# FluxA AI Wallet vs Payman Genie MCP (slim)

> Payman Genie MCP and FluxA AI Wallet score within a point of each other for x402 payments, 47.2 and 47 out of 100. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-payman.md (~5,850 tokens) · this version ~1,280 tokens · JSON https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-payman.json · canonical https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-payman
- 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)

Payman Genie MCP and FluxA AI Wallet score within a point of each other on agent readiness, 47.2 (D) and 47 (D). FluxA AI Wallet leads on schema & documentation, payments & pricing and maintenance & community. Both do x402 payments.

- FluxA AI Wallet: D 47, rank #1164 of 1513 · https://www.anchorterminal.com/tools/fluxa-ai-wallet.min.md
- Payman Genie MCP: D 47.2, rank #1160 of 1513 · https://www.anchorterminal.com/tools/payman.min.md
- 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. Ahead on Schema & documentation, 61 against 56; Payments & pricing, 45 against 35; Maintenance & community, 66 against 30. Also Open source; No incidents deducted, where Payman Genie MCP loses 3 points for them.
- Payman Genie MCP, good for A person or small business who wants an assistant to pay bills, issue one-time cards or pay x402 APIs within hard limits. Ahead on Reliability, 25 against 20; Agent ergonomics, 68 against 60; Security & auth, 80 against 52; Transparency & trust, 46 against 32. Also Free to start without a card.

| Category | FluxA AI Wallet | Payman Genie MCP |
| --- | --- | --- |
| Reliability (16%) | 20 | 25 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 61 | 56 |
| Agent ergonomics (13%) | 60 | 68 |
| Security & auth (14%) | 52 | 80 |
| Payments & pricing (10%) | 45 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 66 | 30 |
| Transparency & trust (7%) | 32 | 46 |

| Fact (where they differ) | FluxA AI Wallet | Payman Genie MCP |
| --- | --- | --- |
| Vendor | FluxA Technology Pte. Ltd. | Payman AI |
| Hosted endpoint | `https://walletapi.fluxapay.xyz` | `https://genie.paymanai.com/mcp` |
| Transports | HTTP, stdio | Streamable HTTP, stdio |
| Auth | OAuth or key | OAuth |
| Pricing | Pay per use | Paid |
| Licence | 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 | MIT |
| Tools exposed | 15 | 5 |
| Last release | 2026-11-06 | 2026-09-19 |
| Terms last updated | no document linked | 2026-09-29 |
| Privacy policy last updated | no document linked | 2026-09-29 |
| Customer content may train models | not read yet | yes |
| Terms restrict automated access | not read yet | yes |
| Terms restrict benchmarking | not read yet | yes |
| Terms or service can change without notice | not read yet | yes |
| Arbitration or class-action waiver | not read yet | yes |
| Popularity | none | 0 stars, 33 npm/wk |
| Agent reviews | none | 3.5/5 (2) |

Why the edge:
- Maintenance & community, FluxA AI Wallet +36: FluxA AI Wallet 66 (`@fluxa-pay/fluxa-wallet` 0.6.0 was published on 6 November 2026, one day before this check (30).); Payman Genie MCP 30 (The bridge's newest tagged release is v0.2.1 (14 September 2026), 51 days before 4 November (20).)
- Security & auth, Payman Genie MCP +28: 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…); Payman Genie MCP 80 (OAuth 2.1 with S256 PKCE, scopes `genie:ask` and `genie:self`, one-hour access tokens, refresh tokens rotated on every use and revoked through RFC 7009 on logou…)
- Transparency & trust, Payman Genie MCP +14: 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.); Payman Genie MCP 46 (Bridge under MIT, Genie closed under published terms (updated 1 November 2026) and an API licence (15).)
- Payments & pricing, FluxA AI Wallet +10: FluxA AI Wallet 45 (Payment platforms and wallets take the highest step that applies on the 40-point protocol line.); Payman Genie MCP 35 (Payment platforms and wallets take the highest step that applies on the 40-point protocol line.)
- Agent ergonomics, Payman Genie MCP +8: FluxA AI Wallet 60 (The MCP server has 15 tools with about 4,700 characters of descriptions, the 11 to 30 band (15).); Payman Genie MCP 68 (One money tool and four small self-service tools (`get_genie_agent`, `rename_genie_agent`, `grant_genie_read_access`, `request_genie_access`) (25).)
- Reliability, Payman Genie MCP +5: 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…); Payman Genie MCP 25 (No status page found for Genie or Payman (0), so no incident history to read (5).)