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

> 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…

- Full: https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.md (~2,300 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.json · canonical https://www.anchorterminal.com/compare/privy-vs-sponge-wallet
- Index: https://www.anchorterminal.com/llms.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): B 69.9, rank #158 of 842 · https://www.anchorterminal.com/tools/privy.min.md
- Sponge Wallet: E 43.2, rank #785 of 842 · https://www.anchorterminal.com/tools/sponge-wallet.min.md
- 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, 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.
- Sponge Wallet, 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.

| Category | Privy Wallets (server wallets, agent wallets, policy engine) | Sponge Wallet |
| --- | --- | --- |
| Reliability (16%) | 48 | 13 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 83 | 66 |
| Agent ergonomics (13%) | 73 | 43 |
| Security & auth (14%) | 85 | 48 |
| Payments & pricing (10%) | 55 | 70 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 80 | 27 |
| Transparency & trust (7%) | 71 | 39 |

| Fact (where they differ) | Privy Wallets (server wallets, agent wallets, policy engine) | Sponge Wallet |
| --- | --- | --- |
| Vendor | Privy (Stripe) | Sponge Inc. |
| Hosted endpoint | `https://api.privy.io/v1` | `https://api.wallet.paysponge.com` |
| Pricing | Freemium | Free |
| 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 |
| 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 |
| Terms restrict benchmarking | yes | 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 |