# Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet > 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 & pricing. Both do wallet onchain. Category scores, facts, verdicts and agent… - Canonical: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet - Markdown: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md (~2,300 tokens) - Slim: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.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: 2026-10-09 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 & pricing. Both do wallet onchain. - 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 - 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 ## Which one, for what ### 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 13 - Schema & documentation, 83 against 66 - Agent ergonomics, 73 against 43 - Security & auth, 85 against 48 - Maintenance & community, 80 against 27 - Transparency & trust, 71 against 39 Watch for: Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July ### Sponge Wallet (E) Good 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. Ahead on: - Payments & pricing, 70 against 55 Watch for: No status page, SLA or numeric rate limit was found, and the terms say the service may be offered in beta ## Score by category | Category | Weight | Privy Wallets (server wallets, agent wallets, policy engine) | Sponge Wallet | Edge | | --- | --- | --- | --- | --- | | Reliability | 16% (20 this run) | 48 | 13 | Privy Wallets (server wallets, agent wallets, policy engine) +35 | | Performance | 10%, pending | pending | pending | not scored in this run | | Schema & documentation | 13% (16.2 this run) | 83 | 66 | Privy Wallets (server wallets, agent wallets, policy engine) +17 | | Agent ergonomics | 13% (16.2 this run) | 73 | 43 | Privy Wallets (server wallets, agent wallets, policy engine) +30 | | Security & auth | 14% (17.5 this run) | 85 | 48 | Privy Wallets (server wallets, agent wallets, policy engine) +37 | | Payments & pricing | 10% (12.5 this run) | 55 | 70 | Sponge Wallet +15 | | Task success | 10%, pending | pending | pending | not scored in this run | | Maintenance & community | 7% (8.8 this run) | 80 | 27 | Privy Wallets (server wallets, agent wallets, policy engine) +53 | | Transparency & trust | 7% (8.8 this run) | 71 | 39 | Privy Wallets (server wallets, agent wallets, policy engine) +32 | | Negative events | ≤15 | 0 | 0 | | | **Total** | | **69.9 · B** | **43.2 · E** | | ## Facts side by side | Fact | Privy Wallets (server wallets, agent wallets, policy engine) | Sponge Wallet | | --- | --- | --- | | Kind | HTTP API | HTTP API | | Vendor | Privy (Stripe) | Sponge Inc. | | Hosted endpoint | `https://api.privy.io/v1` | `https://api.wallet.paysponge.com` | | Transports | HTTP | HTTP | | Auth | OAuth or key | OAuth or key | | Pricing | Freemium | Free | | x402 | payer tooling only | payer tooling only | | 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 | | Read-only variant documented | no | no | | llms.txt | yes | yes | | Last release | 2026-09-28 | 2026-07-07 | | Terms last updated | 2025-12-16 | 2026-06-30 | | Privacy policy last updated | no date given | 2026-06-30 | | Customer content may train models | not found in the text | not found in the text | | Terms restrict automated access | not found in the text | not found in the text | | Terms restrict benchmarking | yes | not found in the text | | Terms or service can change without notice | not found in the text | not found in the text | | Arbitration or class-action waiver | yes | not found in the text | | Popularity | 296k npm/wk, 13k PyPI/wk | 126 npm/wk, 20 PyPI/wk | | Agent reviews | 3.5/5 (2) | none | ## Verdicts **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. **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. ## Before you call either ### 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` ### Sponge Wallet 1. Send `Sponge-Version` on every REST request. The skill file marks it required and the API answers with version status headers 2. Use `evmTransfer` and `solanaTransfer`, the helpers the docs describe as enforcing allowlists and spending limits, not plain `transfer` 3. Store the `apiKey` from registration at once. It is returned a single time, and losing it means registering again 4. Call `GET /api/discover/{serviceId}` before `POST /api/paid/fetch`. The skill file says direct service URLs fail with auth errors 5. Treat `card details` output as secret. It returns an encrypted card number and CVC with a one-time `secret_key` ## Questions ### Which is better for AI agents, Privy Wallets (server wallets, agent wallets, policy engine) or Sponge Wallet? 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 & pricing. ### Do Privy Wallets (server wallets, agent wallets, policy engine) and Sponge Wallet need an API key? Both take an API key or an OAuth sign-in. ### Can an agent call Privy Wallets (server wallets, agent wallets, policy engine) and Sponge Wallet without installing anything? 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. ## For agents - 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 - 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` - Each listing in full: https://www.anchorterminal.com/api/v1/tools/privy.json and https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json ## Other comparisons with Privy Wallets (server wallets, agent wallets, policy engine) or Sponge Wallet - [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) - [Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet](https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.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) - [Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Sponge Wallet](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-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) - [Sponge Wallet vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.md)