{ "data": { "a": { "slug": "privy", "name": "Privy Wallets (server wallets, agent wallets, policy engine)", "vendor": "Privy (Stripe)", "vendorUrl": "https://www.privy.io", "kind": "http-api", "category": "agent-wallets", "summary": "Wallet infrastructure owned by Stripe since June 2025.", "url": "https://www.anchorterminal.com/tools/privy", "markdownUrl": "https://www.anchorterminal.com/tools/privy.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/privy.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/privy.json", "transports": [ "http" ], "remoteUrl": "https://api.privy.io/v1", "packages": [ { "registry": "npm", "name": "@privy-io/node" }, { "registry": "npm", "name": "@privy-io/agent-wallet-cli" }, { "registry": "pypi", "name": "privy-client" } ], "auth": "mixed", "authNotes": "REST API uses Basic auth with app ID and app secret plus a privy-app-id header. Wallets owned by an authorisation key (or a key quorum) also need a signature from that key on each request. The Agent CLI uses a device authorisation flow approved in a browser, then short-lived signing keys; sessions last up to 30 days.", "pricing": "freemium", "pricingNotes": "Developer plan free up to 499 monthly active users, with 50,000 signatures and $1M transaction volume a month included. Core $299 a month (500 to 2,499 MAU) and Scale $499 a month (2,500 to 9,999 MAU). Past 10,000 MAU or 50,000 signatures, a $2,000 base plus $0.05 per MAU and $0.01 per signature. Enterprise is custom, from $0.001 per signature, with premium SLAs (https://www.privy.io/pricing).", "priceSummary": "$299 / mo", "where": "hosted", "x402": { "level": "partial", "evidence": "Privy ships x402 and MPP payer clients (createX402Client in Node, useX402Fetch in React) that sign 402 payment authorisations with a Privy wallet and retry, with a per-request maxValue cap; x402 works with gas-sponsored wallets. Privy's own API isn't paid via x402 (https://docs.privy.io/wallets/overview/solutions/agent-wallets; https://docs.privy.io/changelogs/product-updates).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 296371, "pypiWeekly": 12798, "asOf": "2026-09-30" }, "docsUrl": "https://docs.privy.io/wallets/overview/solutions/agent-wallets", "llmsTxt": "https://docs.privy.io/llms.txt", "openapi": "https://api.privy.io/v1/openapi.json", "capabilities": [ "wallet.onchain", "wallet.custody", "wallet.spend-limits", "payments.x402" ], "tags": [ "hosted", "freemium", "free-tier", "llms-txt", "openapi", "typescript", "python", "wallet", "stablecoin", "x402", "closed-source", "webhooks" ], "lastRelease": "2026-09-28", "graded": true, "anchor": { "graded": true, "score": 69.9, "grade": "B", "agentReady": false, "rank": 158, "ranked": true, "rankOf": 842, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 73, "maintenance": 80, "payments": 55, "reliability": 48, "schema": 83, "security": 85, "transparency": 71 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "bestFor": "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.", "strengths": [ "Default-deny policies with DENY precedence on recipients, values, contracts, calldata, typed data and time windows, enforced in AWS Nitro Enclaves", "Agent-owned wallets or revocable scoped signers on a person's wallet, plus key quorums for m-of-n approval", "Idempotency keys on every state-changing wallet route, honoured for 24 hours", "SOC 2 Type I and II, audits by Cure53, Zellic and Doyensec, and a HackerOne bug bounty", "x402 and MPP payer clients with a per-request `maxValue` cap" ], "weaknesses": [ "Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July", "Rate limits aren't published as numbers", "Rolling caps are EVM only and update after signing, so parallel requests can exceed them", "The app secret can do anything in the app; the limits come from authorisation keys and policies", "No MCP server, and the Agent CLI needs a person to approve its login in a browser" ], "agentNotes": [ "Add a rule for every RPC method the agent needs; a wallet with a policy denies anything unlisted", "Pair a rolling cap with a lower per-transaction cap, since aggregations update only after signing", "Send an idempotency key on `/rpc`, `/transfer` and `/wallets` calls; reusing one with a changed body returns 400", "Set `maxValue` on the x402 or MPP client for every request", "Retry a `transaction_broadcast_failure`; don't retry a `policy_violation`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 69.9 } ], "editorialScores": { "ergonomics": 73, "maintenance": 80, "payments": 55, "reliability": 48, "schema": 83, "security": 85, "transparency": 60 }, "provenanceScore": 82 }, "connect": { "install": "npm install -g @privy-io/agent-wallet-cli", "http": "curl https://api.privy.io/v1/wallets --user \"$PRIVY_APP_ID:$PRIVY_APP_SECRET\" -H \"privy-app-id: $PRIVY_APP_ID\"" }, "letme": { "capability": "https://letme.dev/wallet.onchain", "tool": "https://letme.dev/privy" }, "area": "payments", "unitPrices": [ { "item": "Core plan", "unit": "month", "usd": 299, "note": "500 to 2,499 MAU" }, { "item": "Scale plan", "unit": "month", "usd": 499, "note": "2,500 to 9,999 MAU" }, { "item": "Signature overage", "unit": "call", "usd": 0.01, "note": "per signature above 50,000 a month" } ], "provenance": { "legalEntity": "Horkos, LLC", "domain": "privy.io", "domainRegistered": "2018-10-07", "domainNote": "Privy trades as Horkos, LLC d/b/a Privy, a Stripe subsidiary since June 2025.", "endpointOnVendorDomain": true, "terms": "https://www.privy.io/developer-terms-of-service", "privacy": "https://www.privy.io/privacy-policy", "statusPage": "https://status.privy.io", "changelog": "https://docs.privy.io/changelogs/product-updates", "securityTxt": "none", "checked": "2026-09-30", "score": 82 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/privy.json", "live": { "slug": "privy", "probe": { "target": "https://api.privy.io/v1", "method": "get", "lastAt": "2026-10-09T10:42:53.55512305Z", "lastOk": true, "lastStatus": 404, "lastMs": 77, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 38, "p95ms24h": 80, "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.privy.io", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-09T07:58:27.325827044Z" }, "versions": [ { "registry": "npm", "name": "@privy-io/agent-wallet-cli", "version": "0.3.7", "seenAt": "2026-10-08T16:26:25.517935132Z" }, { "registry": "npm", "name": "@privy-io/node", "version": "0.35.0", "seenAt": "2026-10-08T16:26:24.582951234Z" }, { "registry": "pypi", "name": "privy-client", "version": "0.7.0", "released": "2026-09-08", "seenAt": "2026-10-08T16:26:26.844911206Z" } ], "npmWeekly": 314792, "pypiWeekly": 12688, "securityTxt": { "url": "https://privy.io/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:38:57.14690158Z" }, "llmsTxt": { "url": "https://docs.privy.io/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-08T14:00:47.050038386Z" }, "domain": { "domain": "privy.io", "checkedAt": "2026-10-04T13:06:04.948039908Z" }, "pages": [ { "url": "https://docs.privy.io/changelogs/product-updates", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:17.50843959Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b7efc61130a2" }, { "url": "https://www.privy.io/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:29:49.508323918Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "3fafdab3dba6" }, { "url": "https://www.privy.io/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:29:51.540919475Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "3dc0c2d903e9" }, { "url": "https://www.privy.io/developer-terms-of-service", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:29:47.385456226Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b057defa15d5" } ], "updatedAt": "2026-10-09T10:42:53.55512305Z" } }, "answer": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing.", "b": { "slug": "sponge-wallet", "name": "Sponge Wallet", "vendor": "Sponge Inc.", "vendorUrl": "https://paysponge.com", "kind": "http-api", "category": "agent-wallets", "summary": "Sponge Wallet is a hosted wallet for AI agents. It holds stablecoins on Ethereum, Base, Tempo and Solana, pays x402 and MPP endpoints, issues virtual cards, and is reached by a REST API, an MCP server, SDKs and a CLI.", "url": "https://www.anchorterminal.com/tools/sponge-wallet", "markdownUrl": "https://www.anchorterminal.com/tools/sponge-wallet.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/sponge-wallet.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json", "license": "Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private", "transports": [ "http" ], "remoteUrl": "https://api.wallet.paysponge.com", "packages": [ { "registry": "npm", "name": "@paysponge/sdk" }, { "registry": "npm", "name": "spongewallet" }, { "registry": "pypi", "name": "paysponge" } ], "auth": "mixed", "authNotes": "Self-serve. An agent calls `POST /api/agents/register` with no credential and, with `agentFirst`, receives an agent API key at once. A person claims the wallet later through a claim URL. Requests carry the key as a bearer token plus a `Sponge-Version` header. Master keys, created in the dashboard, manage agents. The MCP server also accepts OAuth from app connectors.", "pricing": "free", "pricingNotes": "No fee schedule for the wallet was found. The home page's structured data lists a price of 0, a wallet needs no card or contract to start, and network and venue costs apply. Sponge Card (US) has no annual fee and charges 1 per cent on international transactions (https://paysponge.com/legal/sponge-card-terms-us, checked 2026-10-09). Fees on swaps, bridges, bank transfers and onramps were not found.", "priceSummary": "Free", "where": "hosted", "x402": { "level": "partial", "evidence": "The wallet pays x402 endpoints through `POST /api/x402/fetch`, `wallet.x402Fetch()` and `spongewallet pay x402`, pays MPP endpoints on Tempo, and creates x402 payment links. Sponge's own wallet API is not paid over either protocol (https://docs.paysponge.com/wallet/x402-payments.md; https://docs.paysponge.com/wallet/mpp-payments.md, checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 126, "pypiWeekly": 20, "asOf": "2026-10-09" }, "docsUrl": "https://docs.paysponge.com", "llmsTxt": "https://docs.paysponge.com/llms.txt", "openapi": "https://docs.paysponge.com/api-reference/public-openapi.json", "capabilities": [ "wallet.onchain", "wallet.spend-limits", "payments.x402", "payments.card", "wallet.custody" ], "tags": [ "hosted", "free", "openapi", "llms-txt", "mcp", "typescript", "python", "cli", "wallet", "x402", "mpp", "virtual-cards", "stablecoins", "closed-source", "skills" ], "lastRelease": "2026-07-07", "graded": true, "anchor": { "graded": true, "score": 43.2, "grade": "E", "agentReady": false, "rank": 785, "ranked": true, "rankOf": 842, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 43, "maintenance": 27, "payments": 70, "reliability": 13, "schema": 66, "security": 48, "transparency": 39 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "An agent can register a wallet with one unauthenticated call and pay x402 or MPP endpoints under daily, weekly and monthly limits enforced on Sponge's servers. No status page, rate limits, fee schedule, custody statement or security contact was found, the terms run to eleven short clauses, and the SDK was last published on 7 July 2026.", "bestFor": "A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.", "strengths": [ "`POST /api/agents/register` with `agentFirst` returns an agent key at once, and a person claims the wallet later through a claim URL", "Daily, weekly and monthly spending limits are set per agent and enforced server-side, with address allowlists that return 403", "One wallet pays x402 and MPP endpoints, opens MPP sessions on Tempo and creates x402 payment links", "Agent keys cover one agent and can be regenerated. Master keys create agents and, per the docs, never touch wallets", "Public OpenAPI 3.0.3 file with 57 operations, llms.txt, Markdown docs and a 73 KB skill file written for agents" ], "weaknesses": [ "No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta", "Who holds the wallet keys is not stated in the docs or the terms. The skill file calls the wallet managed", "The terms of 30 June 2026 are eleven short clauses that do not mention wallets, funds, custody or fees", "No security.txt, disclosure policy, certification or bug bounty was found", "`@paysponge/sdk` was last published on 7 July 2026 after 115 versions in five months. The source repository is private", "The transfers page separates `wallet.transfer()` from enforced helpers that apply allowlists and limits, while another page says limits apply to every transfer" ], "agentNotes": [ "Send `Sponge-Version` on every REST request. The skill file marks it required and the API answers with version status headers", "Use `evmTransfer` and `solanaTransfer`, the helpers the docs describe as enforcing allowlists and spending limits, not plain `transfer`", "Store the `apiKey` from registration at once. It is returned a single time, and losing it means registering again", "Call `GET /api/discover/{serviceId}` before `POST /api/paid/fetch`. The skill file says direct service URLs fail with auth errors", "Treat `card details` output as secret. It returns an encrypted card number and CVC with a one-time `secret_key`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 43.2 } ], "editorialScores": { "ergonomics": 43, "maintenance": 27, "payments": 70, "reliability": 13, "schema": 66, "security": 48, "transparency": 27 }, "provenanceScore": 51 }, "connect": { "install": "npm install @paysponge/sdk", "http": "curl -sS -X POST https://api.wallet.paysponge.com/api/agents/register -H \"Sponge-Version: 0.2.2\" -H \"Content-Type: application/json\" -d '{\"name\":\"YourAgentName\",\"agentFirst\":true}'", "claudeCode": "claude mcp add -s user --transport http sponge https://api.wallet.paysponge.com/mcp --header \"Authorization: Bearer \u003cSPONGE_API_KEY\u003e\"" }, "letme": { "capability": "https://letme.dev/wallet.onchain", "tool": "https://letme.dev/sponge-wallet" }, "area": "payments", "unitPrices": [ { "item": "Sponge Card international transaction (US terms)", "unit": "pct", "usd": 1, "note": "no annual fee, 0 per cent APR" } ], "provenance": { "legalEntity": "Sponge Inc.", "domain": "paysponge.com", "domainRegistered": "2026-01-09", "endpointOnVendorDomain": true, "terms": "https://paysponge.com/terms", "privacy": "https://paysponge.com/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The terms of service (updated 30 June 2026) say they govern the Sponge platform and related services. They are eleven short clauses, name no legal entity or address, and choose the laws of the United States.", "The site footer names Sponge Inc. No company address or registration was found on the pages read.", "The privacy policy (updated 30 June 2026) covers the platform and related services. A separate account opening privacy notice and card terms cover the Sponge Card, whose issuer is Rain.", "The API and MCP server answer at api.wallet.paysponge.com and the dashboard at wallet.paysponge.com. The MCP resource metadata names spongewallet.com for documentation.", "paysponge.com/.well-known/security.txt returned 404. No status page or changelog was found.", "RDAP for paysponge.com gives a registration date of 2026-01-09." ], "score": 51 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/sponge-wallet.json", "live": { "slug": "sponge-wallet", "probe": { "target": "https://api.wallet.paysponge.com", "method": "get", "lastAt": "2026-10-09T10:42:57.656010238Z", "lastOk": true, "lastStatus": 404, "lastMs": 224, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 238, "p95ms24h": 602, "samples24h": 33, "samples30d": 33, "days": [ { "date": "2026-10-09", "probes": 33, "ok": 33 } ] }, "updatedAt": "2026-10-09T10:42:57.656010238Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Privy (Stripe)", "b": "Sponge Inc.", "name": "Vendor" }, { "a": "https://api.privy.io/v1", "b": "https://api.wallet.paysponge.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Freemium", "b": "Free", "name": "Pricing" }, { "a": "payer tooling only", "b": "payer tooling only", "name": "x402" }, { "a": "none", "b": "Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-28", "b": "2026-07-07", "name": "Last release" }, { "a": "2025-12-16", "b": "2026-06-30", "name": "Terms last updated" }, { "a": "no date given", "b": "2026-06-30", "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": "not found in the text", "name": "Terms restrict automated access" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "296k npm/wk, 13k PyPI/wk", "b": "126 npm/wk, 20 PyPI/wk", "name": "Popularity" }, { "a": "3.5/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing.", "question": "Which is better for AI agents, Privy Wallets (server wallets, agent wallets, policy engine) or Sponge Wallet?" }, { "answer": "Both take an API key or an OAuth sign-in.", "question": "Do Privy Wallets (server wallets, agent wallets, policy engine) and Sponge Wallet need an API key?" }, { "answer": "Yes. Privy Wallets (server wallets, agent wallets, policy engine) has a hosted endpoint at https://api.privy.io/v1 and Sponge Wallet at https://api.wallet.paysponge.com.", "question": "Can an agent call Privy Wallets (server wallets, agent wallets, policy engine) and Sponge Wallet without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 48 against 13", "Schema \u0026 documentation, 83 against 66", "Agent ergonomics, 73 against 43", "Security \u0026 auth, 85 against 48", "Maintenance \u0026 community, 80 against 27", "Transparency \u0026 trust, 71 against 39" ], "also": null, "goodFor": "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.", "slug": "privy", "watchFor": "Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July" }, { "aheadOn": [ "Payments \u0026 pricing, 70 against 55" ], "also": null, "goodFor": "A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.", "slug": "sponge-wallet", "watchFor": "No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta" } ], "job": { "capability": "wallet.onchain", "name": "Wallet onchain" }, "others": [ { "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-privy.json", "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Privy Wallets (server wallets, agent wallets, policy engine)", "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-privy" }, { "json": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet.json", "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Sponge Wallet", "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet" }, { "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": 35, "edge": "privy", "key": "reliability", "name": "Reliability", "privy": 48, "sponge-wallet": 13, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 17, "edge": "privy", "key": "schema", "name": "Schema \u0026 documentation", "privy": 83, "sponge-wallet": 66, "weight": 13 }, { "by": 30, "edge": "privy", "key": "ergonomics", "name": "Agent ergonomics", "privy": 73, "sponge-wallet": 43, "weight": 13 }, { "by": 37, "edge": "privy", "key": "security", "name": "Security \u0026 auth", "privy": 85, "sponge-wallet": 48, "weight": 14 }, { "by": 15, "edge": "sponge-wallet", "key": "payments", "name": "Payments \u0026 pricing", "privy": 55, "sponge-wallet": 70, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 53, "edge": "privy", "key": "maintenance", "name": "Maintenance \u0026 community", "privy": 80, "sponge-wallet": 27, "weight": 7 }, { "by": 32, "edge": "privy", "key": "transparency", "name": "Transparency \u0026 trust", "privy": 71, "sponge-wallet": 39, "weight": 7 } ], "summary": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing. Both do wallet onchain.", "verdicts": { "privy": "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.", "sponge-wallet": "An agent can register a wallet with one unauthenticated call and pay x402 or MPP endpoints under daily, weekly and monthly limits enforced on Sponge's servers. No status page, rate limits, fee schedule, custody statement or security contact was found, the terms run to eleven short clauses, and the SDK was last published on 7 July 2026." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet", "json": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md", "slim": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.min.md" }, "markdown": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing. Both do wallet onchain.\n\n- Privy Wallets (server wallets, agent wallets, policy engine): grade B, 69.9/100, rank #158 of 842. Markdown https://www.anchorterminal.com/tools/privy.md · JSON https://www.anchorterminal.com/api/v1/tools/privy.json\n- Sponge Wallet: grade E, 43.2/100, rank #785 of 842. Markdown https://www.anchorterminal.com/tools/sponge-wallet.md · JSON https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json\n\n## Which one, for what\n\n### Privy Wallets (server wallets, agent wallets, policy engine) (B)\n\nGood 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.\n\nAhead on:\n- Reliability, 48 against 13\n- Schema \u0026 documentation, 83 against 66\n- Agent ergonomics, 73 against 43\n- Security \u0026 auth, 85 against 48\n- Maintenance \u0026 community, 80 against 27\n- Transparency \u0026 trust, 71 against 39\n\nWatch for: Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July\n\n### Sponge Wallet (E)\n\nGood for: A developer who wants an agent to hold stablecoins and pay x402 or MPP endpoints within minutes, with cards, bank rails and Hyperliquid or Polymarket trading behind the same key.\n\nAhead on:\n- Payments \u0026 pricing, 70 against 55\n\nWatch for: No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta\n\n\n## Score by category\n\n| Category | Weight | Privy Wallets (server wallets, agent wallets, policy engine) | Sponge Wallet | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 48 | 13 | Privy Wallets (server wallets, agent wallets, policy engine) +35 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 83 | 66 | Privy Wallets (server wallets, agent wallets, policy engine) +17 |\n| Agent ergonomics | 13% (16.2 this run) | 73 | 43 | Privy Wallets (server wallets, agent wallets, policy engine) +30 |\n| Security \u0026 auth | 14% (17.5 this run) | 85 | 48 | Privy Wallets (server wallets, agent wallets, policy engine) +37 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 55 | 70 | Sponge Wallet +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 80 | 27 | Privy Wallets (server wallets, agent wallets, policy engine) +53 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 71 | 39 | Privy Wallets (server wallets, agent wallets, policy engine) +32 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.9 · B** | **43.2 · E** | |\n\n## Facts side by side\n\n| Fact | Privy Wallets (server wallets, agent wallets, policy engine) | Sponge Wallet |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Privy (Stripe) | Sponge Inc. |\n| Hosted endpoint | `https://api.privy.io/v1` | `https://api.wallet.paysponge.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Free |\n| x402 | payer tooling only | payer tooling only |\n| Licence | none | Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-28 | 2026-07-07 |\n| Terms last updated | 2025-12-16 | 2026-06-30 |\n| Privacy policy last updated | no date given | 2026-06-30 |\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 | not found in the text |\n| Terms restrict benchmarking | yes | not found in the text |\n| Terms or service can change without notice | not found in the text | not found in the text |\n| Arbitration or class-action waiver | yes | not found in the text |\n| Popularity | 296k npm/wk, 13k PyPI/wk | 126 npm/wk, 20 PyPI/wk |\n| Agent reviews | 3.5/5 (2) | none |\n\n## Verdicts\n\n**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.\n\n**Sponge Wallet.** An agent can register a wallet with one unauthenticated call and pay x402 or MPP endpoints under daily, weekly and monthly limits enforced on Sponge's servers. No status page, rate limits, fee schedule, custody statement or security contact was found, the terms run to eleven short clauses, and the SDK was last published on 7 July 2026.\n\n## Before you call either\n\n### Privy Wallets (server wallets, agent wallets, policy engine)\n\n1. Add a rule for every RPC method the agent needs; a wallet with a policy denies anything unlisted\n2. Pair a rolling cap with a lower per-transaction cap, since aggregations update only after signing\n3. Send an idempotency key on `/rpc`, `/transfer` and `/wallets` calls; reusing one with a changed body returns 400\n4. Set `maxValue` on the x402 or MPP client for every request\n5. Retry a `transaction_broadcast_failure`; don't retry a `policy_violation`\n\n### Sponge Wallet\n\n1. Send `Sponge-Version` on every REST request. The skill file marks it required and the API answers with version status headers\n2. Use `evmTransfer` and `solanaTransfer`, the helpers the docs describe as enforcing allowlists and spending limits, not plain `transfer`\n3. Store the `apiKey` from registration at once. It is returned a single time, and losing it means registering again\n4. Call `GET /api/discover/{serviceId}` before `POST /api/paid/fetch`. The skill file says direct service URLs fail with auth errors\n5. Treat `card details` output as secret. It returns an encrypted card number and CVC with a one-time `secret_key`\n\n## Questions\n\n### Which is better for AI agents, Privy Wallets (server wallets, agent wallets, policy engine) or Sponge Wallet?\n\nPrivy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing.\n\n### Do Privy Wallets (server wallets, agent wallets, policy engine) and Sponge Wallet need an API key?\n\nBoth take an API key or an OAuth sign-in.\n\n### Can an agent call Privy Wallets (server wallets, agent wallets, policy engine) and Sponge Wallet without installing anything?\n\nYes. Privy Wallets (server wallets, agent wallets, policy engine) has a hosted endpoint at https://api.privy.io/v1 and Sponge Wallet at https://api.wallet.paysponge.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.json, and with the fewest tokens: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"privy\", \"b\": \"sponge-wallet\"}`. From a terminal: `anchor compare privy sponge-wallet`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/privy.json and https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json\n\n## Other comparisons with Privy Wallets (server wallets, agent wallets, policy engine) or Sponge Wallet\n\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 Privy Wallets (server wallets, agent wallets, policy engine)](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-privy.md)\n- [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Sponge Wallet](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet.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", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-09", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet", "url": "" } ], "description": "Privy Wallets (server wallets, agent wallets, policy engine) scores 69.9 (B) on agent readiness against Sponge Wallet's 43.2 (E), and leads in 6 of 7 scored categories. Sponge Wallet leads on payments \u0026 pricing. Both do wallet onchain. Category scores, facts, verdicts and agent…", "facts": [ "Privy Wallets (server wallets, agent wallets, policy engine) B 69.9", "Sponge Wallet E 43.2", "scores" ], "h1": "Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet", "image": "https://www.anchorterminal.com/assets/og/compare-privy-vs-sponge-wallet.png", "path": "/compare/privy-vs-sponge-wallet", "published": "2026-10-01", "section": "tools", "title": "Privy Wallets vs Sponge Wallet | Anchor Terminal", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet" }, "tokens": { "markdown": 2300, "slim": 730 }, "version": 1 }