# FluxA AI Wallet vs Privy Wallets (server wallets, agent wallets, policy engine) (slim)

> Privy Wallets scores 72.3 (BB) to FluxA AI Wallet's 47 (D) for x402 payments. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-privy.md (~6,450 tokens) · this version ~1,480 tokens · JSON https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-privy.json · canonical https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-privy
- 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)

Privy Wallets (server wallets, agent wallets, policy engine) scores 72.3 (BB) on agent readiness against FluxA AI Wallet's 47 (D), and leads in every scored category. Both do x402 payments.

- FluxA AI Wallet: D 47, rank #1164 of 1513 · https://www.anchorterminal.com/tools/fluxa-ai-wallet.min.md
- Privy Wallets (server wallets, agent wallets, policy engine): BB 72.3, rank #132 of 1513 · https://www.anchorterminal.com/tools/privy.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. Also Runs on your own machine; Open source.
- Privy Wallets (server wallets, agent wallets, policy engine), good for Builders who need fine-grained, enclave-enforced spending rules on programmatic wallets, or who want an agent to sign for a person's wallet with a revocable scoped signer. Ahead on Reliability, 53 against 20; Schema & documentation, 83 against 61; Agent ergonomics, 81 against 60; Security & auth, 85 against 52; Payments & pricing, 55 against 45; Maintenance & community, 80 against 66; Transparency & trust, 72 against 32. Also Agent-ready, a grade of BB or better.

| Category | FluxA AI Wallet | Privy Wallets (server wallets, agent wallets, policy engine) |
| --- | --- | --- |
| Reliability (16%) | 20 | 53 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 61 | 83 |
| Agent ergonomics (13%) | 60 | 81 |
| Security & auth (14%) | 52 | 85 |
| Payments & pricing (10%) | 45 | 55 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 66 | 80 |
| Transparency & trust (7%) | 32 | 72 |

| Fact (where they differ) | FluxA AI Wallet | Privy Wallets (server wallets, agent wallets, policy engine) |
| --- | --- | --- |
| Vendor | FluxA Technology Pte. Ltd. | Privy (Stripe) |
| Hosted endpoint | `https://walletapi.fluxapay.xyz` | `https://api.privy.io/v1` |
| Transports | HTTP, stdio | HTTP |
| Pricing | Pay per use | Freemium |
| 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 | none |
| Tools exposed | 15 | none |
| llms.txt | no | yes |
| Last release | 2026-11-06 | 2026-10-26 |
| Terms last updated | no document linked | 2025-12-16 |
| Privacy policy last updated | no document linked | no date given |
| Customer content may train models | not read yet | not found in the text |
| Terms restrict automated access | not read yet | not found in the text |
| Terms restrict benchmarking | not read yet | yes |
| Terms or service can change without notice | not read yet | not found in the text |
| Arbitration or class-action waiver | not read yet | yes |
| Popularity | none | 296k npm/wk, 13k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |

Why the edge:
- Transparency & trust, Privy Wallets (server wallets, agent wallets, policy engine) +40: 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.); Privy Wallets (server wallets, agent wallets, policy engine) 72 (Closed service under developer terms; the Agent CLI is Apache-2.0 and the Shamir secret-sharing library is open source (18 of 30).)
- Reliability, Privy Wallets (server wallets, agent wallets, policy engine) +33: 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…); Privy Wallets (server wallets, agent wallets, policy engine) 53 (Status page at status.privy.io with components and an RSS history back to October 2025 (20).)
- Security & auth, Privy Wallets (server wallets, agent wallets, policy engine) +33: 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…); Privy Wallets (server wallets, agent wallets, policy engine) 85 (The app secret on Basic auth can do anything in the app, but wallets owned by an authorisation key or a key quorum also need that key's signature on each reques…)
- Schema & documentation, Privy Wallets (server wallets, agent wallets, policy engine) +22: FluxA AI Wallet 61 (No OpenAPI file or reference for the wallet API was found; the README shows sample requests for five endpoints.); Privy Wallets (server wallets, agent wallets, policy engine) 83 (A public OpenAPI 3.1 document at api.privy.io/v1/openapi.json, 178 paths and 231 operations on 1 November, though its `info.version` is 0.0.1 (25).)
- Agent ergonomics, Privy Wallets (server wallets, agent wallets, policy engine) +21: FluxA AI Wallet 60 (The MCP server has 15 tools with about 4,700 characters of descriptions, the 11 to 30 band (15).); Privy Wallets (server wallets, agent wallets, policy engine) 81 (No product MCP server (the docs MCP at docs.privy.io/mcp only searches documentation), so an agent works through the API, SDKs or the Agent CLI, and response si…)
- Maintenance & community, Privy Wallets (server wallets, agent wallets, policy engine) +14: FluxA AI Wallet 66 (`@fluxa-pay/fluxa-wallet` 0.6.0 was published on 6 November 2026, one day before this check (30).); Privy Wallets (server wallets, agent wallets, policy engine) 80 (@privy-io/node 0.37.0 on 26 October 2026, and a weekly product update on 16 October (30).)