# Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet (slim)

> Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Sponge Wallet's 43.2 (E), and leads in every scored category. Both do wallet onchain. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.md (~2,250 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.json · canonical https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

Circle Wallets (Agent Wallets, Programmable Wallets) scores 73.9 (BB) on agent readiness against Sponge Wallet's 43.2 (E), and leads in every scored category. Both do wallet onchain.

- Circle Wallets (Agent Wallets, Programmable Wallets): BB 73.9, rank #79 of 842 · https://www.anchorterminal.com/tools/circle-wallets.min.md
- Sponge Wallet: E 43.2, rank #785 of 842 · https://www.anchorterminal.com/tools/sponge-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, 68 against 13; Schema & documentation, 88 against 66; Agent ergonomics, 75 against 43; Security & auth, 65 against 48; Payments & pricing, 75 against 70; Maintenance & community, 77 against 27; Transparency & trust, 72 against 39. Also Agent-ready, a grade of BB or better.
- Sponge Wallet, good for A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.

| Category | Circle Wallets (Agent Wallets, Programmable Wallets) | Sponge Wallet |
| --- | --- | --- |
| Reliability (16%) | 68 | 13 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 88 | 66 |
| Agent ergonomics (13%) | 75 | 43 |
| Security & auth (14%) | 65 | 48 |
| Payments & pricing (10%) | 75 | 70 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 77 | 27 |
| Transparency & trust (7%) | 72 | 39 |

| Fact (where they differ) | Circle Wallets (Agent Wallets, Programmable Wallets) | Sponge Wallet |
| --- | --- | --- |
| Vendor | Circle | Sponge Inc. |
| Hosted endpoint | `https://api.circle.com/v1/w3s` | `https://api.wallet.paysponge.com` |
| Transports | HTTP, Streamable HTTP | HTTP |
| Pricing | Freemium | Free |
| Licence | none | Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private |
| Last release | 2026-09-22 | 2026-07-07 |
| Terms last updated | 2026-09-16 | 2026-06-30 |
| Privacy policy last updated | no date given | 2026-06-30 |
| Terms restrict benchmarking | yes | not found in the text |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 17k npm/wk, 1.1k PyPI/wk | 126 npm/wk, 20 PyPI/wk |
| Agent reviews | 3.1/5 (8) | none |