{ "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": "2026-10-09T11:46:37.905011936Z", "lastOk": true, "lastStatus": 404, "lastMs": 33, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 38, "p95ms24h": 80, "samples24h": 259, "samples30d": 2311, "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": 125, "ok": 125 } ] }, "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": "2026-10-09T11:46:37.905011936Z" } }, "answer": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Privy Wallets (server wallets, agent wallets, policy engine)'s 69.9 (B), and leads in 5 of 7 scored categories.", "b": { "slug": "turnkey-agentic-wallets", "name": "Turnkey Agentic Wallets", "vendor": "Turnkey Global, Inc.", "vendorUrl": "https://www.turnkey.com", "kind": "http-api", "category": "agent-wallets", "summary": "Turnkey's signing API gives an AI agent its own non-root user and P-256 key over a company wallet. Policies evaluated in secure enclaves set what the agent may sign, and can require a person's approval.", "url": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets", "markdownUrl": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json", "repo": "https://github.com/tkhq/turnkey-agent-skills", "license": "Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0", "transports": [ "http" ], "remoteUrl": "https://api.turnkey.com", "packages": [ { "registry": "npm", "name": "@turnkey/sdk-server" }, { "registry": "npm", "name": "@turnkey/viem" }, { "registry": "pypi", "name": "turnkey-http" } ], "auth": "api-key", "authNotes": "Self-serve. A person creates an organisation at app.turnkey.com with an email address and a passkey, then registers a P-256 public key. Every request is a JSON POST signed with that key in an `X-Stamp` header. There are no bearer tokens. An agent gets its own non-root user and key, created through the API by a root user, and can do only what policies allow.", "pricing": "freemium", "pricingNotes": "25 free signatures a month on Pay as You Go, then $0.10 a signature. Pro is $99 a month and $0.05 a signature. Enterprise is custom, from $0.0015 a signature, and adds gas sponsorship, SLAs and up to 250 policies. The free allowance needs no card, so an agent can start without a contract. Transaction management and swaps are priced per transaction on request (https://www.turnkey.com/pricing, checked 2026-10-08).", "priceSummary": "$0.10 / call", "where": "hosted", "x402": { "level": "partial", "evidence": "Turnkey documents paying over x402 and MPP as a buyer. A viem account from `@turnkey/viem` signs in the enclave and is passed to the `@x402/fetch` or `mppx` client. Turnkey's own API is not paid over either protocol (https://docs.turnkey.com/solutions/company-wallets/agentic-payments, checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 304389, "pypiWeekly": 11903, "asOf": "2026-10-08" }, "docsUrl": "https://docs.turnkey.com/solutions/company-wallets/agentic-wallets", "llmsTxt": "https://docs.turnkey.com/llms.txt", "openapi": "https://docs.turnkey.com/public_api.swagger.json", "capabilities": [ "wallet.onchain", "wallet.spend-limits", "wallet.custody", "payments.x402" ], "tags": [ "hosted", "freemium", "free-tier", "openapi", "llms-txt", "typescript", "go", "python", "rust", "ruby", "wallet", "policy-engine", "x402", "status-page", "bug-bounty", "soc2", "closed-source", "webhooks", "skills" ], "lastRelease": "2026-10-08", "graded": true, "anchor": { "graded": true, "score": 76, "grade": "BB", "agentReady": true, "rank": 38, "ranked": true, "rankOf": 842, "categoryRank": 1, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 77, "maintenance": 83, "payments": 58, "reliability": 75, "schema": 79, "security": 85, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026.", "bestFor": "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.", "strengths": [ "Non-root users have no permissions until an ALLOW policy exists, and any matching DENY policy wins", "Consensus expressions can require the agent and a named person to approve before the enclave signs", "API private keys are generated by the customer and never sent to Turnkey. Keys can carry an expiry", "Submissions are idempotent by request body, so a retry with the same body returns the same activity", "Public Swagger 2.0 spec with 186 paths, llms.txt, a full-text docs feed and nine Apache-2.0 agent skills" ], "weaknesses": [ "Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language", "Free, Pay as You Go and Pro organisations are limited to five policies and a default of 1 to 3 requests a second", "Root users bypass the policy engine entirely, and the first user of a new organisation is root", "Signing endpoints returned elevated errors from 00:44 to 05:53 EDT on 27 August 2026", "429 responses carry no `Retry-After` header, and the terms forbid benchmarking and availability monitoring" ], "agentNotes": [ "Use a non-root user's key. Refuse root credentials for unattended work, because root bypasses every policy", "Scope every signing ALLOW policy by `wallet.id` or `wallet_account.address`, or it covers every key the user can reach", "Check the activity status on each response. `ACTIVITY_STATUS_CONSENSUS_NEEDED` means a person must approve within 24 hours", "Retry with the identical body to stay idempotent. Changing `timestampMs` creates a new activity", "Back off with jitter on 429 and poll `get_activity` sparingly, since polling counts against the same 1 to 3 requests a second" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "BB", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 76 } ], "editorialScores": { "ergonomics": 77, "maintenance": 83, "payments": 58, "reliability": 75, "schema": 79, "security": 85, "transparency": 50 }, "provenanceScore": 94 }, "connect": { "install": "npm install @turnkey/sdk-server", "claudeCode": "claude mcp add --transport http turnkey https://docs.turnkey.com/mcp" }, "letme": { "capability": "https://letme.dev/wallet.onchain", "tool": "https://letme.dev/turnkey-agentic-wallets" }, "area": "payments", "unitPrices": [ { "item": "Signature, Pay as You Go", "unit": "call", "usd": 0.1, "note": "after 25 free signatures a month" }, { "item": "Pro plan", "unit": "month", "usd": 99, "note": "monthly minimum, up to 2,000 wallets" }, { "item": "Signature, Pro", "unit": "call", "usd": 0.05, "note": "per signature on the Pro plan" } ], "provenance": { "legalEntity": "Turnkey Global, Inc.", "domain": "turnkey.com", "domainRegistered": "1994-12-20", "endpointOnVendorDomain": true, "terms": "https://www.turnkey.com/legal/terms", "privacy": "https://www.turnkey.com/legal/privacy", "statusPage": "https://www.turnkey-status.com", "changelog": "https://github.com/tkhq/sdk/blob/main/packages/sdk-server/CHANGELOG.md", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The terms of service (updated 6 August 2026) are the agreement for the services and the API. They name Turnkey Global, Inc., give 15 W. 18th Street, New York as the notice address and choose New York law.", "The terms have a section on automated and AI-mediated access. It treats agents using a customer's credentials as authorised users and makes the customer responsible for their actions.", "The privacy policy (updated 29 June 2026) covers the services and says Turnkey is a processor where it serves a business customer's users.", "The API answers at api.turnkey.com. The status page is on a second domain, turnkey-status.com, hosted by Atlassian Statuspage.", "www.turnkey.com/.well-known/security.txt gives a policy URL, a contact form, security@turnkey.com and a PGP key. It has no Expires field.", "No changelog for the API was found in the docs. The link is the server SDK's changelog on GitHub.", "RDAP for turnkey.com gives a registration date of 1994-12-20." ], "score": 94 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/turnkey-agentic-wallets.json", "live": { "slug": "turnkey-agentic-wallets", "probe": { "target": "https://api.turnkey.com", "method": "get", "lastAt": "2026-10-09T11:46:43.99168788Z", "lastOk": true, "lastStatus": 404, "lastMs": 81, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 92, "p95ms24h": 160, "samples24h": 44, "samples30d": 44, "days": [ { "date": "2026-10-09", "probes": 44, "ok": 44 } ] }, "vendorStatus": { "page": "https://www.turnkey-status.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-09T11:41:07.100093436Z" }, "updatedAt": "2026-10-09T11:46:43.99168788Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Privy (Stripe)", "b": "Turnkey Global, Inc.", "name": "Vendor" }, { "a": "https://api.privy.io/v1", "b": "https://api.turnkey.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "API key", "name": "Auth" }, { "a": "Freemium", "b": "Freemium", "name": "Pricing" }, { "a": "payer tooling only", "b": "payer tooling only", "name": "x402" }, { "a": "none", "b": "Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-28", "b": "2026-10-08", "name": "Last release" }, { "a": "2025-12-16", "b": "2026-08-06", "name": "Terms last updated" }, { "a": "no date given", "b": "2026-06-29", "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": "yes", "name": "Terms restrict automated access" }, { "a": "yes", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "296k npm/wk, 13k PyPI/wk", "b": "304k npm/wk, 12k PyPI/wk", "name": "Popularity" }, { "a": "3.5/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Privy Wallets (server wallets, agent wallets, policy engine)'s 69.9 (B), and leads in 5 of 7 scored categories.", "question": "Which is better for AI agents, Privy Wallets (server wallets, agent wallets, policy engine) or Turnkey Agentic Wallets?" }, { "answer": "Privy Wallets (server wallets, agent wallets, policy engine) takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.", "question": "Do Privy Wallets (server wallets, agent wallets, policy engine) and Turnkey Agentic Wallets 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 Turnkey Agentic Wallets at https://api.turnkey.com.", "question": "Can an agent call Privy Wallets (server wallets, agent wallets, policy engine) and Turnkey Agentic Wallets without installing anything?" } ], "goodFor": [ { "aheadOn": null, "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": [ "Reliability, 75 against 48" ], "also": [ "Agent-ready, a grade of BB or better" ], "goodFor": "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.", "slug": "turnkey-agentic-wallets", "watchFor": "Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language" } ], "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-turnkey-agentic-wallets.json", "title": "Circle Wallets (Agent Wallets, Programmable Wallets) vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets" }, { "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-turnkey-agentic-wallets.json", "title": "Coinbase Developer Platform (Agentic Wallet, AgentKit, CDP MCP) vs Turnkey Agentic Wallets", "url": "https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-turnkey-agentic-wallets" }, { "json": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.json", "title": "Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet", "url": "https://www.anchorterminal.com/compare/privy-vs-sponge-wallet" }, { "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": 27, "edge": "turnkey-agentic-wallets", "key": "reliability", "name": "Reliability", "privy": 48, "turnkey-agentic-wallets": 75, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 4, "edge": "privy", "key": "schema", "name": "Schema \u0026 documentation", "privy": 83, "turnkey-agentic-wallets": 79, "weight": 13 }, { "by": 4, "edge": "turnkey-agentic-wallets", "key": "ergonomics", "name": "Agent ergonomics", "privy": 73, "turnkey-agentic-wallets": 77, "weight": 13 }, { "by": 0, "edge": "", "key": "security", "name": "Security \u0026 auth", "privy": 85, "turnkey-agentic-wallets": 85, "weight": 14 }, { "by": 3, "edge": "turnkey-agentic-wallets", "key": "payments", "name": "Payments \u0026 pricing", "privy": 55, "turnkey-agentic-wallets": 58, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 3, "edge": "turnkey-agentic-wallets", "key": "maintenance", "name": "Maintenance \u0026 community", "privy": 80, "turnkey-agentic-wallets": 83, "weight": 7 }, { "by": 1, "edge": "turnkey-agentic-wallets", "key": "transparency", "name": "Transparency \u0026 trust", "privy": 71, "turnkey-agentic-wallets": 72, "weight": 7 } ], "summary": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Privy Wallets (server wallets, agent wallets, policy engine)'s 69.9 (B), and leads in 5 of 7 scored categories. 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.", "turnkey-agentic-wallets": "An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets", "json": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.md", "slim": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.min.md" }, "markdown": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Privy Wallets (server wallets, agent wallets, policy engine)'s 69.9 (B), and leads in 5 of 7 scored categories. 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- Turnkey Agentic Wallets: grade BB, 76/100, rank #38 of 842. Markdown https://www.anchorterminal.com/tools/turnkey-agentic-wallets.md · JSON https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.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\nWatch for: Database problems took API endpoints down for 71 minutes on 18 September 2026, one of 13 incidents since July\n\n### Turnkey Agentic Wallets (BB)\n\nGood 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.\n\nAhead on:\n- Reliability, 75 against 48\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n\nWatch for: Policy conditions cap value per transaction. No daily, rolling or cumulative spending limit was found in the policy language\n\n\n## Score by category\n\n| Category | Weight | Privy Wallets (server wallets, agent wallets, policy engine) | Turnkey Agentic Wallets | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 48 | 75 | Turnkey Agentic Wallets +27 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 83 | 79 | Privy Wallets (server wallets, agent wallets, policy engine) +4 |\n| Agent ergonomics | 13% (16.2 this run) | 73 | 77 | Turnkey Agentic Wallets +4 |\n| Security \u0026 auth | 14% (17.5 this run) | 85 | 85 | even |\n| Payments \u0026 pricing | 10% (12.5 this run) | 55 | 58 | Turnkey Agentic Wallets +3 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 80 | 83 | Turnkey Agentic Wallets +3 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 71 | 72 | Turnkey Agentic Wallets +1 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.9 · B** | **76 · BB** | |\n\n## Facts side by side\n\n| Fact | Privy Wallets (server wallets, agent wallets, policy engine) | Turnkey Agentic Wallets |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Privy (Stripe) | Turnkey Global, Inc. |\n| Hosted endpoint | `https://api.privy.io/v1` | `https://api.turnkey.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | API key |\n| Pricing | Freemium | Freemium |\n| x402 | payer tooling only | payer tooling only |\n| Licence | none | Proprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0 |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-28 | 2026-10-08 |\n| Terms last updated | 2025-12-16 | 2026-08-06 |\n| Privacy policy last updated | no date given | 2026-06-29 |\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 | yes |\n| Terms restrict benchmarking | yes | yes |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | 296k npm/wk, 13k PyPI/wk | 304k npm/wk, 12k 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**Turnkey Agentic Wallets.** An agent gets a non-root user that can sign nothing until a policy allows it, with DENY rules taking precedence and human co-approval available. Policies cap value per transaction only, with no daily or rolling limit found, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 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### Turnkey Agentic Wallets\n\n1. Use a non-root user's key. Refuse root credentials for unattended work, because root bypasses every policy\n2. Scope every signing ALLOW policy by `wallet.id` or `wallet_account.address`, or it covers every key the user can reach\n3. Check the activity status on each response. `ACTIVITY_STATUS_CONSENSUS_NEEDED` means a person must approve within 24 hours\n4. Retry with the identical body to stay idempotent. Changing `timestampMs` creates a new activity\n5. Back off with jitter on 429 and poll `get_activity` sparingly, since polling counts against the same 1 to 3 requests a second\n\n## Questions\n\n### Which is better for AI agents, Privy Wallets (server wallets, agent wallets, policy engine) or Turnkey Agentic Wallets?\n\nTurnkey Agentic Wallets scores 76 (BB) on agent readiness against Privy Wallets (server wallets, agent wallets, policy engine)'s 69.9 (B), and leads in 5 of 7 scored categories.\n\n### Do Privy Wallets (server wallets, agent wallets, policy engine) and Turnkey Agentic Wallets need an API key?\n\nPrivy Wallets (server wallets, agent wallets, policy engine) takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.\n\n### Can an agent call Privy Wallets (server wallets, agent wallets, policy engine) and Turnkey Agentic Wallets without installing anything?\n\nYes. Privy Wallets (server wallets, agent wallets, policy engine) has a hosted endpoint at https://api.privy.io/v1 and Turnkey Agentic Wallets at https://api.turnkey.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.json, and with the fewest tokens: https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"privy\", \"b\": \"turnkey-agentic-wallets\"}`. From a terminal: `anchor compare privy turnkey-agentic-wallets`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/privy.json and https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json\n\n## Other comparisons with Privy Wallets (server wallets, agent wallets, policy engine) or Turnkey Agentic Wallets\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 Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/circle-wallets-vs-turnkey-agentic-wallets.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 Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-turnkey-agentic-wallets.md)\n- [Privy Wallets (server wallets, agent wallets, policy engine) vs Sponge Wallet](https://www.anchorterminal.com/compare/privy-vs-sponge-wallet.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 Turnkey Agentic Wallets", "url": "" } ], "description": "Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Privy Wallets (server wallets, agent wallets, policy engine)'s 69.9 (B), and leads in 5 of 7 scored categories. Both do wallet onchain. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Privy Wallets (server wallets, agent wallets, policy engine) B 69.9", "Turnkey Agentic Wallets BB 76", "scores" ], "h1": "Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets", "image": "https://www.anchorterminal.com/assets/og/compare-privy-vs-turnkey-agentic-wallets.png", "path": "/compare/privy-vs-turnkey-agentic-wallets", "published": "2026-10-01", "section": "tools", "title": "Privy Wallets vs Turnkey Agentic Wallets | Anchor Terminal", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/privy-vs-turnkey-agentic-wallets" }, "tokens": { "markdown": 2250, "slim": 680 }, "version": 1 }