{
  "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": 79,
        "ranked": true,
        "rankOf": 842,
        "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"
      },
      "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": "2026-10-09T10:42:39.580046299Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 124,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 137,
          "p95ms24h": 202,
          "samples24h": 260,
          "samples30d": 2300,
          "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": 114,
              "ok": 114
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.circle.com",
          "indicator": "major",
          "summary": "Partial System Outage",
          "checkedAt": "2026-10-09T10:41:27.911560069Z"
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@circle-fin/cli",
            "version": "1.2.0",
            "seenAt": "2026-10-08T16:05:11.361670395Z"
          },
          {
            "registry": "npm",
            "name": "@circle-fin/developer-controlled-wallets",
            "version": "10.8.1",
            "seenAt": "2026-10-08T16:05:15.232388804Z"
          },
          {
            "registry": "npm",
            "name": "@circle-fin/user-controlled-wallets",
            "version": "10.8.1",
            "seenAt": "2026-10-08T16:05:15.449653468Z"
          },
          {
            "registry": "pypi",
            "name": "circle-developer-controlled-wallets",
            "version": "9.6.0",
            "released": "2026-05-29",
            "seenAt": "2026-10-08T16:05:17.557999018Z"
          }
        ],
        "npmWeekly": 693,
        "pypiWeekly": 1733,
        "securityTxt": {
          "url": "https://circle.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-08T15:39:08.591901612Z"
        },
        "llmsTxt": {
          "url": "https://developers.circle.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-08T14:00:11.386581342Z"
        },
        "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": "2026-10-08T18:17:28.937693293Z",
            "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": "2026-10-09T10:42:39.580046299Z"
      }
    },
    "answer": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Circle Wallets (Agent Wallets, Programmable Wallets)'s 73.9 (BB), and leads in 4 of 7 scored categories. Circle Wallets (Agent Wallets, Programmable Wallets) leads on schema \u0026 documentation and payments \u0026 pricing.",
    "b": {
      "slug": "turnkey-agentic-wallets",
      "name": "Turnkey Agentic Wallets",
      "vendor": "Turnkey Global, Inc.",
      "vendorUrl": "https://www.turnkey.com",
      "kind": "http-api",
      "category": "agent-wallets",
      "summary": "Turnkey's signing API gives an AI agent its own non-root user and P-256 key over a company wallet. Policies evaluated in secure enclaves set what the agent may sign, and can require a person's approval.",
      "url": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets",
      "markdownUrl": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json",
      "repo": "https://github.com/tkhq/turnkey-agent-skills",
      "license": "Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.turnkey.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@turnkey/sdk-server"
        },
        {
          "registry": "npm",
          "name": "@turnkey/viem"
        },
        {
          "registry": "pypi",
          "name": "turnkey-http"
        }
      ],
      "auth": "api-key",
      "authNotes": "Self-serve. A person creates an organisation at app.turnkey.com with an email address and a passkey, then registers a P-256 public key. Every request is a JSON POST signed with that key in an `X-Stamp` header. There are no bearer tokens. An agent gets its own non-root user and key, created through the API by a root user, and can do only what policies allow.",
      "pricing": "freemium",
      "pricingNotes": "25 free signatures a month on Pay as You Go, then $0.10 a signature. Pro is $99 a month and $0.05 a signature. Enterprise is custom, from $0.0015 a signature, and adds gas sponsorship, SLAs and up to 250 policies. The free allowance needs no card, so an agent can start without a contract. Transaction management and swaps are priced per transaction on request (https://www.turnkey.com/pricing, checked 2026-10-08).",
      "priceSummary": "$0.10 / call",
      "where": "hosted",
      "x402": {
        "level": "partial",
        "evidence": "Turnkey documents paying over x402 and MPP as a buyer. A viem account from `@turnkey/viem` signs in the enclave and is passed to the `@x402/fetch` or `mppx` client. Turnkey's own API is not paid over either protocol (https://docs.turnkey.com/solutions/company-wallets/agentic-payments, checked 2026-10-08).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": 304389,
        "pypiWeekly": 11903,
        "asOf": "2026-10-08"
      },
      "docsUrl": "https://docs.turnkey.com/solutions/company-wallets/agentic-wallets",
      "llmsTxt": "https://docs.turnkey.com/llms.txt",
      "openapi": "https://docs.turnkey.com/public_api.swagger.json",
      "capabilities": [
        "wallet.onchain",
        "wallet.spend-limits",
        "wallet.custody",
        "payments.x402"
      ],
      "tags": [
        "hosted",
        "freemium",
        "free-tier",
        "openapi",
        "llms-txt",
        "typescript",
        "go",
        "python",
        "rust",
        "ruby",
        "wallet",
        "policy-engine",
        "x402",
        "status-page",
        "bug-bounty",
        "soc2",
        "closed-source",
        "webhooks",
        "skills"
      ],
      "lastRelease": "2026-10-08",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 76,
        "grade": "BB",
        "agentReady": true,
        "rank": 38,
        "ranked": true,
        "rankOf": 842,
        "categoryRank": 1,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 77,
          "maintenance": 83,
          "payments": 58,
          "reliability": 75,
          "schema": 79,
          "security": 85,
          "transparency": 72
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-08"
        },
        "negative": 0,
        "verdict": "An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026.",
        "bestFor": "A company that wants agents to sign from its own wallets under rules checked in an enclave, with a person co-approving large transactions, across EVM, Solana, Bitcoin, Tron and other chains.",
        "strengths": [
          "Non-root users have no permissions until an ALLOW policy exists, and any matching DENY policy wins",
          "Consensus expressions can require the agent and a named person to approve before the enclave signs",
          "API private keys are generated by the customer and never sent to Turnkey. Keys can carry an expiry",
          "Submissions are idempotent by request body, so a retry with the same body returns the same activity",
          "Public Swagger 2.0 spec with 186 paths, llms.txt, a full-text docs feed and nine Apache-2.0 agent skills"
        ],
        "weaknesses": [
          "Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language",
          "Free, Pay as You Go and Pro organisations are limited to five policies and a default of 1 to 3 requests a second",
          "Root users bypass the policy engine entirely, and the first user of a new organisation is root",
          "Signing endpoints returned elevated errors from 00:44 to 05:53 EDT on 27 August 2026",
          "429 responses carry no `Retry-After` header, and the terms forbid benchmarking and availability monitoring"
        ],
        "agentNotes": [
          "Use a non-root user's key. Refuse root credentials for unattended work, because root bypasses every policy",
          "Scope every signing ALLOW policy by `wallet.id` or `wallet_account.address`, or it covers every key the user can reach",
          "Check the activity status on each response. `ACTIVITY_STATUS_CONSENSUS_NEEDED` means a person must approve within 24 hours",
          "Retry with the identical body to stay idempotent. Changing `timestampMs` creates a new activity",
          "Back off with jitter on 429 and poll `get_activity` sparingly, since polling counts against the same 1 to 3 requests a second"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "BB",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 76
          }
        ],
        "editorialScores": {
          "ergonomics": 77,
          "maintenance": 83,
          "payments": 58,
          "reliability": 75,
          "schema": 79,
          "security": 85,
          "transparency": 50
        },
        "provenanceScore": 94
      },
      "connect": {
        "install": "npm install @turnkey/sdk-server",
        "claudeCode": "claude mcp add --transport http turnkey https://docs.turnkey.com/mcp"
      },
      "letme": {
        "capability": "https://letme.dev/wallet.onchain",
        "tool": "https://letme.dev/turnkey-agentic-wallets"
      },
      "area": "payments",
      "unitPrices": [
        {
          "item": "Signature, Pay as You Go",
          "unit": "call",
          "usd": 0.1,
          "note": "after 25 free signatures a month"
        },
        {
          "item": "Pro plan",
          "unit": "month",
          "usd": 99,
          "note": "monthly minimum, up to 2,000 wallets"
        },
        {
          "item": "Signature, Pro",
          "unit": "call",
          "usd": 0.05,
          "note": "per signature on the Pro plan"
        }
      ],
      "provenance": {
        "legalEntity": "Turnkey Global, Inc.",
        "domain": "turnkey.com",
        "domainRegistered": "1994-12-20",
        "endpointOnVendorDomain": true,
        "terms": "https://www.turnkey.com/legal/terms",
        "privacy": "https://www.turnkey.com/legal/privacy",
        "statusPage": "https://www.turnkey-status.com",
        "changelog": "https://github.com/tkhq/sdk/blob/main/packages/sdk-server/CHANGELOG.md",
        "securityTxt": "valid",
        "checked": "2026-10-08",
        "notes": [
          "The terms of service (updated 6 August 2026) are the agreement for the services and the API. They name Turnkey Global, Inc., give 15 W. 18th Street, New York as the notice address and choose New York law.",
          "The terms have a section on automated and AI-mediated access. It treats agents using a customer's credentials as authorised users and makes the customer responsible for their actions.",
          "The privacy policy (updated 29 June 2026) covers the services and says Turnkey is a processor where it serves a business customer's users.",
          "The API answers at api.turnkey.com. The status page is on a second domain, turnkey-status.com, hosted by Atlassian Statuspage.",
          "www.turnkey.com/.well-known/security.txt gives a policy URL, a contact form, security@turnkey.com and a PGP key. It has no Expires field.",
          "No changelog for the API was found in the docs. The link is the server SDK's changelog on GitHub.",
          "RDAP for turnkey.com gives a registration date of 1994-12-20."
        ],
        "score": 94
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets.json",
      "live": {
        "slug": "turnkey-agentic-wallets",
        "probe": {
          "target": "https://api.turnkey.com",
          "method": "get",
          "lastAt": "2026-10-09T10:42:59.844743238Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 237,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 92,
          "p95ms24h": 185,
          "samples24h": 33,
          "samples30d": 33,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 33,
              "ok": 33
            }
          ]
        },
        "vendorStatus": {
          "page": "https://www.turnkey-status.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-09T10:42:07.204812772Z"
        },
        "updatedAt": "2026-10-09T10:42:59.844743238Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Circle",
        "b": "Turnkey Global, Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://api.circle.com/v1/w3s",
        "b": "https://api.turnkey.com",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP, Streamable HTTP",
        "b": "HTTP",
        "name": "Transports"
      },
      {
        "a": "OAuth or key",
        "b": "API key",
        "name": "Auth"
      },
      {
        "a": "Freemium",
        "b": "Freemium",
        "name": "Pricing"
      },
      {
        "a": "payer tooling only",
        "b": "payer tooling only",
        "name": "x402"
      },
      {
        "a": "none",
        "b": "Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-09-22",
        "b": "2026-10-08",
        "name": "Last release"
      },
      {
        "a": "2026-09-16",
        "b": "2026-08-06",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "2026-06-29",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Customer content may train models"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "name": "Terms restrict automated access"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "17k npm/wk, 1.1k PyPI/wk",
        "b": "304k npm/wk, 12k PyPI/wk",
        "name": "Popularity"
      },
      {
        "a": "3.1/5 (8)",
        "b": "none",
        "name": "Agent reviews"
      }
    ],
    "faq": [
      {
        "answer": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Circle Wallets (Agent Wallets, Programmable Wallets)'s 73.9 (BB), and leads in 4 of 7 scored categories. Circle Wallets (Agent Wallets, Programmable Wallets) leads on schema \u0026 documentation and payments \u0026 pricing.",
        "question": "Which is better for AI agents, Circle Wallets (Agent Wallets, Programmable Wallets) or Turnkey Agentic Wallets?"
      },
      {
        "answer": "Circle Wallets (Agent Wallets, Programmable Wallets) takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.",
        "question": "Do Circle Wallets (Agent Wallets, Programmable Wallets) and Turnkey Agentic Wallets need an API key?"
      },
      {
        "answer": "Yes. Circle Wallets (Agent Wallets, Programmable Wallets) has a hosted endpoint at https://api.circle.com/v1/w3s and Turnkey Agentic Wallets at https://api.turnkey.com.",
        "question": "Can an agent call Circle Wallets (Agent Wallets, Programmable Wallets) and Turnkey Agentic Wallets without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 88 against 79",
          "Payments \u0026 pricing, 75 against 58"
        ],
        "also": null,
        "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": [
          "Reliability, 75 against 68",
          "Security \u0026 auth, 85 against 65",
          "Maintenance \u0026 community, 83 against 77"
        ],
        "also": null,
        "goodFor": "A company that wants agents to sign from its own wallets under rules checked in an enclave, with a person co-approving large transactions, across EVM, Solana, Bitcoin, Tron and other chains.",
        "slug": "turnkey-agentic-wallets",
        "watchFor": "Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language"
      }
    ],
    "job": {
      "capability": "wallet.onchain",
      "name": "Wallet onchain"
    },
    "others": [
      {
        "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-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/coinbase-cdp-agentkit-vs-turnkey-agentic-wallets.json",
        "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Turnkey Agentic Wallets",
        "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-turnkey-agentic-wallets"
      },
      {
        "json": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.json",
        "title": "Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets",
        "url": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets"
      },
      {
        "json": "https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.json",
        "title": "Sponge Wallet vs Turnkey Agentic Wallets",
        "url": "https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets"
      }
    ],
    "scores": [
      {
        "by": 7,
        "circle-wallets": 68,
        "edge": "turnkey-agentic-wallets",
        "key": "reliability",
        "name": "Reliability",
        "turnkey-agentic-wallets": 75,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 9,
        "circle-wallets": 88,
        "edge": "circle-wallets",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "turnkey-agentic-wallets": 79,
        "weight": 13
      },
      {
        "by": 2,
        "circle-wallets": 75,
        "edge": "turnkey-agentic-wallets",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "turnkey-agentic-wallets": 77,
        "weight": 13
      },
      {
        "by": 20,
        "circle-wallets": 65,
        "edge": "turnkey-agentic-wallets",
        "key": "security",
        "name": "Security \u0026 auth",
        "turnkey-agentic-wallets": 85,
        "weight": 14
      },
      {
        "by": 17,
        "circle-wallets": 75,
        "edge": "circle-wallets",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "turnkey-agentic-wallets": 58,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 6,
        "circle-wallets": 77,
        "edge": "turnkey-agentic-wallets",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "turnkey-agentic-wallets": 83,
        "weight": 7
      },
      {
        "by": 0,
        "circle-wallets": 72,
        "edge": "",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "turnkey-agentic-wallets": 72,
        "weight": 7
      }
    ],
    "summary": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Circle Wallets (Agent Wallets, Programmable Wallets)'s 73.9 (BB), and leads in 4 of 7 scored categories. Circle Wallets (Agent Wallets, Programmable Wallets) leads on schema \u0026 documentation and payments \u0026 pricing. Both do wallet onchain.",
    "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.",
      "turnkey-agentic-wallets": "An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026."
    }
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  "links": {
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    "html": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets",
    "json": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.md",
    "slim": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.min.md"
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  "markdown": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Circle Wallets (Agent Wallets, Programmable Wallets)'s 73.9 (BB), and leads in 4 of 7 scored categories. Circle Wallets (Agent Wallets, Programmable Wallets) leads on schema \u0026 documentation and payments \u0026 pricing. Both do wallet onchain.\n\n- Circle Wallets (Agent Wallets, Programmable Wallets): grade BB, 73.9/100, rank #79 of 842. Markdown https://www.anchorterminal.com/tools/circle-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/circle-wallets.json\n- Turnkey Agentic Wallets: grade BB, 76/100, rank #38 of 842. Markdown https://www.anchorterminal.com/tools/turnkey-agentic-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json\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- Schema \u0026 documentation, 88 against 79\n- Payments \u0026 pricing, 75 against 58\n\nWatch for: Developer-controlled wallets have no policy engine, so limits and allowlists live in your code\n\n### Turnkey Agentic Wallets (BB)\n\nGood for: A company that wants agents to sign from its own wallets under rules checked in an enclave, with a person co-approving large transactions, across EVM, Solana, Bitcoin, Tron and other chains.\n\nAhead on:\n- Reliability, 75 against 68\n- Security \u0026 auth, 85 against 65\n- Maintenance \u0026 community, 83 against 77\n\nWatch for: Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language\n\n\n## Score by category\n\n| Category | Weight | Circle Wallets (Agent Wallets, Programmable Wallets) | Turnkey Agentic Wallets | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 68 | 75 | Turnkey Agentic Wallets +7 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 88 | 79 | Circle Wallets (Agent Wallets, Programmable Wallets) +9 |\n| Agent ergonomics | 13% (16.2 this run) | 75 | 77 | Turnkey Agentic Wallets +2 |\n| Security \u0026 auth | 14% (17.5 this run) | 65 | 85 | Turnkey Agentic Wallets +20 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 75 | 58 | Circle Wallets (Agent Wallets, Programmable Wallets) +17 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 77 | 83 | Turnkey Agentic Wallets +6 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 72 | even |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **73.9 · BB** | **76 · BB** | |\n\n## Facts side by side\n\n| Fact | Circle Wallets (Agent Wallets, Programmable Wallets) | Turnkey Agentic Wallets |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Circle | Turnkey Global, Inc. |\n| Hosted endpoint | `https://api.circle.com/v1/w3s` | `https://api.turnkey.com` |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | OAuth or key | API key |\n| Pricing | Freemium | Freemium |\n| x402 | payer tooling only | payer tooling only |\n| Licence | none | Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0 |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-22 | 2026-10-08 |\n| Terms last updated | 2026-09-16 | 2026-08-06 |\n| Privacy policy last updated | no date given | 2026-06-29 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | yes |\n| Terms restrict benchmarking | yes | yes |\n| Terms or service can change without notice | yes | yes |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | 17k npm/wk, 1.1k PyPI/wk | 304k npm/wk, 12k PyPI/wk |\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**Turnkey Agentic Wallets.** An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026.\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### Turnkey Agentic Wallets\n\n1. Use a non-root user's key. Refuse root credentials for unattended work, because root bypasses every policy\n2. Scope every signing ALLOW policy by `wallet.id` or `wallet_account.address`, or it covers every key the user can reach\n3. Check the activity status on each response. `ACTIVITY_STATUS_CONSENSUS_NEEDED` means a person must approve within 24 hours\n4. Retry with the identical body to stay idempotent. Changing `timestampMs` creates a new activity\n5. Back off with jitter on 429 and poll `get_activity` sparingly, since polling counts against the same 1 to 3 requests a second\n\n## Questions\n\n### Which is better for AI agents, Circle Wallets (Agent Wallets, Programmable Wallets) or Turnkey Agentic Wallets?\n\nTurnkey Agentic Wallets scores 76 (BB) on agent readiness against Circle Wallets (Agent Wallets, Programmable Wallets)'s 73.9 (BB), and leads in 4 of 7 scored categories. Circle Wallets (Agent Wallets, Programmable Wallets) leads on schema \u0026 documentation and payments \u0026 pricing.\n\n### Do Circle Wallets (Agent Wallets, Programmable Wallets) and Turnkey Agentic Wallets need an API key?\n\nCircle Wallets (Agent Wallets, Programmable Wallets) takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.\n\n### Can an agent call Circle Wallets (Agent Wallets, Programmable Wallets) and Turnkey Agentic Wallets without installing anything?\n\nYes. Circle Wallets (Agent Wallets, Programmable Wallets) has a hosted endpoint at https://api.circle.com/v1/w3s and Turnkey Agentic Wallets at https://api.turnkey.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.json, and with the fewest tokens: https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"circle-wallets\", \"b\": \"turnkey-agentic-wallets\"}`. From a terminal: `anchor compare circle-wallets turnkey-agentic-wallets`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/circle-wallets.json and https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json\n\n## Other comparisons with Circle Wallets (Agent Wallets, Programmable Wallets) or Turnkey Agentic Wallets\n\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 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- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-turnkey-agentic-wallets.md)\n- [Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.md)\n- [Sponge Wallet vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.md)\n",
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      {
        "name": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets",
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    "description": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Circle Wallets (Agent Wallets, Programmable Wallets)'s 73.9 (BB), and leads in 4 of 7 scored categories. Circle Wallets (Agent Wallets, Programmable Wallets) leads on schema \u0026 documentation and payments \u0026 pricing.…",
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    "h1": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets",
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    "path": "/compare/circle-wallets-vs-turnkey-agentic-wallets",
    "published": "2026-10-01",
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    "title": "Circle Wallets vs Turnkey Agentic Wallets | Anchor Terminal",
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