# FluxA AI Wallet vs Turnkey Agentic Wallets (slim)

> Turnkey Agentic Wallets scores 74.7 (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-turnkey-agentic-wallets.md (~6,700 tokens) · this version ~1,380 tokens · JSON https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-turnkey-agentic-wallets.json · canonical https://www.anchorterminal.com/compare/fluxa-ai-wallet-vs-turnkey-agentic-wallets
- 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)

Turnkey Agentic Wallets scores 74.7 (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
- Turnkey Agentic Wallets: BB 74.7, rank #77 of 1513 · https://www.anchorterminal.com/tools/turnkey-agentic-wallets.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; No incidents deducted, where Turnkey Agentic Wallets loses 3 points for them.
- Turnkey Agentic Wallets, good 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. Ahead on Reliability, 83 against 20; Schema & documentation, 79 against 61; Agent ergonomics, 77 against 60; Security & auth, 85 against 52; Payments & pricing, 58 against 45; Maintenance & community, 83 against 66; Transparency & trust, 73 against 32. Also Agent-ready, a grade of BB or better.

| Category | FluxA AI Wallet | Turnkey Agentic Wallets |
| --- | --- | --- |
| Reliability (16%) | 20 | 83 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 61 | 79 |
| Agent ergonomics (13%) | 60 | 77 |
| Security & auth (14%) | 52 | 85 |
| Payments & pricing (10%) | 45 | 58 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 66 | 83 |
| Transparency & trust (7%) | 32 | 73 |

| Fact (where they differ) | FluxA AI Wallet | Turnkey Agentic Wallets |
| --- | --- | --- |
| Vendor | FluxA Technology Pte. Ltd. | Turnkey Global, Inc. |
| Hosted endpoint | `https://walletapi.fluxapay.xyz` | `https://api.turnkey.com` |
| Transports | HTTP, stdio | HTTP |
| Auth | OAuth or key | API key |
| 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 | Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0 |
| Tools exposed | 15 | none |
| llms.txt | no | yes |
| Last release | 2026-11-06 | 2026-10-23 |
| Terms last updated | no document linked | 2026-08-06 |
| Privacy policy last updated | no document linked | 2026-06-29 |
| Customer content may train models | not read yet | not found in the text |
| 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 | 304k npm/wk, 12k PyPI/wk |
| Agent reviews | none | 3/5 (4) |

Why the edge:
- Reliability, Turnkey Agentic Wallets +63: 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…); Turnkey Agentic Wallets 83 (Status page at turnkey-status.com on Atlassian Statuspage with 23 components and 90-day uptime bars (20).)
- Transparency & trust, Turnkey Agentic Wallets +41: 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.); Turnkey Agentic Wallets 73 (A closed service under published terms of service, updated 6 August 2026, with the SDKs, CLI and agent skills under Apache-2.0 and QuorumOS open source (18 of 3…)
- Security & auth, Turnkey Agentic Wallets +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…); Turnkey Agentic Wallets 85 (Each user holds P-256 API key pairs whose private half is generated by the customer and never sent to Turnkey.)
- Schema & documentation, Turnkey Agentic Wallets +18: FluxA AI Wallet 61 (No OpenAPI file or reference for the wallet API was found; the README shows sample requests for five endpoints.); Turnkey Agentic Wallets 79 (A public Swagger 2.0 document at docs.turnkey.com/public_api.swagger.json with 198 paths, 74 queries and 123 submissions on 1 November (25).)
- Agent ergonomics, Turnkey Agentic Wallets +17: FluxA AI Wallet 60 (The MCP server has 15 tools with about 4,700 characters of descriptions, the 11 to 30 band (15).); Turnkey Agentic Wallets 77 (There is no MCP server for wallet actions; the MCP server at docs.turnkey.com/mcp has two read-only tools, `search_turnkey` and `query_docs_filesystem_turnkey`…)
- Maintenance & community, Turnkey Agentic Wallets +17: FluxA AI Wallet 66 (`@fluxa-pay/fluxa-wallet` 0.6.0 was published on 6 November 2026, one day before this check (30).); Turnkey Agentic Wallets 83 (The SDK repository tagged v2026.10.3 on 19 October (`@turnkey/sdk-server` 8.7.1, a fix for an invalid activity type) and v2026.10.4 on 23 October 2026, whose re…)