{ "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", "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": "2026-09-22", "graded": true, "anchor": { "graded": true, "score": 73.9, "grade": "BB", "agentReady": true, "rank": 80, "ranked": true, "rankOf": 961, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 77, "payments": 75, "reliability": 68, "schema": 88, "security": 65, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "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 policy engine, so limits and allowlists live in your code", "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", "Webhook delivery for Web3 Services failed on 24 September 2026 for up to 48 hours", "No SLA, no security.txt and no 429 guidance found" ], "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", "Treat token names and symbols in wallet responses as untrusted text", "Stay under 5 POST requests a second on the Wallets API" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 8, "avgRating": 3.1, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "BB", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 73.9 } ], "editorialScores": { "ergonomics": 75, "maintenance": 77, "payments": 75, "reliability": 68, "schema": 88, "security": 65, "transparency": 59 }, "provenanceScore": 84 }, "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": "2026-09-30", "score": 84 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/circle-wallets.json", "live": { "slug": "circle-wallets", "probe": { "target": "https://api.circle.com/v1/w3s", "method": "get", "lastAt": "2026-10-11T02:46:21.280896313Z", "lastOk": true, "lastStatus": 404, "lastMs": 124, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 134, "p95ms24h": 218, "samples24h": 248, "samples30d": 2712, "days": [ { "date": "2026-09-30", "probes": 35, "ok": 35 }, { "date": "2026-10-01", "probes": 276, "ok": 276 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "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": 29, "ok": 29 } ] }, "vendorStatus": { "page": "https://status.circle.com", "indicator": "major", "summary": "Partial System Outage", "checkedAt": "2026-10-11T02:40:36.231768064Z" }, "versions": [ { "registry": "npm", "name": "@circle-fin/cli", "version": "1.2.1", "seenAt": "2026-10-10T17:39:06.784718762Z" }, { "registry": "npm", "name": "@circle-fin/developer-controlled-wallets", "version": "10.8.1", "seenAt": "2026-10-10T17:39:07.679949914Z" }, { "registry": "npm", "name": "@circle-fin/user-controlled-wallets", "version": "10.8.1", "seenAt": "2026-10-10T17:39:09.010448559Z" }, { "registry": "pypi", "name": "circle-developer-controlled-wallets", "version": "9.6.0", "released": "2026-05-29", "seenAt": "2026-10-10T17:39:10.987481519Z" } ], "npmWeekly": 705, "pypiWeekly": 1807, "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": "2026-10-10T14:03:47.893363058Z" }, "domain": { "domain": "circle.com", "registered": "1999-04-09", "source": "https://rdap.verisign.com/com/v1/domain/circle.com", "checkedAt": "2026-10-04T13:04:58.315165925Z" }, "pages": [ { "url": "https://developers.circle.com/release-notes/wallets-2026", "kind": "changelog", "status": 200, "checkedAt": "2026-10-10T18:59:56.216240739Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "9de00a1cf9ba" }, { "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" } ], "updatedAt": "2026-10-11T02:46:21.280896313Z" } }, "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in 6 of 7 scored categories. Kite Agent Passport leads on security \u0026 auth.", "b": { "slug": "kite-agent-passport", "name": "Kite Agent Passport", "vendor": "Kite AI", "vendorUrl": "https://gokite.ai", "kind": "platform", "category": "agent-wallets", "summary": "Kite Agent Passport gives an AI agent a funded USDC wallet and an identity, with spending sessions a person approves by passkey. Agents use it through the kpass CLI and a skills bundle to pay x402 and MPP services.", "url": "https://www.anchorterminal.com/tools/kite-agent-passport", "markdownUrl": "https://www.anchorterminal.com/tools/kite-agent-passport.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/kite-agent-passport.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/kite-agent-passport.json", "repo": "https://github.com/gokite-ai/passport-skills", "license": "Closed service under terms from Datalego Inc. dated 29 April 2026. The Passport Skills repository is MIT. The kpass CLI is distributed as binaries and its source repository is private.", "transports": [ "http" ], "packages": [], "auth": "mixed", "authNotes": "A person signs up by email (a verification link plus an 8-character code) and creates a passkey on the Passport dashboard. The agent then registers itself with `kpass agent:register` and requests spending sessions, each approved by the person with the passkey. Wallet sends, session approvals and passkey changes need a fresh passkey step-up. Returning logins use an emailed code. A hosted MCP endpoint with OAuth exists for ChatGPT and other MCP clients (changelog, 23 June 2026); its URL was not found in the reviewed docs.", "pricing": "usage", "pricingNotes": "No published fee schedule was found (checked 10 October 2026). The changelog says session preflight returns an estimate covering merchant fees, network gas and Passport's own service margin, shown before approval, without stating the margin. Merchants set their own prices. Account creation and sandbox test mode with a testnet faucet need no card. Fiat funding goes through Banxa with an ID check.", "priceSummary": "Pay per use", "where": "local", "x402": { "level": "partial", "evidence": "Passport pays third-party x402 services as a buyer (`kpass agent:session execute`, `--payment-approach x402_http`) and also pays MPP services, per the Service Provider Guide (https://docs.gokite.ai/kite-agent-passport/service-provider-guide). Passport's own backend is not paid over x402, MPP or L402, and Kite recommends the third-party Pieverse facilitator for Kite chain.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-10" }, "docsUrl": "https://docs.gokite.ai/kite-agent-passport", "llmsTxt": "https://docs.gokite.ai/llms.txt", "capabilities": [ "wallet.onchain", "wallet.spend-limits", "payments.x402", "payments.card", "auth.agent-identity" ], "tags": [ "hosted", "cli", "skills", "llms-txt", "wallet", "x402", "mpp", "stablecoins", "virtual-cards", "closed-source" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 51.5, "grade": "D", "agentReady": false, "rank": 755, "ranked": true, "rankOf": 961, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 68, "maintenance": 71, "payments": 35, "reliability": 35, "schema": 64, "security": 72, "transparency": 56 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-10" }, "negative": -5, "negativeNotes": [ "22 July 2026: Kite fixed a settlement-timing gap in agent-session payments, marked [security], that could allow repricing between detection and settlement. It is fixed and disclosed in the changelog, with no report of exploitation found, so -2 (https://docs.gokite.ai/changelog/2026/2026-07-22-release).", "8 July 2026: settlement moved to Base, replacing the treasury relay path, and mainnet agent wallets' USDC was bridged to Base. The release note asked integrations that assumed Kite settlement to update, with no earlier notice found, so -3 (https://docs.gokite.ai/changelog/2026/2026-07-08-release)." ], "verdict": "Spending sessions with per-transaction and total caps, a lifetime and passkey approval are enforced by the service, with step-up checks and an audit log. A person must sign up by email and create a passkey before an agent can pay. No published fee rate, OpenAPI file or Passport status page was found.", "bestFor": "Coding agents such as Claude Code or Codex that need to pay x402 or MPP services within budgets a person approves by passkey.", "strengths": [ "Each spending session has a per-transaction cap, a USD budget, a lifetime and a scope, approved by the person with a passkey", "Wallet sends, session approvals and passkey changes need an action-bound passkey step-up, and a step-up log and login history are readable", "Pays third-party x402 and MPP services as a buyer, with cross-chain routing across Base, Tempo and Solana since 8 July 2026", "The kpass CLI returns JSON with numbered exit codes, an `error_code` and a `hint`, and documents an idempotency key on paid executes", "Active releases: CLI bundle 83 on 7 October 2026 and twelve Passport Skills tags since 29 August 2026" ], "weaknesses": [ "A person signs up by email, clicks a verification link and creates a passkey in a browser before any agent can spend", "No fee rate is published. Passport's service margin appears only in a per-session estimate before approval", "The API reference is a placeholder and no OpenAPI file is published, so agents work through the CLI or the hosted MCP endpoint", "No status page covers the Passport backend, and no rate limit with numbers or SLA was found", "The kite-passport skill tells agents to use paid services before WebSearch or built-in tools, which can spend budget on tasks free tools could do" ], "agentNotes": [ "Run `kpass` with `--output json --no-interactive` and branch on the exit code and `error_code`. Exit 6 is a session policy breach, so request a new session rather than logging in again", "Pass `--idempotency-key` on every `kpass session execute` so a retry after a timeout does not pay twice", "Ask the person for a session with a small per-transaction cap and a short `--ttl`, and confirm the merchant URL before executing", "Use `kpass sandbox` test mode and the faucet to try a payment flow without real funds. Scoped cards are not available in sandbox", "Check the kite-passport skill's trigger rules before installing it, since it directs the agent to paid services ahead of free tools" ], "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": 51.5 } ], "editorialScores": { "ergonomics": 68, "maintenance": 71, "payments": 35, "reliability": 35, "schema": 64, "security": 72, "transparency": 47 }, "provenanceScore": 65 }, "connect": { "install": "curl -fsSL https://agentpassport.ai/install.sh | bash" }, "letme": { "capability": "https://letme.dev/wallet.onchain", "tool": "https://letme.dev/kite-agent-passport" }, "area": "payments", "provenance": { "legalEntity": "Datalego Inc.", "domain": "agentpassport.ai", "domainRegistered": "", "endpointOnVendorDomain": true, "terms": "https://agentpassport.ai/terms/", "privacy": "https://agentpassport.ai/privacy/", "statusPage": "", "changelog": "https://docs.gokite.ai/changelog/2026/2026-07-29-release", "securityTxt": "none", "checked": "2026-10-10", "notes": [ "The terms and privacy policy name Datalego Inc. as the operator of agentpassport.ai, and the privacy policy gives ops@gokite.ai for requests.", "status.gokite.ai covers the Kite website, explorer and RPC endpoints, not the Passport backend, so statusPage is empty.", "agentpassport.ai/.well-known/security.txt returns the site's HTML page and gokite.ai/.well-known/security.txt returns 404. SECURITY.md in the skills repository names security@kitepassport.com.", "The backend runs at passport.prod.gokite.ai, a Kite domain, per the skills repository." ], "score": 65 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/kite-agent-passport.json" }, "facts": [ { "a": "HTTP API", "b": "Platform", "name": "Kind" }, { "a": "Circle", "b": "Kite AI", "name": "Vendor" }, { "a": "https://api.circle.com/v1/w3s", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP", "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": "Closed service under terms from Datalego Inc. dated 29 April 2026. The Passport Skills repository is MIT. The kpass CLI is distributed as binaries and its source repository is private.", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-22", "b": "2026-10-07", "name": "Last release" }, { "a": "2026-09-16", "b": "", "name": "Terms last updated" }, { "a": "no date given", "b": "", "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, 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 73.9 (BB) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in 6 of 7 scored categories. Kite Agent Passport leads on security \u0026 auth.", "question": "Which is better for AI agents, Circle Wallets (Agent Wallets, Programmable Wallets) or Kite Agent Passport?" }, { "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) has a hosted endpoint at https://api.circle.com/v1/w3s. No hosted endpoint is listed for Kite Agent Passport.", "question": "Can an agent call Circle Wallets (Agent Wallets, Programmable Wallets) and Kite Agent Passport without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 68 against 35", "Schema \u0026 documentation, 88 against 64", "Agent ergonomics, 75 against 68", "Payments \u0026 pricing, 75 against 35", "Maintenance \u0026 community, 77 against 71", "Transparency \u0026 trust, 72 against 56" ], "also": [ "Agent-ready, a grade of BB or better", "A hosted endpoint, with nothing to install", "No incidents deducted, where Kite Agent Passport loses 5 points for them" ], "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 policy engine, so limits and allowlists live in your code" }, { "aheadOn": [ "Security \u0026 auth, 72 against 65" ], "also": null, "goodFor": "Coding agents such as Claude Code or Codex that need to pay x402 or MPP services within budgets a person approves by passkey.", "slug": "kite-agent-passport", "watchFor": "A person signs up by email, clicks a verification link and creates a passkey in a browser before any agent can spend" } ], "job": { "capability": "wallet.onchain", "name": "Onchain wallets" }, "others": [ { "json": "https://www.anchorterminal.com/compare/agentcard-vs-kite-agent-passport.json", "title": "Agentcard vs Kite Agent Passport", "url": "https://www.anchorterminal.com/compare/agentcard-vs-kite-agent-passport" }, { "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-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-kite-agent-passport.json", "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Kite Agent Passport", "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-kite-agent-passport" }, { "json": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-openfort.json", "title": "Kite Agent Passport vs Openfort", "url": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-openfort" }, { "json": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.json", "title": "Kite Agent Passport vs Privy Wallets (server wallets, agent wallets, policy engine)", "url": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy" }, { "json": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-sponge-wallet.json", "title": "Kite Agent Passport vs Sponge Wallet", "url": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-sponge-wallet" }, { "json": "https://www.anchorterminal.com/compare/kite-agent-passport-vs-turnkey-agentic-wallets.json", "title": "Kite Agent Passport vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/kite-agent-passport-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" } ], "scores": [ { "by": 33, "circle-wallets": 68, "edge": "circle-wallets", "key": "reliability", "kite-agent-passport": 35, "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 24, "circle-wallets": 88, "edge": "circle-wallets", "key": "schema", "kite-agent-passport": 64, "name": "Schema \u0026 documentation", "weight": 13 }, { "by": 7, "circle-wallets": 75, "edge": "circle-wallets", "key": "ergonomics", "kite-agent-passport": 68, "name": "Agent ergonomics", "weight": 13 }, { "by": 7, "circle-wallets": 65, "edge": "kite-agent-passport", "key": "security", "kite-agent-passport": 72, "name": "Security \u0026 auth", "weight": 14 }, { "by": 40, "circle-wallets": 75, "edge": "circle-wallets", "key": "payments", "kite-agent-passport": 35, "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 6, "circle-wallets": 77, "edge": "circle-wallets", "key": "maintenance", "kite-agent-passport": 71, "name": "Maintenance \u0026 community", "weight": 7 }, { "by": 16, "circle-wallets": 72, "edge": "circle-wallets", "key": "transparency", "kite-agent-passport": 56, "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in 6 of 7 scored categories. Kite Agent Passport leads on security \u0026 auth. Both do onchain 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.", "kite-agent-passport": "Spending sessions with per-transaction and total caps, a lifetime and passkey approval are enforced by the service, with step-up checks and an audit log. A person must sign up by email and create a passkey before an agent can pay. No published fee rate, OpenAPI file or Passport status page was found." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport", "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.md", "slim": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.min.md" }, "markdown": "Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in 6 of 7 scored categories. Kite Agent Passport leads on security \u0026 auth. Both do onchain wallets.\n\n- Circle Wallets (Agent Wallets, Programmable Wallets): grade BB, 73.9/100, rank #80 of 961. Markdown https://www.anchorterminal.com/tools/circle-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/circle-wallets.json\n- Kite Agent Passport: grade D, 51.5/100, rank #755 of 961. Markdown https://www.anchorterminal.com/tools/kite-agent-passport.md · JSON https://www.anchorterminal.com/api/v1/tools/kite-agent-passport.json\n- Best agent wallets and spending controls: https://www.anchorterminal.com/best/agent-wallets/index.md\n- All 30 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, 68 against 35\n- Schema \u0026 documentation, 88 against 64\n- Agent ergonomics, 75 against 68\n- Payments \u0026 pricing, 75 against 35\n- Maintenance \u0026 community, 77 against 71\n- Transparency \u0026 trust, 72 against 56\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n- A hosted endpoint, with nothing to install\n- No incidents deducted, where Kite Agent Passport loses 5 points for them\n\nWatch for: Developer-controlled wallets have no policy engine, so limits and allowlists live in your code\n\n### Kite Agent Passport (D)\n\nGood for: Coding agents such as Claude Code or Codex that need to pay x402 or MPP services within budgets a person approves by passkey.\n\nAhead on:\n- Security \u0026 auth, 72 against 65\n\nWatch for: A person signs up by email, clicks a verification link and creates a passkey in a browser before any agent can spend\n\n\n## Score by category\n\n| Category | Weight | Circle Wallets (Agent Wallets, Programmable Wallets) | Kite Agent Passport | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 68 | 35 | Circle Wallets (Agent Wallets, Programmable Wallets) +33 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 88 | 64 | Circle Wallets (Agent Wallets, Programmable Wallets) +24 |\n| Agent ergonomics | 13% (16.2 this run) | 75 | 68 | Circle Wallets (Agent Wallets, Programmable Wallets) +7 |\n| Security \u0026 auth | 14% (17.5 this run) | 65 | 72 | Kite Agent Passport +7 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 75 | 35 | Circle Wallets (Agent Wallets, Programmable Wallets) +40 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 77 | 71 | Circle Wallets (Agent Wallets, Programmable Wallets) +6 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 56 | Circle Wallets (Agent Wallets, Programmable Wallets) +16 |\n| Negative events | ≤15 | 0 | -5 | |\n| **Total** | | **73.9 · BB** | **51.5 · D** | |\n\n## Facts side by side\n\n| Fact | Circle Wallets (Agent Wallets, Programmable Wallets) | Kite Agent Passport |\n| --- | --- | --- |\n| Kind | HTTP API | Platform |\n| Vendor | Circle | Kite AI |\n| Hosted endpoint | `https://api.circle.com/v1/w3s` | no (local only) |\n| Transports | HTTP, Streamable HTTP | HTTP |\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 | Closed service under terms from Datalego Inc. dated 29 April 2026. The Passport Skills repository is MIT. The kpass CLI is distributed as binaries and its source repository is private. |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-22 | 2026-10-07 |\n| Terms last updated | 2026-09-16 | |\n| Privacy policy last updated | no date given | |\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, 1.1k PyPI/wk | none |\n| Agent reviews | 3.1/5 (8) | none |\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**Kite Agent Passport.** Spending sessions with per-transaction and total caps, a lifetime and passkey approval are enforced by the service, with step-up checks and an audit log. A person must sign up by email and create a passkey before an agent can pay. No published fee rate, OpenAPI file or Passport status page 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\n4. Treat token names and symbols in wallet responses as untrusted text\n5. Stay under 5 POST requests a second on the Wallets API\n\n### Kite Agent Passport\n\n1. Run `kpass` with `--output json --no-interactive` and branch on the exit code and `error_code`. Exit 6 is a session policy breach, so request a new session rather than logging in again\n2. Pass `--idempotency-key` on every `kpass session execute` so a retry after a timeout does not pay twice\n3. Ask the person for a session with a small per-transaction cap and a short `--ttl`, and confirm the merchant URL before executing\n4. Use `kpass sandbox` test mode and the faucet to try a payment flow without real funds. Scoped cards are not available in sandbox\n5. Check the kite-passport skill's trigger rules before installing it, since it directs the agent to paid services ahead of free tools\n\n## Questions\n\n### Which is better for AI agents, Circle Wallets (Agent Wallets, Programmable Wallets) or Kite Agent Passport?\n\nCircle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in 6 of 7 scored categories. Kite Agent Passport leads on security \u0026 auth.\n\n### Can an agent call Circle Wallets (Agent Wallets, Programmable Wallets) and Kite Agent Passport without installing anything?\n\nCircle Wallets (Agent Wallets, Programmable Wallets) has a hosted endpoint at https://api.circle.com/v1/w3s. No hosted endpoint is listed for Kite Agent Passport.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.json, and with the fewest tokens: https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"circle-wallets\", \"b\": \"kite-agent-passport\"}`. From a terminal: `anchor compare circle-wallets kite-agent-passport`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/circle-wallets.json and https://www.anchorterminal.com/api/v1/tools/kite-agent-passport.json\n\n## Other comparisons with Circle Wallets (Agent Wallets, Programmable Wallets) or Kite Agent Passport\n\n- [Agentcard vs Kite Agent Passport](https://www.anchorterminal.com/compare/agentcard-vs-kite-agent-passport.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 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 Kite Agent Passport](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-kite-agent-passport.md)\n- [Kite Agent Passport vs Openfort](https://www.anchorterminal.com/compare/kite-agent-passport-vs-openfort.md)\n- [Kite Agent Passport vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.md)\n- [Kite Agent Passport vs Sponge Wallet](https://www.anchorterminal.com/compare/kite-agent-passport-vs-sponge-wallet.md)\n- [Kite Agent Passport vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/kite-agent-passport-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", "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 Wallets (Agent Wallets, Programmable Wallets) vs Kite Agent Passport", "url": "" } ], "description": "Circle Wallets scores 73.9 (BB) to Kite Agent Passport's 51.5 (D) for onchain wallets. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Circle Wallets (Agent Wallets, Programmable Wallets) BB 73.9", "Kite Agent Passport D 51.5", "scores" ], "h1": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Kite Agent Passport", "image": "https://www.anchorterminal.com/assets/og/compare-circle-wallets-vs-kite-agent-passport.png", "path": "/compare/circle-wallets-vs-kite-agent-passport", "published": "2026-10-01", "section": "tools", "title": "Circle Wallets vs Kite Agent Passport for AI agents (2026)", "toc": null, "updated": "2026-10-10", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport" }, "tokens": { "markdown": 2550, "slim": 830 }, "version": 1 }