-source", "webhooks" ], "lastRelease": "2026-10-14", "graded": true, "anchor": { "graded": true, "score": 72.4, "grade": "BB", "agentReady": true, "rank": 127, "ranked": true, "rankOf": 1513, "categoryRank": 3, "methodology": "0.7", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 77, "payments": 75, "reliability": 60, "schema": 88, "security": 65, "transparency": 73 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-11-01" }, "negative": 0, "verdict": "Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by email OTP. Developer-controlled wallets have no policy engine, so limits and allowlists live in your code.", "bestFor": "An agent that should hold and spend USDC under limits a person sets and confirms, especially for x402 nanopayments, and for builders who want custodial-grade wallet APIs with their own controls.", "strengths": [ "Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by email OTP", "User custody by 2-of-2 MPC; key shares never reach the agent and Circle says it can't move funds alone", "Required UUID idempotency keys on every mutating Wallets API request", "Public OpenAPI, llms.txt and a Markdown twin of every docs page", "Hosted x402 facilitator on Arc, Base and Polygon PoS since 16 September 2026" ], "weaknesses": [ "Developer-controlled wallets have no built-in spending caps; Compliance Engine rules need an application", "Spending policies don't work on testnet, so you can't rehearse them without real funds", "API keys have no permission scopes we could find", "Modular Wallets were paused on every network for about 5 hours on 8 October 2026, and webhook delivery was down for about 51 hours in September", "No SLA or security.txt, and 429 is named without Retry-After or backoff guidance" ], "agentNotes": [ "Run `circle wallet limit set` with per-tx, daily, weekly and monthly caps in ascending order before funding the wallet", "Use the non-interactive sign-in; without your own mailbox, ask a person for the email OTP", "Send a new UUID `idempotencyKey` and a fresh `entitySecretCiphertext` on every developer-controlled write, stay under 5 POST requests a second and back off on 429 yourself", "Treat token names and symbols in wallet responses as untrusted text", "Configure a third-party paymaster as a fallback for Modular Wallets. Circle's paymaster was paused for about 35 hours from 8 October" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 8, "avgRating": 3.1, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "BB", "methodology": "0.7", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 72.4 } ], "editorialScores": { "ergonomics": 75, "maintenance": 77, "payments": 75, "reliability": 60, "schema": 88, "security": 65, "transparency": 59 }, "provenanceScore": 86, "checked": { "categories": { "ergonomics": "2026-11-01", "maintenance": "2026-11-01", "payments": "2026-11-01", "reliability": "2026-11-01", "schema": "2026-11-01", "security": "2026-11-01", "transparency": "2026-11-01" }, "last": "2026-11-01", "lastMoved": "2026-10-27", "oldest": "2026-11-01", "stale": false, "staleAfterDays": 90 } }, "connect": { "install": "npm install -g @circle-fin/cli", "http": "curl https://api.circle.com/v1/w3s/wallets -H \"Authorization: Bearer $CIRCLE_API_KEY\"", "claudeCode": "claude mcp add --transport http circle https://api.circle.com/v1/codegen/mcp --scope user", "config": { "mcpServers": { "circle": { "url": "https://api.circle.com/v1/codegen/mcp" } } } }, "letme": { "capability": "https://letme.dev/wallet.onchain", "tool": "https://letme.dev/circle-wallets" }, "sameCompany": [ "circle-gateway-nanopayments" ], "area": "payments", "unitPrices": [ { "item": "Agent Wallet swap", "unit": "pct", "usd": 0.02, "note": "2 bps swap provider fee" }, { "item": "Agent Wallet bridge forwarding", "unit": "tx", "usd": 0.05, "note": "plus CCTP fast-transfer fee and destination gas" }, { "item": "Crosschain x402 payment (Gateway)", "unit": "pct", "usd": 0.005, "note": "0.5 bps; same-chain free" } ], "provenance": { "legalEntity": "Circle Technology Services, LLC", "domain": "circle.com", "domainRegistered": "1999-04-09", "domainNote": "circle.com was registered in 1999, well before Circle was founded in 2013.", "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/wallets-2026", "securityTxt": "none", "checked": "2026-11-01", "score": 86 }, "requirements": { "setupChecked": true, "complianceChecked": true, "card": "no", "freeTier": true, "minutes": 5, "credential": "mixed", "euResidency": "unknown", "trainsOnData": "unknown", "zeroRetention": "unknown", "selfHost": "no" }, "pageJsonUrl": "https://www.anchorterminal.com/tools/circle-wallets.json", "live": { "slug": "circle-wallets", "probe": { "target": "https://api.circle.com/v1/w3s", "method": "get", "lastAt": "2026-11-08T14:47:44.647651977Z", "lastOk": true, "lastStatus": 404, "lastMs": 129, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 139, "p95ms24h": 255, "samples24h": 242, "samples30d": 7844, "days": [ { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 247, "ok": 247 }, { "date": "2026-10-11", "probes": 247, "ok": 247 }, { "date": "2026-10-12", "probes": 247, "ok": 247 }, { "date": "2026-10-13", "probes": 248, "ok": 248 }, { "date": "2026-10-14", "probes": 249, "ok": 249 }, { "date": "2026-10-15", "probes": 253, "ok": 253 }, { "date": "2026-10-16", "probes": 252, "ok": 252 }, { "date": "2026-10-17", "probes": 253, "ok": 253 }, { "date": "2026-10-18", "probes": 256, "ok": 256 }, { "date": "2026-10-19", "probes": 255, "ok": 255 }, { "date": "2026-10-20", "probes": 252, "ok": 252 }, { "date": "2026-10-21", "probes": 253, "ok": 253 }, { "date": "2026-10-22", "probes": 253, "ok": 253 }, { "date": "2026-10-23", "probes": 248, "ok": 248 }, { "date": "2026-10-24", "probes": 251, "ok": 251 }, { "date": "2026-10-25", "probes": 250, "ok": 250 }, { "date": "2026-10-26", "probes": 252, "ok": 252 }, { "date": "2026-10-27", "probes": 249, "ok": 249 }, { "date": "2026-10-28", "probes": 251, "ok": 251 }, { "date": "2026-10-29", "probes": 249, "ok": 249 }, { "date": "2026-10-30", "probes": 248, "ok": 248 }, { "date": "2026-10-31", "probes": 251, "ok": 251 }, { "date": "2026-11-01", "probes": 249, "ok": 249 }, { "date": "2026-11-02", "probes": 250, "ok": 250 }, { "date": "2026-11-03", "probes": 248, "ok": 248 }, { "date": "2026-11-04", "probes": 246, "ok": 246 }, { "date": "2026-11-05", "probes": 185, "ok": 185 }, { "date": "2026-11-06", "probes": 241, "ok": 241 }, { "date": "2026-11-07", "probes": 243, "ok": 243 }, { "date": "2026-11-08", "probes": 150, "ok": 150 } ], "since": "2026-10-08T00:00:00Z" }, "vendorStatus": { "page": "https://status.circle.com", "indicator": "major", "summary": "Partial System Outage", "checkedAt": "2026-11-08T14:50:11.092566528Z" }, "versions": [ { "registry": "npm", "name": "@circle-fin/cli", "version": "1.2.3", "seenAt": "2026-11-08T00:43:39.645463847Z" }, { "registry": "npm", "name": "@circle-fin/developer-controlled-wallets", "version": "10.8.1", "seenAt": "2026-11-08T00:43:40.472196493Z" }, { "registry": "npm", "name": "@circle-fin/user-controlled-wallets", "version": "10.8.1", "seenAt": "2026-11-08T00:43:41.879683621Z" }, { "registry": "pypi", "name": "circle-developer-controlled-wallets", "version": "9.6.0", "released": "2026-05-29", "seenAt": "2026-11-08T00:43:43.872988333Z" } ], "npmWeekly": 612, "pypiWeekly": 673, "securityTxt": { "url": "https://circle.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-11-07T16:01:28.127765202Z" }, "llmsTxt": { "url": "https://developers.circle.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-11-07T15:31:50.486831417Z" }, "domain": { "domain": "circle.com", "registered": "1999-04-09", "source": "https://rdap.verisign.com/com/v1/domain/circle.com", "checkedAt": "2026-11-01T14:20:05.130755991Z" }, "pages": [ { "url": "https://developers.circle.com/release-notes/wallets-2026", "kind": "changelog", "status": 200, "checkedAt": "2026-11-08T14:43:52.904631425Z", "changedAt": "2026-10-29T05:02:13.554503977Z", "fingerprint": "d67717303fcf" }, { "url": "https://www.circle.com/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:27:03.143139172Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "881b8c13248a" }, { "url": "https://console.circle.com/legal/developer-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:16:38.471314465Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "06bed5753aaf" } ], "mcpTools": { "url": "https://api.circle.com/v1/codegen/mcp", "checkedAt": "2026-11-08T01:56:46.236867627Z", "status": "ok", "note": "answered without the initialize handshake", "tools": [ { "name": "search_circle_documentation", "description": "Use this tool to search the official Circle documentation for any information about the Circle developer suite.\n\nNOTE:\n - You must use this tool FIRST to narrow your search scope, then use get_circle_product_summary to understand the relevant product.", "inputSchema": { "additionalProperties": false, "properties": { "query": { "description": "Query to conduct a vector search in Circle's documentation.", "type": "string" } }, "required": [ "query" ], "type": "object" }, "annotations": { "destructiveHint": false, "idempotentHint": true, "openWorldHint": false, "readOnlyHint": true } }, { "name": "get_circle_product_summary", "description": "Get a summary of a specific Circle Web3 product and its capabilities.\n\nUse this tool SECOND (after search_circle_documentation) to get detailed information about a specific Circle product including:\n- Product description and use cases\n- Supported blockchains\n- Key features and capabilities\n- When and how to use this product\n\nHere's list of supported products and a quick summary of each:\n- Developer-Controlled Wallets: Custodial wallets where developers manage user assets.\n- User-Controlled Wallets: MPC-powered wallets where users control their private keys.\n- Modular Wallets: A type of smart contract account wallet that can be extended with different modules, ideal for advanced / custom onchain wallets.\n- Cross-Chain Transfer Protocol (CCTP): Trust-minimized USDC bridging by burning on source and minting on target chains.\n- Gateway: A unified USDC balance across multiple chains that allows users to spend USDC on any supported chain whenever they want.\n- Smart Contract Platform (SCP): Deploy and manage smart contracts easily with Circle's templates or custom code.\nNote: Developer-Controlled Wallets and User-Controlled Wallets were originally called Programmable Wallets (abbreviated as PW) but now both are called Circle Wallets.", "inputSchema": { "additionalProperties": false, "properties": { "product": { "description": "The Circle Web3 product name to get a summary for.", "enum": [ "cctp", "gateway", "smart-contract-platform", "user-controlled-wallets", "developer-controlled-wallets", "modular-wallets", "etherjs", "solana-sdk" ], "type": "string" } }, "required": [ "product" ], "type": "object" }, "annotations": { "destructiveHint": false, "idempotentHint": true, "openWorldHint": false, "readOnlyHint": true } }, { "name": "list_available_coding_resources", "description": "List all available coding resources for a specific Circle product.\n\nUse this tool THIRD (after get_circle_product_summary) to understand what coding resources are available for implementation.\n\nReturns a list of coding resources with:\n- name: The identifier you'll use to retrieve the full resource details\n- description: What the resource does\n- resource_type: Either SDK_METHOD (TypeScript SDK methods) or CODE_SNIPPET (standalone code examples)\n\nThis helps you understand what's available before requesting full details with get_coding_resource_details.", "inputSchema": { "additionalProperties": false, "properties": { "product": { "description": "The Circle Web3 product name to list coding resources for.", "enum": [ "cctp", "gateway", "smart-contract-platform", "user-controlled-wallets", "developer-controlled-wallets", "modular-wallets", "etherjs", "solana-sdk" ], "type": "string" } }, "required": [ "product" ], "type": "object" }, "annotations": { "destructiveHint": false, "idempotentHint": true, "openWorldHint": false, "readOnlyHint": true } }, { "name": "get_coding_resource_details", "description": "Get detailed information about specific coding resources.\n\nUse this tool FOURTH (after list_available_coding_resources) to retrieve the full content of coding resources.\n\nProvide the resource names you got from list_available_coding_resources to get:\n- Full description\n- Complete content (code, documentation, metadata)\n- Resource type\n\nThis gives you everything needed to implement functionality using Circle products.", "inputSchema": { "additionalProperties": false, "properties": { "product": { "description": "The Circle Web3 product name.", "enum": [ "cctp", "gateway", "smart-contract-platform", "user-controlled-wallets", "developer-controlled-wallets", "modular-wallets", "etherjs", "solana-sdk" ], "type": "string" }, "resource_names": { "description": "List of coding resource names to retrieve (from list_available_coding_resources).", "items": { "type": "string" }, "type": "array" } }, "required": [ "product", "resource_names" ], "type": "object" }, "annotations": { "destructiveHint": false, "idempotentHint": true, "openWorldHint": false, "readOnlyHint": true } } ], "schemaTokens": 1168, "changedAt": "2026-11-07T01:43:11.964854638Z", "check": { "checker": "anchor-check/1.0", "totalTokens": 1168, "counts": { "error": 0, "note": 1, "warn": 1 }, "findings": [ { "rule": "TC20", "severity": "warn", "tool": "search_circle_documentation", "message": "the description steers the model", "fix": "Say what the tool is good at and let the model choose." }, { "rule": "TC24", "severity": "note", "message": "4 of 4 tools have no outputSchema", "fix": "Declare outputSchema for tools that return structured data, and return structuredContent that matches it." } ] } }, "updatedAt": "2026-11-08T14:50:11.092566528Z" }, "streak": { "days": 31, "from": "2026-10-08", "sinceWatching": true, "best": 31 } }, "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 72.4 (BB) on agent readiness against FluxA AI Wallet's 47 (D), and leads in every scored category.", "b": { "slug": "fluxa-ai-wallet", "name": "FluxA AI Wallet", "vendor": "FluxA Technology Pte. Ltd.", "vendorUrl": "https://fluxapay.xyz", "kind": "http-api", "category": "agent-wallets", "summary": "FluxA AI Wallet is a hosted agent wallet from FluxA Technology that signs x402 (EIP-3009) USDC payments on Base within budgets a person approves, reached through the fluxa-wallet CLI, a stdio MCP server and agent skills.", "url": "https://www.anchorterminal.com/tools/fluxa-ai-wallet", "markdownUrl": "https://www.anchorterminal.com/tools/fluxa-ai-wallet.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/fluxa-ai-wallet.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/fluxa-ai-wallet.json", "dns": "fluxa-ai-wallet.grade.anchorterminal.com", "repo": "https://github.com/FluxA-Agent-Payment/FluxA-AI-Wallet-MCP", "license": "The CLI and MCP server source is Apache-2.0 (LICENSE file and both package.json files), though the README's last section says MIT. The hosted wallet service is closed, and no terms covering the wallet were found", "transports": [ "http", "stdio" ], "remoteUrl": "https://walletapi.fluxapay.xyz", "packages": [ { "registry": "npm", "name": "@fluxa-pay/fluxa-wallet" }, { "registry": "npm", "name": "@fluxa-pay/fluxa-wallet-mcp" } ], "auth": "mixed", "authNotes": "An agent connects with `fluxa-wallet connect` (or the MCP tool `connect_wallet`), which returns an `authorization_url` on agentwallet.fluxapay.xyz for the owner to approve in a browser. The claim returns an Agent ID, a token and an RS256 JWT, stored in `~/.fluxa-ai-wallet-mcp/config.json` (mode 0600) or injected as `AGENT_ID`, `AGENT_TOKEN` and `AGENT_JWT`. The owner picks the token's validity (1h, 24h, 7d, 1mo, 180d or 1y; the server suggests 180 days locally and 7 days in cloud or container environments), and the JWT is refreshed with the token. `token_expired` and `token_revoked` return `reconnect_required`. The legacy `init` registers an Agent ID with an unauthenticated `POST https://agentid.fluxapay.xyz/register`. Spending needs a mandate the owner signs in the browser. AgentMarket commands can instead use `fxa_live_` keys with a spend limit, revocable from the CLI.", "pricing": "usage", "pricingNotes": "No fee schedule for the wallet, x402 signing, payouts, payment links or refunds was found in the repository, the skills or the AgentMarket pricing, terms and llms.txt pages (checked 2026-11-07). Merchants set x402 prices. Agent card products list their fees through `fluxa-wallet card types`, which needs a connected wallet, so those fees were not read. The wallet site and docs at agentwallet.fluxapay.xyz and docs.fluxapay.xyz could not be read, so whether opening a wallet needs a card is unchecked. AgentMarket's Balance is $1 = 1 Balance, with Units bundles from $1 to $25.", "priceSummary": "Pay per use", "where": "both", "x402": { "level": "partial", "evidence": "The wallet signs x402 `exact` (EIP-3009) payment authorisations for USDC on Base and Base Sepolia as a buyer (`fluxa-wallet x402 --mandate \u003cid\u003e --payload \u003c402 body\u003e`, MCP `request_x402_payment` and `request_x402_v3_payment`), and its payment links can be paid over x402 so another agent can pay the holder (https://github.com/FluxA-Agent-Payment/FluxA-AI-Wallet-MCP/blob/main/skills/fluxa-agent-wallet/INTEGRATION-GUIDE-CHARGE-AGENT.md, checked 2026-11-07). FluxA's own wallet API is not paid over x402, MPP or L402.", "endpoints": [] }, "toolCount": 15, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-11-07" }, "docsUrl": "https://docs.fluxapay.xyz/", "capabilities": [ "payments.x402", "wallet.spend-limits", "wallet.onchain", "payments.card", "auth.agent-identity" ], "tags": [ "hosted", "official", "open-source", "apache-2.0", "cli", "mcp", "stdio", "skills", "typescript", "wallet", "x402", "stablecoins", "virtual-cards", "usdc", "base" ], "lastRelease": "2026-11-06", "graded": true, "anchor": { "graded": true, "score": 47, "grade": "D", "agentReady": false, "rank": 1164, "ranked": true, "rankOf": 1513, "categoryRank": 11, "methodology": "0.7", "run": "2026-10-01", "scores": { "ergonomics": 60, "maintenance": 66, "payments": 45, "reliability": 20, "schema": 61, "security": 52, "transparency": 32 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "low", "date": "2026-11-07" }, "negative": 0, "verdict": "Every spend runs against a mandate the owner signs in a browser, with a budget, a validity window and an optional host allowlist, and payouts need approval or a mandate. The published MCP package is 0.2.0 from March 2026 against 0.6.0 in the repository, and no status page, fee schedule, wallet terms or custody statement was found.", "bestFor": "An agent in a CLI-capable client that needs to pay x402 APIs, send USDC on Base or receive payments through links, inside budgets a person signs.", "strengths": [ "Spending runs against owner-signed mandates with a limit, a validity window and an optional host allowlist, enforced by the wallet API", "Payouts need per-payout browser approval unless a signed mandate is passed, and a required `payout_id` makes repeats return the same payout", "The CLI returns JSON with error codes, `next_command` hints and `retryable` and `reconnect_required` flags", "Client source is public under Apache-2.0, with 25 CLI releases on npm since March 2026, the latest on 6 November 2026", "Payment links let another agent pay the holder over x402, and refunds of link payments are supported" ], "weaknesses": [ "The published MCP package is 0.2.0 from 2 March 2026 with 13 tools, while the repository says 0.6.0 with 15", "No status page, rate limit, SLA, fee schedule or security contact was found", "Who holds the wallet keys is not stated. The docs say FluxA Wallet signs and call it managed", "The only terms and privacy policy read are AgentMarket's, which do not mention the wallet, cards, KYC or payouts", "The skill steers agents to paid APIs over free search and to request budgets for at least 100 calls by default" ], "agentNotes": [ "Run `fluxa-wallet status` first. If `configured` and `wallet_linked` are true, skip `connect`; otherwise show the `authorization_url` and wait with `connect-status --wait 100`", "On `token_expired` or `token_revoked`, reconnect with the same `--agent-id`. Never run `init` to recover, which creates a new identity", "Pass a unique `--id` on every `payout` and reuse it on retry; a repeat returns the existing payout instead of paying twice", "Check `fluxa-wallet mandates` for a signed mandate with enough remaining budget before creating one, and size new budgets to the task", "Install the CLI from npm, not the MCP package, whose npm release 0.2.0 lacks `connect_wallet` and `get_wallet_connection`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "low", "grade": "D", "methodology": "0.7", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 47 } ], "editorialScores": { "ergonomics": 60, "maintenance": 66, "payments": 45, "reliability": 20, "schema": 61, "security": 52, "transparency": 26 }, "provenanceScore": 38, "checked": { "categories": { "ergonomics": "2026-11-07", "maintenance": "2026-11-07", "payments": "2026-11-07", "reliability": "2026-11-07", "schema": "2026-11-07", "security": "2026-11-07", "transparency": "2026-11-07" }, "last": "2026-11-07", "oldest": "2026-11-07", "stale": false, "staleAfterDays": 90 } }, "connect": { "install": "npm install -g @fluxa-pay/fluxa-wallet" }, "letme": { "capability": "https://letme.dev/payments.x402", "tool": "https://letme.dev/fluxa-ai-wallet" }, "sameCompany": [ "fluxa-agentmarket" ], "area": "payments", "provenance": { "legalEntity": "FluxA Technology Pte. Ltd.", "domain": "fluxapay.xyz", "domainRegistered": "", "endpointOnVendorDomain": true, "terms": "", "privacy": "", "statusPage": "", "changelog": "", "securityTxt": "unknown", "checked": "2026-11-07", "notes": [ "The legal entity is from the footer of agentmarket.fluxapay.xyz, \"© 2025 FluxA Technology Pte. Ltd. All rights reserved.\", the same on the about, terms, privacy and pricing pages. No registration number, address or country is given on those pages. A web search result names a companieshouse.sg page for FluxA Technology Pte Ltd with UEN 202555700C; that host could not be fetched, so the register entry is unread.", "AgentMarket's terms (effective 14 January 2026) and privacy policy (updated 14 January 2026) describe the marketplace and its Balance and do not mention the Agent Wallet, cards, KYC or payouts, so they are not recorded as the wallet's terms. The terms name no entity in their text and no governing law; contact support.fluxapay@fluxapay.xyz.", "fluxapay.xyz, agentwallet.fluxapay.xyz and docs.fluxapay.xyz could not be read. Each robots.txt fetch was refused for want of an approval on 7 November 2026, so nothing on those hosts was fetched. The wallet's own terms, privacy policy, fees, security.txt and docs are unchecked.", "https://agentmarket.fluxapay.xyz/.well-known/security.txt answered a client error. The repository has no SECURITY.md.", "The wallet API, Agent ID API and approval pages are on fluxapay.xyz subdomains named in the CLI source. agentmarket.fluxapay.xyz's robots.txt allows / and disallows /api/ (except /api/discover and /api/llm/skills.md) and /console/; nothing disallowed was fetched.", "unchecked: RDAP for fluxapay.xyz, the MCP registry, the Wayback Machine, GitHub stars and issues (the GitHub API refused the session) and npm download counts." ], "score": 38 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/fluxa-ai-wallet.json", "live": { "slug": "fluxa-ai-wallet", "probe": { "target": "https://walletapi.fluxapay.xyz", "method": "get", "lastAt": "2026-11-08T14:47:50.695700215Z", "lastOk": true, "lastStatus": 404, "lastMs": 532, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 542, "p95ms24h": 603, "samples24h": 90, "samples30d": 90, "days": [ { "date": "2026-11-08", "probes": 90, "ok": 90 } ], "since": "2026-11-08T00:00:00Z" }, "updatedAt": "2026-11-08T14:47:50.695700215Z" }, "streak": { "days": 0, "from": "2026-11-08", "sinceWatching": true, "best": 0 } }, "edges": [ { "by": 41, "category": "transparency", "leads": "circle-wallets", "name": "Transparency \u0026 trust", "reasons": { "a": "Closed service under published developer terms; the CLI is Apache-2.0 on npm with no public repository (15 of 30). The privacy policy, still dated 16 September 2026 on 1 November, names Circle Internet Financial, LLC as controller, links a subprocessor list and relies on SCCs, but states no retention periods, only that data is kept as long as necessary (18 of 30). Kit keys are deprecated with no end-of-life date, and the end of USDC and CCTP V1 on Noble was announced on 10 September for a phased start on 13 October 2026, per the 17 October check (12 of 20). Subprocessor list linked; data may be processed \"in any country where we do business\" (14 of 20).", "b": "The CLI and MCP server source is Apache-2.0 per the LICENSE file and both package.json files, while the README's last section says MIT. The hosted wallet is closed, and no terms covering it were found. AgentMarket's terms describe only the marketplace (15 of 30). AgentMarket's privacy policy of 14 January 2026 names Stripe and model providers and gives no retention periods, and it does not mention wallet addresses, KYC profiles, card data or payouts, which the CLI collects or handles. The wallet's own privacy policy was unreachable (5 of 30). The README marks `init` and `link-wallet` as legacy but still supported, and the skill pins a minimum CLI version; no deprecation policy or dated notice was found (3 of 20). Stripe is the only provider named; no card issuer, KYC provider, custody provider or data location is named. The CLI and MCP code send no telemetry (3 of 20). Total 26." }, "scores": { "a": 73, "b": 32 } }, { "by": 40, "category": "reliability", "leads": "circle-wallets", "name": "Reliability", "reasons": { "a": "Statuspage at status.circle.com with components (20). The incidents API is disallowed to crawlers, but the history page carries its incident list in the page itself, and its two pages, read on 1 November, cover June to 31 October 2026, so the whole 90 days from 3 August is readable. On 8 October Modular Wallets were paused on every production network and their test networks from 16:47 to 21:56 UTC (about 5 hours), marked critical, and Circle's paymaster for Modular Wallets stayed paused until 10 October 03:39 UTC (about 30 more hours). Web3 Services webhook delivery, including the Programmable Wallets console component, was down from 22 September 17:52 to 24 September 21:00 UTC (about 51 hours), marked major. Programmable Wallets were degraded on Arc on 18 September for about 15 minutes. On 22 August Programmable Wallets had delays across multiple networks from 02:48 to 10:28 UTC, marked critical, where the page says some customers may see slower confirmations or partial unavailability, so it reads as partial and minor, as this run reads partial incidents however long they run. The rest of the window is USDC, CCTP and xReserve delays on single networks and testnets, none naming Wallets. The incidents posted from 17 October to 31 October are USDC mint, burn and send delays on single networks (Injective, Cronos, X Layer, Morph, ZKsync), CCTP attestation delays and xReserve delays, none naming Wallets. The Modular Wallets pause is one major outage of a core API (10). The 6 October check read the webhook outage as partway to a second major (5 off the minor-only 20), and the same reading here takes the line to 5 of 30. A stricter reading counting it as a full second major would give 0. 20 GET and 5 POST requests a second by default, 10 a second for wallet creation, fee estimates and signing, on the Wallets API rate-limits page (15). Every mutating request takes a UUID `idempotencyKey` so a retried write runs once, and the rate-limits page says an over-limit call gets 429 and to cache static values, but there's no Retry-After or backoff guidance (10 of 15). No SLA found (0). The Wallets API is generally available and Agent Wallets launched on 11 May 2026 with no beta label, CLI 1.0.0 on 13 August (10).", "b": "Graded with the hosted lines, because signing, mandates and approvals all run on FluxA's wallet API and the CLI and MCP server only wrap it, as kite-agent-passport and kane-cli were read. No status page was found in the repository, the skills or AgentMarket's pages. fluxapay.xyz and the wallet and docs hosts could not be read, so a status page there is unchecked and scored absent (0). With no readable history the record takes the default (5). No rate limit with numbers was found (0). The connection service treats 429 `slow_down` as wait and poll and marks errors `retryable`, the skill says a 503 means retry shortly, payouts require a caller-chosen `payout_id` that returns the existing payout on a repeat, `--biz-id` rejects a duplicate with 409, and card create and recharge resume with `--request-id` instead of paying again. No Retry-After or backoff schedule is documented for the wallet API (10 of 15). No SLA was found (0). No beta label was found on the wallet in what was read, but both packages are at 0.x, agent cards sit behind a waitlist and the wallet site was unread (5 of 10). Total 20." }, "scores": { "a": 60, "b": 20 } }, { "by": 30, "category": "payments", "leads": "circle-wallets", "name": "Payments \u0026 pricing", "reasons": { "a": "Payment platforms and wallets take the highest step that applies on the 40-point protocol line. 40 for x402, MPP or L402 on all their own endpoints, 30 on part of their own API, 25 when their merchants can accept one, 20 for running a facilitator, 15 for paying as a buyer, 0 for only a protocol of their own. Circle has run a hosted x402 facilitator on Arc, Base and Polygon PoS since 16 September 2026, the facilitator step (20 of 40). Agent Wallets also pay x402 services through Agent Nanopayments, and the Wallets API isn't paid per call over x402. Per-wallet fees published, 1,000 monthly active wallets free then $0.05 down to $0.02 per wallet, per the 30 September check (the fee schedule page renders in JavaScript, not re-read on 6 October); the Agent Wallet fee page, re-read on 6 October, lists sponsored gas, 2 bps swaps, a $0.05 bridge forwarding fee and 0.5 bps crosschain x402 (20). The free tier needs no card per the 30 September check (20). The CLI has a non-interactive email OTP sign-in for agents, so an agent with its own mailbox can get a wallet without a browser; the Wallets API needs a Console account (15 of 20).", "b": "Payment platforms and wallets take the highest step that applies on the 40-point protocol line. 40 for x402, MPP or L402 on all their own endpoints, 30 on part of their own API, 25 when their merchants can accept one, 20 for running a facilitator, 15 for paying as a buyer, 0 for only a protocol of their own. The wallet pays x402 as a buyer and its payment links can be paid over x402 so another agent pays the holder, as sponge-wallet's payment links were read. FluxA's own wallet API is not paid over x402, so the merchant step (25 of 40). No fee schedule for the wallet, x402 signing, payouts or payment links was found, and card fees appear only through an authenticated command (0 of 20). Registering an Agent ID and creating payment links cost nothing and need no card per the README and the charge-agent guide, but the wallet sign-up at agentwallet.fluxapay.xyz could not be read, so whether opening a funded wallet needs a card is unchecked (10 of 20). `POST https://agentid.fluxapay.xyz/register` returns credentials with no human step, but the CLI marks it legacy, the default connection needs a browser approval, and every spend needs the owner's wallet and a mandate signed in a browser (10 of 20). Total 45." }, "scores": { "a": 75, "b": 45 } }, { "by": 27, "category": "schema", "leads": "circle-wallets", "name": "Schema \u0026 documentation", "reasons": { "a": "Public OpenAPI file for developer-controlled wallets, 29 paths (25). llms.txt with 250+ links and a Markdown twin for every docs page (10). Reference descriptions say what each endpoint does, but rarely when not to use it (15 of 20). Typed fields with enums and required flags, `pageSize` capped at 50, and `entitySecretCiphertext` marked required on writes (13 of 15). Examples in the reference and a `{code, message}` error shape, but llms.txt lists error-code tables only for CPN and the user-controlled SDK, none for the Wallets API (10 of 15). `/v1` paths and release notes per product and year (15).", "b": "No OpenAPI file or reference for the wallet API was found; the README shows sample requests for five endpoints. The MCP server's 15 tools in the 0.6.0 source carry typed Zod input schemas, and the CLI's flags are documented in prose in the skill files and `--help`. The MCP server is the secondary surface and its npm release is 0.2.0, so 12 of 25. The skill and its 18 Markdown guides are written for agents, and AgentMarket's llms.txt describes the wallet's payment role (10). `connect_wallet`, `init_agent_id` and `create_intent_mandate` say when to use them and when not to, and the skill has a when-to-use table per capability, while the payment-link and status tools have one-line descriptions (12 of 20). Zod enums for validity, runtime, hosting and currency, a regex on payout amounts and strict objects, but the x402 requirement fields are plain strings and `outputSchema` is a free-form record (10 of 15). The README has an example for every MCP tool, the skills give CLI examples and output, and error codes are tabled for mandates, payouts, cards and connections (12 of 15). Semver on npm with 25 CLI versions and a version line in the skill, two git tags and no changelog (5 of 15). Total 61." }, "scores": { "a": 88, "b": 61 } }, { "by": 15, "category": "ergonomics", "leads": "circle-wallets", "name": "Agent ergonomics", "reasons": { "a": "List responses can be sized with `pageSize` (default 10, max 50), but there's no field selection, and Circle's MCP server writes code rather than calling wallets (15 of 25). Cursor paging with `pageBefore` and `pageAfter` plus filters on list endpoints (18 of 20). Errors carry an integer code and a message, without documented recovery steps (12 of 20). A required UUID `idempotencyKey` on every mutating request (20). Official Node and Python SDKs and the Circle CLI, though every developer-controlled write needs a freshly encrypted entity secret (10 of 15).", "b": "The MCP server has 15 tools with about 4,700 characters of descriptions, the 11 to 30 band (15). The CLI path loads SKILL.md (26.5 KB) and one of 18 guides per task, about 112 KB in all, with no read-only subset (no add-back, 15 of 25). `card transactions` takes page, limit, type and a time range, refunds take limit and offset, `received-records` and `recent-transactions` take a limit up to 100, and `market search` can be scoped to models or vendors; no cursor (12 of 20). Errors carry a `code`, `retryable`, `reconnect_required` and a `next_command` or `next_tool`, and card errors map to recovery hints, but the CLI exits only 0 or 1 and the MCP payment tools return the wallet API's raw error body without `isError` (14 of 20). A required `payout_id` idempotency key, `--biz-id` dedup and `--request-id` continuation on card operations, and the skill says not to initiate again to retry a payment. No `readOnlyHint` or `destructiveHint` on any MCP tool (12 of 20). Base USDC is the default network and asset, mandates default to 8 hours and the CLI installs in one command, but there is no SDK library and both packages are TypeScript (7 of 15). Total 60." }, "scores": { "a": 75, "b": 60 } }, { "by": 13, "category": "security", "leads": "circle-wallets", "name": "Security \u0026 auth", "reasons": { "a": "API keys are split by testnet and mainnet and revocable in the Console, client keys are bound to a domain or app ID, and we found no permission scopes. Developer-controlled signing also needs a 32-byte entity secret that Circle never stores. Agent Wallets are 2-of-2 MPC with the user, and Circle says it can't move funds without the user (22 of 30). Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by a second email OTP, but mainnet only. Developer-controlled wallets have no spending caps, and the Compliance Engine's screening rules and allow and block lists are only for eligible customers who apply (15 of 20). Wallet responses carry on-chain token names and symbols that anyone can set, with no guidance on treating them as untrusted (8 of 15). Transaction history by API and webhook notifications (10 of 15). Circle's GitHub security policy routes reports to a HackerOne bug bounty (hackerone.com/circle-bbp), security.txt is 404 on circle.com, www.circle.com and developers.circle.com (the last two re-read on 1 November), and we found no SOC 2 or ISO statement on the pages we read (10 of 20). Sanctions screening on every Agent Wallet transfer.", "b": "The agent holds an Agent ID, a token whose validity the owner picks from 1 hour to 1 year at browser approval, and a short-lived RS256 JWT refreshed from the token; `token_revoked` exists. Credentials sit in a 0600 JSON file or environment variables. The token is not scoped, since limits live in mandates, and legacy `init` tokens are described as not expiring. Agent VCs are audience-bound and rejected by FluxA's own endpoints. No secret travels in a URL (22 of 30). Every x402 payment needs a mandate the owner signs, with a limit, a validity and an optional host allowlist enforced by the wallet API, payouts need per-payout approval unless a mandate covers them, cards need a mandate and KYC, and linked-card mandates are scoped to one merchant. A payout mandate sets no payee allowlist that was documented, and the skill tells agents to request budgets for at least 100 calls by default (16 of 20). The wallet returns little third-party content itself, but the skill sends agents to third-party x402 APIs, ClawPI posts and a remote announcement.md with no guidance on treating them as untrusted, its description steers agents to paid APIs even when a free web search looks enough, and the daily check-in runs `npx -y @fluxa-pay/fluxa-wallet@latest` unpinned twice a day (4 of 15). `mandates` lists limit, spent and remaining, with `recent-transactions`, `received-records` and payout status by CLI, and the MCP server writes a local audit log; the wallet app's logs were not read (10 of 15). No SECURITY.md, disclosure policy, bug bounty or certification was found, and agentmarket.fluxapay.xyz has no security.txt; fluxapay.xyz's is unchecked (0 of 20). Total 52." }, "scores": { "a": 65, "b": 52 } } ], "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Circle", "b": "FluxA Technology Pte. Ltd.", "name": "Vendor" }, { "a": "https://api.circle.com/v1/w3s", "b": "https://walletapi.fluxapay.xyz", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP, stdio", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Freemium", "b": "Pay per use", "name": "Pricing" }, { "a": "payer tooling only", "b": "payer tooling only", "name": "x402" }, { "a": "none", "b": "The CLI and MCP server source is Apache-2.0 (LICENSE file and both package.json files), though the README's last section says MIT. The hosted wallet service is closed, and no terms covering the wallet were found", "name": "Licence" }, { "a": "none", "b": "15", "name": "Tools exposed" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-10-14", "b": "2026-11-06", "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": "not read yet", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not read yet", "name": "Terms restrict automated access" }, { "a": "yes", "b": "not read yet", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "not read yet", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "not read yet", "name": "Arbitration or class-action waiver" }, { "a": "17k npm/wk, 1.1k PyPI/wk", "b": "none", "name": "Popularity" }, { "a": "3.1/5 (8)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 72.4 (BB) on agent readiness against FluxA AI Wallet's 47 (D), and leads in every scored category.", "question": "Which is better for AI agents, Circle Wallets (Agent Wallets, Programmable Wallets) or FluxA AI Wallet?" }, { "answer": "Both take an API key or an OAuth sign-in.", "question": "Do Circle Wallets (Agent Wallets, Programmable Wallets) and FluxA AI Wallet need an API key?" }, { "answer": "Yes. Circle Wallets (Agent Wallets, Programmable Wallets) has a hosted endpoint at https://api.circle.com/v1/w3s and FluxA AI Wallet at https://walletapi.fluxapay.xyz.", "question": "Can an agent call Circle Wallets (Agent Wallets, Programmable Wallets) and FluxA AI Wallet without installing anything?" }, { "answer": "No open-source release is listed for Circle Wallets (Agent Wallets, Programmable Wallets). FluxA AI Wallet is open source (The CLI and MCP server source is Apache-2.0 (LICENSE file and both package.json files), though the README's last section says MIT. The hosted wallet service is closed, and no terms covering the wallet were found).", "question": "Are Circle Wallets (Agent Wallets, Programmable Wallets) and FluxA AI Wallet open source?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 60 against 20", "Schema \u0026 documentation, 88 against 61", "Agent ergonomics, 75 against 60", "Security \u0026 auth, 65 against 52", "Payments \u0026 pricing, 75 against 45", "Maintenance \u0026 community, 77 against 66", "Transparency \u0026 trust, 73 against 32" ], "also": [ "Agent-ready, a grade of BB or better" ], "goodFor": "An agent that should hold and spend USDC under limits a person sets and confirms, especially for x402 nanopayments, and for builders who want custodial-grade wallet APIs with their own controls.", "slug": "circle-wallets", "watchFor": "Developer-controlled wallets have no built-in spending caps; Compliance Engine rules need an application" }, { "aheadOn": null, "also": [ "Runs on your own machine", "Open source" ], "goodFor": "An agent in a CLI-capable client that needs to pay x402 APIs, send USDC on Base or receive payments through links, inside budgets a person signs.", "slug": "fluxa-ai-wallet", "watchFor": "The published MCP package is 0.2.0 from 2 March 2026 with 13 tools, while the repository says 0.6.0 with 15" } ], "history": { "circle-wallets": [ { "causes": [ "evidence" ], "date": "2026-10-27", "delta": 0.1, "from": 72.3, "fromGrade": "BB", "to": 72.4, "toGrade": "BB" }, { "causes": [ "reliability" ], "date": "2026-10-17", "delta": -1.6, "from": 73.9, "fromGrade": "BB", "to": 72.3, "toGrade": "BB" }, { "causes": [ "method" ], "date": "2026-10-08", "delta": -0.2, "from": 74.1, "fromGrade": "BB", "to": 73.9, "toGrade": "BB" } ], "fluxa-ai-wallet": null }, "job": { "capability": "wallet.onchain", "name": "Onchain wallets" }, "others": [ { "json": "https://www.anchorterminal.com/compare/agentcard-vs-fluxa-ai-wallet.json", "title": "Agentcard vs FluxA AI Wallet", "url": "https://www.anchorterminal.com/compare/agentcard-vs-fluxa-ai-wallet" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-coinbase-cdp-agentkit.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-coinbase-cdp-agentkit" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Kite Agent Passport", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-openfort.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Openfort", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-openfort" }, { "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-privy.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Privy Wallets (server wallets, agent wallets, policy engine)", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-privy" }, { "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/circle-wallets-vs-turnkey-agentic-wallets.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets" }, { "json": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-fluxa-ai-wallet.json", "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs FluxA AI Wallet", "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-fluxa-ai-wallet" }, { "json": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-fluxa-ai-wallet.json", "title": "Circle Gateway Nanopayments vs FluxA AI Wallet", "url": "https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-fluxa-ai-wallet" }, { "json": "https://www.anchorterminal.com/compare/fluxa-agentmarket-vs-fluxa-ai-wallet.json", "title": "FluxA AgentMarket vs FluxA AI Wallet", "url": "https://www.anchorterminal.com/compare/fluxa-agentmarket-vs-fluxa-ai-wallet" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-kite-agent-passport.json", "title": "FluxA AI Wallet vs Kite Agent Passport", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-kite-agent-passport" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-nevermined.json", "title": "FluxA AI Wallet vs Nevermined API + MCP", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-nevermined" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-openfort.json", "title": "FluxA AI Wallet vs Openfort", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-openfort" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-payman.json", "title": "FluxA AI Wallet vs Payman Genie MCP", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-payman" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-privy.json", "title": "FluxA AI Wallet vs Privy Wallets (server wallets, agent wallets, policy engine)", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-privy" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-sponge-wallet.json", "title": "FluxA AI Wallet vs Sponge Wallet", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-sponge-wallet" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-turnkey-agentic-wallets.json", "title": "FluxA AI Wallet vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/fluxa-ai-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/circle-wallets-vs-self-agent-vault.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Agent Vault by Self", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-self-agent-vault" }, { "json": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-self-agent-vault.json", "title": "FluxA AI Wallet vs Agent Vault by Self", "url": "https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-self-agent-vault" } ], "panel": null, "scores": [ { "by": 40, "circle-wallets": 60, "edge": "circle-wallets", "fluxa-ai-wallet": 20, "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 27, "circle-wallets": 88, "edge": "circle-wallets", "fluxa-ai-wallet": 61, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "by": 15, "circle-wallets": 75, "edge": "circle-wallets", "fluxa-ai-wallet": 60, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "by": 13, "circle-wallets": 65, "edge": "circle-wallets", "fluxa-ai-wallet": 52, "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "by": 30, "circle-wallets": 75, "edge": "circle-wallets", "fluxa-ai-wallet": 45, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 11, "circle-wallets": 77, "edge": "circle-wallets", "fluxa-ai-wallet": 66, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "by": 41, "circle-wallets": 73, "edge": "circle-wallets", "fluxa-ai-wallet": 32, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 72.4 (BB) on agent readiness against FluxA AI Wallet's 47 (D), and leads in every scored category. Both do onchain wallets.", "tasks": null, "tutorials": [ { "title": "Inspect an agent wallet on Circle testnet", "tool": "circle-wallets", "url": "https://www.anchorterminal.com/tutorials/circle-wallets/" } ], "verdicts": { "circle-wallets": "Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by email OTP. Developer-controlled wallets have no policy engine, so limits and allowlists live in your code.", "fluxa-ai-wallet": "Every spend runs against a mandate the owner signs in a browser, with a budget, a validity window and an optional host allowlist, and payouts need approval or a mandate. The published MCP package is 0.2.0 from March 2026 against 0.6.0 in the repository, and no status page, fee schedule, wallet terms or custody statement was found." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet", "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.md", "mcp": "https://www.anchorterminal.com/mcp", "slim": "https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.min.md" }, "markdown": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 72.4 (BB) on agent readiness against FluxA AI Wallet's 47 (D), and leads in every scored category. Both do onchain wallets.\n\n- Circle Wallets (Agent Wallets, Programmable Wallets): grade BB, 72.4/100, rank #127 of 1513. Markdown https://www.anchorterminal.com/tools/circle-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/circle-wallets.json\n- FluxA AI Wallet: grade D, 47/100, rank #1164 of 1513. Markdown https://www.anchorterminal.com/tools/fluxa-ai-wallet.md · JSON https://www.anchorterminal.com/api/v1/tools/fluxa-ai-wallet.json\n- Best agent wallets and spending controls: https://www.anchorterminal.com/best/agent-wallets/index.md\n- All 77 wallets comparisons: https://www.anchorterminal.com/compare/agent-wallets/index.md\n\n## Which one, for what\n\n### Circle Wallets (Agent Wallets, Programmable Wallets) (BB)\n\nGood for: An agent that should hold and spend USDC under limits a person sets and confirms, especially for x402 nanopayments, and for builders who want custodial-grade wallet APIs with their own controls.\n\nAhead on:\n- Reliability, 60 against 20\n- Schema \u0026 documentation, 88 against 61\n- Agent ergonomics, 75 against 60\n- Security \u0026 auth, 65 against 52\n- Payments \u0026 pricing, 75 against 45\n- Maintenance \u0026 community, 77 against 66\n- Transparency \u0026 trust, 73 against 32\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n\nWatch for: Developer-controlled wallets have no built-in spending caps; Compliance Engine rules need an application\n\n### FluxA AI Wallet (D)\n\nGood for: An agent in a CLI-capable client that needs to pay x402 APIs, send USDC on Base or receive payments through links, inside budgets a person signs.\n\nAlso in its favour:\n- Runs on your own machine\n- Open source\n\nWatch for: The published MCP package is 0.2.0 from 2 March 2026 with 13 tools, while the repository says 0.6.0 with 15\n\n\n## Why the edge\n\n### Transparency \u0026 trust: Circle Wallets (Agent Wallets, Programmable Wallets) +41\n\n- Circle Wallets (Agent Wallets, Programmable Wallets) (73): Closed service under published developer terms; the CLI is Apache-2.0 on npm with no public repository (15 of 30). The privacy policy, still dated 16 September 2026 on 1 November, names Circle Internet Financial, LLC as controller, links a subprocessor list and relies on SCCs, but states no retention periods, only that data is kept as long as necessary (18 of 30). Kit keys are deprecated with no end-of-life date, and the end of USDC and CCTP V1 on Noble was announced on 10 September for a phased start on 13 October 2026, per the 17 October check (12 of 20). Subprocessor list linked; data may be processed \"in any country where we do business\" (14 of 20).\n- FluxA AI Wallet (32): The CLI and MCP server source is Apache-2.0 per the LICENSE file and both package.json files, while the README's last section says MIT. The hosted wallet is closed, and no terms covering it were found. AgentMarket's terms describe only the marketplace (15 of 30). AgentMarket's privacy policy of 14 January 2026 names Stripe and model providers and gives no retention periods, and it does not mention wallet addresses, KYC profiles, card data or payouts, which the CLI collects or handles. The wallet's own privacy policy was unreachable (5 of 30). The README marks `init` and `link-wallet` as legacy but still supported, and the skill pins a minimum CLI version; no deprecation policy or dated notice was found (3 of 20). Stripe is the only provider named; no card issuer, KYC provider, custody provider or data location is named. The CLI and MCP code send no telemetry (3 of 20). Total 26.\n\n### Reliability: Circle Wallets (Agent Wallets, Programmable Wallets) +40\n\n- Circle Wallets (Agent Wallets, Programmable Wallets) (60): Statuspage at status.circle.com with components (20). The incidents API is disallowed to crawlers, but the history page carries its incident list in the page itself, and its two pages, read on 1 November, cover June to 31 October 2026, so the whole 90 days from 3 August is readable. On 8 October Modular Wallets were paused on every production network and their test networks from 16:47 to 21:56 UTC (about 5 hours), marked critical, and Circle's paymaster for Modular Wallets stayed paused until 10 October 03:39 UTC (about 30 more hours). Web3 Services webhook delivery, including the Programmable Wallets console component, was down from 22 September 17:52 to 24 September 21:00 UTC (about 51 hours), marked major. Programmable Wallets were degraded on Arc on 18 September for about 15 minutes. On 22 August Programmable Wallets had delays across multiple networks from 02:48 to 10:28 UTC, marked critical, where the page says some customers may see slower confirmations or partial unavailability, so it reads as partial and minor, as this run reads partial incidents however long they run. The rest of the window is USDC, CCTP and xReserve delays on single networks and testnets, none naming Wallets. The incidents posted from 17 October to 31 October are USDC mint, burn and send delays on single networks (Injective, Cronos, X Layer, Morph, ZKsync), CCTP attestation delays and xReserve delays, none naming Wallets. The Modular Wallets pause is one major outage of a core API (10). The 6 October check read the webhook outage as partway to a second major (5 off the minor-only 20), and the same reading here takes the line to 5 of 30. A stricter reading counting it as a full second major would give 0. 20 GET and 5 POST requests a second by default, 10 a second for wallet creation, fee estimates and signing, on the Wallets API rate-limits page (15). Every mutating request takes a UUID `idempotencyKey` so a retried write runs once, and the rate-limits page says an over-limit call gets 429 and to cache static values, but there's no Retry-After or backoff guidance (10 of 15). No SLA found (0). The Wallets API is generally available and Agent Wallets launched on 11 May 2026 with no beta label, CLI 1.0.0 on 13 August (10).\n- FluxA AI Wallet (20): Graded with the hosted lines, because signing, mandates and approvals all run on FluxA's wallet API and the CLI and MCP server only wrap it, as kite-agent-passport and kane-cli were read. No status page was found in the repository, the skills or AgentMarket's pages. fluxapay.xyz and the wallet and docs hosts could not be read, so a status page there is unchecked and scored absent (0). With no readable history the record takes the default (5). No rate limit with numbers was found (0). The connection service treats 429 `slow_down` as wait and poll and marks errors `retryable`, the skill says a 503 means retry shortly, payouts require a caller-chosen `payout_id` that returns the existing payout on a repeat, `--biz-id` rejects a duplicate with 409, and card create and recharge resume with `--request-id` instead of paying again. No Retry-After or backoff schedule is documented for the wallet API (10 of 15). No SLA was found (0). No beta label was found on the wallet in what was read, but both packages are at 0.x, agent cards sit behind a waitlist and the wallet site was unread (5 of 10). Total 20.\n\n### Payments \u0026 pricing: Circle Wallets (Agent Wallets, Programmable Wallets) +30\n\n- Circle Wallets (Agent Wallets, Programmable Wallets) (75): Payment platforms and wallets take the highest step that applies on the 40-point protocol line. 40 for x402, MPP or L402 on all their own endpoints, 30 on part of their own API, 25 when their merchants can accept one, 20 for running a facilitator, 15 for paying as a buyer, 0 for only a protocol of their own. Circle has run a hosted x402 facilitator on Arc, Base and Polygon PoS since 16 September 2026, the facilitator step (20 of 40). Agent Wallets also pay x402 services through Agent Nanopayments, and the Wallets API isn't paid per call over x402. Per-wallet fees published, 1,000 monthly active wallets free then $0.05 down to $0.02 per wallet, per the 30 September check (the fee schedule page renders in JavaScript, not re-read on 6 October); the Agent Wallet fee page, re-read on 6 October, lists sponsored gas, 2 bps swaps, a $0.05 bridge forwarding fee and 0.5 bps crosschain x402 (20). The free tier needs no card per the 30 September check (20). The CLI has a non-interactive email OTP sign-in for agents, so an agent with its own mailbox can get a wallet without a browser; the Wallets API needs a Console account (15 of 20).\n- FluxA AI Wallet (45): Payment platforms and wallets take the highest step that applies on the 40-point protocol line. 40 for x402, MPP or L402 on all their own endpoints, 30 on part of their own API, 25 when their merchants can accept one, 20 for running a facilitator, 15 for paying as a buyer, 0 for only a protocol of their own. The wallet pays x402 as a buyer and its payment links can be paid over x402 so another agent pays the holder, as sponge-wallet's payment links were read. FluxA's own wallet API is not paid over x402, so the merchant step (25 of 40). No fee schedule for the wallet, x402 signing, payouts or payment links was found, and card fees appear only through an authenticated command (0 of 20). Registering an Agent ID and creating payment links cost nothing and need no card per the README and the charge-agent guide, but the wallet sign-up at agentwallet.fluxapay.xyz could not be read, so whether opening a funded wallet needs a card is unchecked (10 of 20). `POST https://agentid.fluxapay.xyz/register` returns credentials with no human step, but the CLI marks it legacy, the default connection needs a browser approval, and every spend needs the owner's wallet and a mandate signed in a browser (10 of 20). Total 45.\n\n### Schema \u0026 documentation: Circle Wallets (Agent Wallets, Programmable Wallets) +27\n\n- Circle Wallets (Agent Wallets, Programmable Wallets) (88): Public OpenAPI file for developer-controlled wallets, 29 paths (25). llms.txt with 250+ links and a Markdown twin for every docs page (10). Reference descriptions say what each endpoint does, but rarely when not to use it (15 of 20). Typed fields with enums and required flags, `pageSize` capped at 50, and `entitySecretCiphertext` marked required on writes (13 of 15). Examples in the reference and a `{code, message}` error shape, but llms.txt lists error-code tables only for CPN and the user-controlled SDK, none for the Wallets API (10 of 15). `/v1` paths and release notes per product and year (15).\n- FluxA AI Wallet (61): No OpenAPI file or reference for the wallet API was found; the README shows sample requests for five endpoints. The MCP server's 15 tools in the 0.6.0 source carry typed Zod input schemas, and the CLI's flags are documented in prose in the skill files and `--help`. The MCP server is the secondary surface and its npm release is 0.2.0, so 12 of 25. The skill and its 18 Markdown guides are written for agents, and AgentMarket's llms.txt describes the wallet's payment role (10). `connect_wallet`, `init_agent_id` and `create_intent_mandate` say when to use them and when not to, and the skill has a when-to-use table per capability, while the payment-link and status tools have one-line descriptions (12 of 20). Zod enums for validity, runtime, hosting and currency, a regex on payout amounts and strict objects, but the x402 requirement fields are plain strings and `outputSchema` is a free-form record (10 of 15). The README has an example for every MCP tool, the skills give CLI examples and output, and error codes are tabled for mandates, payouts, cards and connections (12 of 15). Semver on npm with 25 CLI versions and a version line in the skill, two git tags and no changelog (5 of 15). Total 61.\n\n### Agent ergonomics: Circle Wallets (Agent Wallets, Programmable Wallets) +15\n\n- Circle Wallets (Agent Wallets, Programmable Wallets) (75): List responses can be sized with `pageSize` (default 10, max 50), but there's no field selection, and Circle's MCP server writes code rather than calling wallets (15 of 25). Cursor paging with `pageBefore` and `pageAfter` plus filters on list endpoints (18 of 20). Errors carry an integer code and a message, without documented recovery steps (12 of 20). A required UUID `idempotencyKey` on every mutating request (20). Official Node and Python SDKs and the Circle CLI, though every developer-controlled write needs a freshly encrypted entity secret (10 of 15).\n- FluxA AI Wallet (60): The MCP server has 15 tools with about 4,700 characters of descriptions, the 11 to 30 band (15). The CLI path loads SKILL.md (26.5 KB) and one of 18 guides per task, about 112 KB in all, with no read-only subset (no add-back, 15 of 25). `card transactions` takes page, limit, type and a time range, refunds take limit and offset, `received-records` and `recent-transactions` take a limit up to 100, and `market search` can be scoped to models or vendors; no cursor (12 of 20). Errors carry a `code`, `retryable`, `reconnect_required` and a `next_command` or `next_tool`, and card errors map to recovery hints, but the CLI exits only 0 or 1 and the MCP payment tools return the wallet API's raw error body without `isError` (14 of 20). A required `payout_id` idempotency key, `--biz-id` dedup and `--request-id` continuation on card operations, and the skill says not to initiate again to retry a payment. No `readOnlyHint` or `destructiveHint` on any MCP tool (12 of 20). Base USDC is the default network and asset, mandates default to 8 hours and the CLI installs in one command, but there is no SDK library and both packages are TypeScript (7 of 15). Total 60.\n\n### Security \u0026 auth: Circle Wallets (Agent Wallets, Programmable Wallets) +13\n\n- Circle Wallets (Agent Wallets, Programmable Wallets) (65): API keys are split by testnet and mainnet and revocable in the Console, client keys are bound to a domain or app ID, and we found no permission scopes. Developer-controlled signing also needs a 32-byte entity secret that Circle never stores. Agent Wallets are 2-of-2 MPC with the user, and Circle says it can't move funds without the user (22 of 30). Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by a second email OTP, but mainnet only. Developer-controlled wallets have no spending caps, and the Compliance Engine's screening rules and allow and block lists are only for eligible customers who apply (15 of 20). Wallet responses carry on-chain token names and symbols that anyone can set, with no guidance on treating them as untrusted (8 of 15). Transaction history by API and webhook notifications (10 of 15). Circle's GitHub security policy routes reports to a HackerOne bug bounty (hackerone.com/circle-bbp), security.txt is 404 on circle.com, www.circle.com and developers.circle.com (the last two re-read on 1 November), and we found no SOC 2 or ISO statement on the pages we read (10 of 20). Sanctions screening on every Agent Wallet transfer.\n- FluxA AI Wallet (52): The agent holds an Agent ID, a token whose validity the owner picks from 1 hour to 1 year at browser approval, and a short-lived RS256 JWT refreshed from the token; `token_revoked` exists. Credentials sit in a 0600 JSON file or environment variables. The token is not scoped, since limits live in mandates, and legacy `init` tokens are described as not expiring. Agent VCs are audience-bound and rejected by FluxA's own endpoints. No secret travels in a URL (22 of 30). Every x402 payment needs a mandate the owner signs, with a limit, a validity and an optional host allowlist enforced by the wallet API, payouts need per-payout approval unless a mandate covers them, cards need a mandate and KYC, and linked-card mandates are scoped to one merchant. A payout mandate sets no payee allowlist that was documented, and the skill tells agents to request budgets for at least 100 calls by default (16 of 20). The wallet returns little third-party content itself, but the skill sends agents to third-party x402 APIs, ClawPI posts and a remote announcement.md with no guidance on treating them as untrusted, its description steers agents to paid APIs even when a free web search looks enough, and the daily check-in runs `npx -y @fluxa-pay/fluxa-wallet@latest` unpinned twice a day (4 of 15). `mandates` lists limit, spent and remaining, with `recent-transactions`, `received-records` and payout status by CLI, and the MCP server writes a local audit log; the wallet app's logs were not read (10 of 15). No SECURITY.md, disclosure policy, bug bounty or certification was found, and agentmarket.fluxapay.xyz has no security.txt; fluxapay.xyz's is unchecked (0 of 20). Total 52.\n\n## Score by category\n\n| Category | Weight | Circle Wallets (Agent Wallets, Programmable Wallets) | FluxA AI Wallet | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 60 | 20 | Circle Wallets (Agent Wallets, Programmable Wallets) +40 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 88 | 61 | Circle Wallets (Agent Wallets, Programmable Wallets) +27 |\n| Agent ergonomics | 13% (16.2 this run) | 75 | 60 | Circle Wallets (Agent Wallets, Programmable Wallets) +15 |\n| Security \u0026 auth | 14% (17.5 this run) | 65 | 52 | Circle Wallets (Agent Wallets, Programmable Wallets) +13 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 75 | 45 | Circle Wallets (Agent Wallets, Programmable Wallets) +30 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 77 | 66 | Circle Wallets (Agent Wallets, Programmable Wallets) +11 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 73 | 32 | Circle Wallets (Agent Wallets, Programmable Wallets) +41 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **72.4 · BB** | **47 · D** | |\n\n## Facts side by side\n\n| Fact | Circle Wallets (Agent Wallets, Programmable Wallets) | FluxA AI Wallet |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Circle | FluxA Technology Pte. Ltd. |\n| Hosted endpoint | `https://api.circle.com/v1/w3s` | `https://walletapi.fluxapay.xyz` |\n| Transports | HTTP, Streamable HTTP | HTTP, stdio |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Pay per use |\n| x402 | payer tooling only | payer tooling only |\n| Licence | none | The CLI and MCP server source is Apache-2.0 (LICENSE file and both package.json files), though the README's last section says MIT. The hosted wallet service is closed, and no terms covering the wallet were found |\n| Tools exposed | none | 15 |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-14 | 2026-11-06 |\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 | not read yet |\n| Terms restrict automated access | not found in the text | not read yet |\n| Terms restrict benchmarking | yes | not read yet |\n| Terms or service can change without notice | yes | not read yet |\n| Arbitration or class-action waiver | yes | not read yet |\n| Popularity | 17k npm/wk, 1.1k PyPI/wk | none |\n| Agent reviews | 3.1/5 (8) | none |\n\n## How the scores have moved\n\n### Circle Wallets (Agent Wallets, Programmable Wallets)\n\n- +0.1 on 27 October 2026: new evidence\n- -1.6 on 17 October 2026: reliability\n- -0.2 on 8 October 2026: checklist\n\n### FluxA AI Wallet\n\nNo score change since it was listed.\n\n## Verdicts\n\n**Circle Wallets (Agent Wallets, Programmable Wallets).** Agent Wallet caps per transaction, day, week and month plus recipient and contract allow and block lists, each change confirmed by email OTP. Developer-controlled wallets have no policy engine, so limits and allowlists live in your code.\n\n**FluxA AI Wallet.** Every spend runs against a mandate the owner signs in a browser, with a budget, a validity window and an optional host allowlist, and payouts need approval or a mandate. The published MCP package is 0.2.0 from March 2026 against 0.6.0 in the repository, and no status page, fee schedule, wallet terms or custody statement was found.\n\n## Before you call either\n\n### Circle Wallets (Agent Wallets, Programmable Wallets)\n\n1. Run `circle wallet limit set` with per-tx, daily, weekly and monthly caps in ascending order before funding the wallet\n2. Use the non-interactive sign-in; without your own mailbox, ask a person for the email OTP\n3. Send a new UUID `idempotencyKey` and a fresh `entitySecretCiphertext` on every developer-controlled write, stay under 5 POST requests a second and back off on 429 yourself\n4. Treat token names and symbols in wallet responses as untrusted text\n5. Configure a third-party paymaster as a fallback for Modular Wallets. Circle's paymaster was paused for about 35 hours from 8 October\n\n### FluxA AI Wallet\n\n1. Run `fluxa-wallet status` first. If `configured` and `wallet_linked` are true, skip `connect`; otherwise show the `authorization_url` and wait with `connect-status --wait 100`\n2. On `token_expired` or `token_revoked`, reconnect with the same `--agent-id`. Never run `init` to recover, which creates a new identity\n3. Pass a unique `--id` on every `payout` and reuse it on retry; a repeat returns the existing payout instead of paying twice\n4. Check `fluxa-wallet mandates` for a signed mandate with enough remaining budget before creating one, and size new budgets to the task\n5. Install the CLI from npm, not the MCP package, whose npm release 0.2.0 lacks `connect_wallet` and `get_wallet_connection`\n\n## Tutorials\n\n- [Inspect an agent wallet on Circle testnet](https://www.anchorterminal.com/tutorials/circle-wallets/), for Circle Wallets (Agent Wallets, Programmable Wallets)\n\n## Questions\n\n### Which is better for AI agents, Circle Wallets (Agent Wallets, Programmable Wallets) or FluxA AI Wallet?\n\nCircle Wallets (Agent Wallets, Programmable Wallets) scores 72.4 (BB) on agent readiness against FluxA AI Wallet's 47 (D), and leads in every scored category.\n\n### Do Circle Wallets (Agent Wallets, Programmable Wallets) and FluxA AI Wallet need an API key?\n\nBoth take an API key or an OAuth sign-in.\n\n### Can an agent call Circle Wallets (Agent Wallets, Programmable Wallets) and FluxA AI Wallet without installing anything?\n\nYes. Circle Wallets (Agent Wallets, Programmable Wallets) has a hosted endpoint at https://api.circle.com/v1/w3s and FluxA AI Wallet at https://walletapi.fluxapay.xyz.\n\n### Are Circle Wallets (Agent Wallets, Programmable Wallets) and FluxA AI Wallet open source?\n\nNo open-source release is listed for Circle Wallets (Agent Wallets, Programmable Wallets). FluxA AI Wallet is open source (The CLI and MCP server source is Apache-2.0 (LICENSE file and both package.json files), though the README's last section says MIT. The hosted wallet service is closed, and no terms covering the wallet were found).\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.json, and with the fewest tokens: https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"circle-wallets\", \"b\": \"fluxa-ai-wallet\"}`. From a terminal: `anchor compare circle-wallets fluxa-ai-wallet`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/circle-wallets.json and https://www.anchorterminal.com/api/v1/tools/fluxa-ai-wallet.json\n\n## Other comparisons with Circle Wallets (Agent Wallets, Programmable Wallets) or FluxA AI Wallet\n\n- [Agentcard vs FluxA AI Wallet](https://www.anchorterminal.com/compare/agentcard-vs-fluxa-ai-wallet.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP)](https://www.anchorterminal.com/compare/circle-wallets-vs-coinbase-cdp-agentkit.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Kite Agent Passport](https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Openfort](https://www.anchorterminal.com/compare/circle-wallets-vs-openfort.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/circle-wallets-vs-privy.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet](https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.md)\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.md)\n- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs FluxA AI Wallet](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-fluxa-ai-wallet.md)\n- [Circle Gateway Nanopayments vs FluxA AI Wallet](https://www.anchorterminal.com/compare/circle-gateway-nanopayments-vs-fluxa-ai-wallet.md)\n- [FluxA AgentMarket vs FluxA AI Wallet](https://www.anchorterminal.com/compare/fluxa-agentmarket-vs-fluxa-ai-wallet.md)\n- [FluxA AI Wallet vs Kite Agent Passport](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-kite-agent-passport.md)\n- [FluxA AI Wallet vs Nevermined API + MCP](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-nevermined.md)\n- [FluxA AI Wallet vs Openfort](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-openfort.md)\n- [FluxA AI Wallet vs Payman Genie MCP](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-payman.md)\n- [FluxA AI Wallet vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-privy.md)\n- [FluxA AI Wallet vs Sponge Wallet](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-sponge-wallet.md)\n- [FluxA AI Wallet vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/fluxa-ai-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- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Agent Vault by Self](https://www.anchorterminal.com/compare/circle-wallets-vs-self-agent-vault.md)\n- [FluxA AI Wallet vs Agent Vault by Self](https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-self-agent-vault.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "attributionRequired": true, "credit": "CC BY 4.0, credit Anchor Terminal and link the page or API address you took it from (https://www.anchorterminal.com/terms/#data)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-11-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.7", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run", "terms": "https://www.anchorterminal.com/terms/#data" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Circle Wallets (Agent Wallets, Programmable Wallets) vs FluxA AI Wallet", "url": "" } ], "description": "Circle Wallets scores 72.4 (BB) to FluxA AI Wallet's 47 (D) for onchain wallets. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Circle Wallets (Agent Wallets, Programmable Wallets) BB 72.4", "FluxA AI Wallet D 47", "scores" ], "h1": "Circle Wallets (Agent Wallets, Programmable Wallets) vs FluxA AI Wallet", "image": "https://www.anchorterminal.com/assets/og/default.png", "path": "/compare/circle-wallets-vs-fluxa-ai-wallet", "published": "2026-10-01", "section": "tools", "title": "Circle Wallets vs FluxA AI Wallet for AI agents (2026)", "toc": null, "updated": "2026-11-07", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet" }, "tokens": { "markdown": 6750, "slim": 1430 }, "version": 1 }