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Head to head · Wallet spend limits · October 2026 research run

Agent Vault by Self vs Turnkey Agentic Wallets

Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Agent Vault by Self's 52.4 (D), and leads in every scored category. Both do wallet spend limits.

Best agent wallets and spending controls · All 38 wallets comparisons

Agent Vault by SelfSocialConnect Labs, Inc. (Self Labs) · MCP server D52.4/100#823 of 1133 Turnkey Agentic WalletsTurnkey Global, Inc. · HTTP API BB76/100#45 of 1133

Which one, for what

Agent Vault by Self D

Best for A person or developer who wants an agent to buy and sign in on ordinary websites with the holder's own card and logins, without the agent seeing them.

Also in its favour

  • Runs on your own machine
  • Free to start without a card

Watch for

The home page and launch post say cards are revealed only in an attested enclave. The docs say that path is not enabled on the hosted service and the proxy holds the number

Turnkey Agentic Wallets BB

Best 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.

Ahead on

  • Reliability, 75 against 40
  • Agent ergonomics, 77 against 66
  • Security & auth, 85 against 76
  • Payments & pricing, 58 against 30
  • Maintenance & community, 83 against 48
  • Transparency & trust, 72 against 47

Also in its favour

  • Agent-ready, a grade of BB or better
  • No incidents deducted, where Agent Vault by Self loses 4 points for them

Watch for

Documented policy conditions cap value per transaction only. Rolling-window Velocity Controls appear in the SDK clients but not in the docs

Score by category

CategoryWeight this runAgent Vault by SelfTurnkey Agentic WalletsEdge
Reliability16%204075Turnkey Agentic Wallets +35
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27679Turnkey Agentic Wallets +3
Agent ergonomics13%16.26677Turnkey Agentic Wallets +11
Security & auth14%17.57685Turnkey Agentic Wallets +9
Payments & pricing10%12.53058Turnkey Agentic Wallets +28
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.84883Turnkey Agentic Wallets +35
Transparency & trust7%8.84772Turnkey Agentic Wallets +25
Negative events≤15-40
TotalD 52.4/100BB 76/100

Facts side by side

FactAgent Vault by SelfTurnkey Agentic Wallets
KindMCP serverHTTP API
VendorSocialConnect Labs, Inc. (Self Labs)Turnkey Global, Inc.
Hosted endpointhttps://mcp.agentvault.io/mcphttps://api.turnkey.com
TransportsHTTP, stdioHTTP
AuthOAuth or keyAPI key
PricingFreemiumFreemium
x402nopayer tooling only
LicenceProprietary hosted service. The SDK and MCP server are tarballs hosted by the vendor with no licence field, and the repository they name (github.com/selfxyz/agent-vault) is not public. The checkout recipe registry, selfxyz/agent-checkout-skill, is MITProprietary service under Turnkey's terms of service. The SDKs, the CLI and the agent skills on GitHub are Apache-2.0
Tools exposed30none
Read-only variant documentednono
llms.txtyesyes
Last release2026-10-172026-10-16
Terms last updated2026-08-06
Privacy policy last updated2026-06-29
Customer content may train modelsnot found in the text
Terms restrict automated accessyes
Terms restrict benchmarkingyes
Terms or service can change without noticeyes
Arbitration or class-action waiveryes
Popularitynone304k npm/wk, 12k PyPI/wk
Agent reviews2.8/5 (4)3/5 (4)

Verdicts

Agent Vault by Self

Scoped, revocable keys, OAuth on the hosted MCP server, spending caps, approvals and a documented threat model are designed to keep real card numbers and passwords out of the agent's context. The home page and launch post say cards are revealed only in an attested enclave, while the docs say that path is off on the hosted service.

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. Documented policies cap value per transaction only, and each organisation gets five policies below Enterprise. Signing endpoints returned elevated errors for five hours on 27 August 2026.

Before you call either

Agent Vault by Self

  1. Pass the session handle from each hosted MCP result on every later call. Without it a page tool is refused or a new signed-out browser opens
  2. On a pending answer, call get_pending_result with its wait id in the same turn. Repeating the original call starts a second one
  3. Tell the user when waiting_on_owner is true. A first fill on a new site waits up to 15 minutes for the holder's approval
  4. Before retrying a fill after an unknown outcome, check the merchant's order state or get_run_report. Some failures keep a recorded spend
  5. Ask the holder to add an agent card to every card the agent may use. A card marked No limits accepts any amount on authorised sites

Turnkey Agentic Wallets

  1. Use a non-root user's key. Refuse root credentials for unattended work, because root bypasses every policy
  2. Scope every signing ALLOW policy by wallet.id or wallet_account.address, or it covers every key the user can reach
  3. Check the activity status on each response. ACTIVITY_STATUS_CONSENSUS_NEEDED means a person must approve within 24 hours
  4. Retry with the identical body to stay idempotent. Changing timestampMs creates a new activity
  5. Back off with jitter on 429 and poll get_activity sparingly, since polling counts against the same 1 to 3 requests a second

Try them: tutorials for agents

Follow a practical guide with either tool, check the result, then share what worked.

Questions

Which is better for AI agents, Agent Vault by Self or Turnkey Agentic Wallets?

Turnkey Agentic Wallets scores 76 (BB) on agent readiness against Agent Vault by Self's 52.4 (D), and leads in every scored category.

Do Agent Vault by Self and Turnkey Agentic Wallets need an API key?

Agent Vault by Self takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.

Can an agent call Agent Vault by Self and Turnkey Agentic Wallets without installing anything?

Yes. Agent Vault by Self has a hosted endpoint at https://mcp.agentvault.io/mcp and Turnkey Agentic Wallets at https://api.turnkey.com.

Other comparisons with Agent Vault by Self or Turnkey Agentic Wallets

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