# Kite Agent Passport vs Privy Wallets (server wallets, agent wallets, policy engine)

> Privy Wallets scores 69.9 (B) to Kite Agent Passport's 51.5 (D) for onchain wallets. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy
- Markdown: https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.md (~2,550 tokens)
- Slim: https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.min.md (~780 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-10

Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in every scored category. Both do onchain wallets.

- Kite Agent Passport: grade D, 51.5/100, rank #755 of 961. Markdown https://www.anchorterminal.com/tools/kite-agent-passport.md · JSON https://www.anchorterminal.com/api/v1/tools/kite-agent-passport.json
- Privy Wallets (server wallets, agent wallets, policy engine): grade B, 69.9/100, rank #166 of 961. Markdown https://www.anchorterminal.com/tools/privy.md · JSON https://www.anchorterminal.com/api/v1/tools/privy.json
- Best agent wallets and spending controls: https://www.anchorterminal.com/best/agent-wallets/index.md
- All 30 wallets comparisons: https://www.anchorterminal.com/compare/agent-wallets/index.md

## Which one, for what

### Kite Agent Passport (D)

Good for: Coding agents such as Claude Code or Codex that need to pay x402 or MPP services within budgets a person approves by passkey.

Watch for: A person signs up by email, clicks a verification link and creates a passkey in a browser before any agent can spend

### Privy Wallets (server wallets, agent wallets, policy engine) (B)

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, 48 against 35
- Schema & documentation, 83 against 64
- Agent ergonomics, 73 against 68
- Security & auth, 85 against 72
- Payments & pricing, 55 against 35
- Maintenance & community, 80 against 71
- Transparency & trust, 71 against 56

Also in its favour:
- A hosted endpoint, with nothing to install
- No incidents deducted, where Kite Agent Passport loses 5 points for them

Watch for: Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July


## Score by category

| Category | Weight | Kite Agent Passport | Privy Wallets (server wallets, agent wallets, policy engine) | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 35 | 48 | Privy Wallets (server wallets, agent wallets, policy engine) +13 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 64 | 83 | Privy Wallets (server wallets, agent wallets, policy engine) +19 |
| Agent ergonomics | 13% (16.2 this run) | 68 | 73 | Privy Wallets (server wallets, agent wallets, policy engine) +5 |
| Security & auth | 14% (17.5 this run) | 72 | 85 | Privy Wallets (server wallets, agent wallets, policy engine) +13 |
| Payments & pricing | 10% (12.5 this run) | 35 | 55 | Privy Wallets (server wallets, agent wallets, policy engine) +20 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 71 | 80 | Privy Wallets (server wallets, agent wallets, policy engine) +9 |
| Transparency & trust | 7% (8.8 this run) | 56 | 71 | Privy Wallets (server wallets, agent wallets, policy engine) +15 |
| Negative events | ≤15 | -5 | 0 | |
| **Total** | | **51.5 · D** | **69.9 · B** | |

## Facts side by side

| Fact | Kite Agent Passport | Privy Wallets (server wallets, agent wallets, policy engine) |
| --- | --- | --- |
| Kind | Platform | HTTP API |
| Vendor | Kite AI | Privy (Stripe) |
| Hosted endpoint | no (local only) | `https://api.privy.io/v1` |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | OAuth or key |
| Pricing | Pay per use | Freemium |
| x402 | payer tooling only | payer tooling only |
| Licence | Closed service under terms from Datalego Inc. dated 29 April 2026. The Passport Skills repository is MIT. The kpass CLI is distributed as binaries and its source repository is private. | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-07 | 2026-09-28 |
| Terms last updated |  | 2025-12-16 |
| Privacy policy last updated |  | no date given |
| Customer content may train models |  | not found in the text |
| Terms restrict automated access |  | not found in the text |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | not found in the text |
| Arbitration or class-action waiver |  | yes |
| Popularity | none | 296k npm/wk, 13k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |

## Verdicts

**Kite Agent Passport.** Spending sessions with per-transaction and total caps, a lifetime and passkey approval are enforced by the service, with step-up checks and an audit log. A person must sign up by email and create a passkey before an agent can pay. No published fee rate, OpenAPI file or Passport status page was found.

**Privy Wallets (server wallets, agent wallets, policy engine).** Default-deny policies with DENY precedence on recipients, values, contracts, calldata, typed data and time windows, enforced in AWS Nitro Enclaves. Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July.

## Before you call either

### Kite Agent Passport

1. Run `kpass` with `--output json --no-interactive` and branch on the exit code and `error_code`. Exit 6 is a session policy breach, so request a new session rather than logging in again
2. Pass `--idempotency-key` on every `kpass session execute` so a retry after a timeout does not pay twice
3. Ask the person for a session with a small per-transaction cap and a short `--ttl`, and confirm the merchant URL before executing
4. Use `kpass sandbox` test mode and the faucet to try a payment flow without real funds. Scoped cards are not available in sandbox
5. Check the kite-passport skill's trigger rules before installing it, since it directs the agent to paid services ahead of free tools

### Privy Wallets (server wallets, agent wallets, policy engine)

1. Add a rule for every RPC method the agent needs; a wallet with a policy denies anything unlisted
2. Pair a rolling cap with a lower per-transaction cap, since aggregations update only after signing
3. Send an idempotency key on `/rpc`, `/transfer` and `/wallets` calls; reusing one with a changed body returns 400
4. Set `maxValue` on the x402 or MPP client for every request
5. Retry a `transaction_broadcast_failure`; don't retry a `policy_violation`

## Questions

### Which is better for AI agents, Kite Agent Passport or Privy Wallets (server wallets, agent wallets, policy engine)?

Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Kite Agent Passport's 51.5 (D), and leads in every scored category.

### Can an agent call Kite Agent Passport and Privy Wallets (server wallets, agent wallets, policy engine) without installing anything?

No hosted endpoint is listed for Kite Agent Passport. Privy Wallets (server wallets, agent wallets, policy engine) has a hosted endpoint at https://api.privy.io/v1.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.json, and with the fewest tokens: https://www.anchorterminal.com/compare/kite-agent-passport-vs-privy.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "kite-agent-passport", "b": "privy"}`. From a terminal: `anchor compare kite-agent-passport privy`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/kite-agent-passport.json and https://www.anchorterminal.com/api/v1/tools/privy.json

## Other comparisons with Kite Agent Passport or Privy Wallets (server wallets, agent wallets, policy engine)

- [Agentcard vs Kite Agent Passport](https://www.anchorterminal.com/compare/agentcard-vs-kite-agent-passport.md)
- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Kite Agent Passport](https://www.anchorterminal.com/compare/circle-wallets-vs-kite-agent-passport.md)
- [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)
- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Kite Agent Passport](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-kite-agent-passport.md)
- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-privy.md)
- [Kite Agent Passport vs Openfort](https://www.anchorterminal.com/compare/kite-agent-passport-vs-openfort.md)
- [Kite Agent Passport vs Sponge Wallet](https://www.anchorterminal.com/compare/kite-agent-passport-vs-sponge-wallet.md)
- [Kite Agent Passport vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/kite-agent-passport-vs-turnkey-agentic-wallets.md)
- [Openfort vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/openfort-vs-privy.md)
- [Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet](https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md)
- [Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.md)
- [Agentcard vs Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/agentcard-vs-privy.md)