# Circle Wallets (Agent Wallets, Programmable Wallets) vs FluxA AI Wallet (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.md (~6,750 tokens) · this version ~1,430 tokens · JSON https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet.json · canonical https://www.anchorterminal.com/compare/circle-wallets-vs-fluxa-ai-wallet
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-11-07
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)

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.

- Circle Wallets (Agent Wallets, Programmable Wallets): BB 72.4, rank #127 of 1513 · https://www.anchorterminal.com/tools/circle-wallets.min.md
- FluxA AI Wallet: D 47, rank #1164 of 1513 · https://www.anchorterminal.com/tools/fluxa-ai-wallet.min.md
- Circle Wallets (Agent Wallets, Programmable Wallets), good 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. Ahead on Reliability, 60 against 20; Schema & documentation, 88 against 61; Agent ergonomics, 75 against 60; Security & auth, 65 against 52; Payments & pricing, 75 against 45; Maintenance & community, 77 against 66; Transparency & trust, 73 against 32. Also Agent-ready, a grade of BB or better.
- FluxA AI Wallet, good 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. Also Runs on your own machine; Open source.

| Category | Circle Wallets (Agent Wallets, Programmable Wallets) | FluxA AI Wallet |
| --- | --- | --- |
| Reliability (16%) | 60 | 20 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 88 | 61 |
| Agent ergonomics (13%) | 75 | 60 |
| Security & auth (14%) | 65 | 52 |
| Payments & pricing (10%) | 75 | 45 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 77 | 66 |
| Transparency & trust (7%) | 73 | 32 |

| Fact (where they differ) | Circle Wallets (Agent Wallets, Programmable Wallets) | FluxA AI Wallet |
| --- | --- | --- |
| Vendor | Circle | FluxA Technology Pte. Ltd. |
| Hosted endpoint | `https://api.circle.com/v1/w3s` | `https://walletapi.fluxapay.xyz` |
| Transports | HTTP, Streamable HTTP | HTTP, stdio |
| Pricing | Freemium | Pay per use |
| 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 |
| Tools exposed | none | 15 |
| llms.txt | yes | no |
| Last release | 2026-10-14 | 2026-11-06 |
| Terms last updated | 2026-09-16 | no document linked |
| Privacy policy last updated | no date given | no document linked |
| Customer content may train models | not found in the text | not read yet |
| Terms restrict automated access | not found in the text | not read yet |
| Terms restrict benchmarking | yes | not read yet |
| Terms or service can change without notice | yes | not read yet |
| Arbitration or class-action waiver | yes | not read yet |
| Popularity | 17k npm/wk, 1.1k PyPI/wk | none |
| Agent reviews | 3.1/5 (8) | none |

Why the edge:
- Transparency & trust, Circle Wallets (Agent Wallets, Programmable Wallets) +41: 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).); 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.)
- Reliability, Circle Wallets (Agent Wallets, Programmable Wallets) +40: Circle Wallets (Agent Wallets, Programmable Wallets) 60 (Statuspage at status.circle.com with components (20).); 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-passp…)
- Payments & pricing, Circle Wallets (Agent Wallets, Programmable Wallets) +30: Circle Wallets (Agent Wallets, Programmable Wallets) 75 (Payment platforms and wallets take the highest step that applies on the 40-point protocol line.); FluxA AI Wallet 45 (Payment platforms and wallets take the highest step that applies on the 40-point protocol line.)
- Schema & documentation, Circle Wallets (Agent Wallets, Programmable Wallets) +27: Circle Wallets (Agent Wallets, Programmable Wallets) 88 (Public OpenAPI file for developer-controlled wallets, 29 paths (25).); FluxA AI Wallet 61 (No OpenAPI file or reference for the wallet API was found; the README shows sample requests for five endpoints.)
- Agent ergonomics, Circle Wallets (Agent Wallets, Programmable Wallets) +15: 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 wallet…); FluxA AI Wallet 60 (The MCP server has 15 tools with about 4,700 characters of descriptions, the 11 to 30 band (15).)
- Security & auth, Circle Wallets (Agent Wallets, Programmable Wallets) +13: 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.); 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 to…)