{ "data": { "a": { "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": "2026-10-09T11:46:41.714992549Z", "lastOk": true, "lastStatus": 404, "lastMs": 229, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 234, "p95ms24h": 581, "samples24h": 44, "samples30d": 44, "days": [ { "date": "2026-10-09", "probes": 44, "ok": 44 } ] }, "updatedAt": "2026-10-09T11:46:41.714992549Z" } }, "answer": "Turnkey Agentic Wallets scores 76 (BB) 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": "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": "Sponge Inc.", "b": "Turnkey Global, Inc.", "name": "Vendor" }, { "a": "https://api.wallet.paysponge.com", "b": "https://api.turnkey.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "API key", "name": "Auth" }, { "a": "Free", "b": "Freemium", "name": "Pricing" }, { "a": "payer tooling only", "b": "payer tooling only", "name": "x402" }, { "a": "Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private", "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": "2026-07-07", "b": "2026-10-08", "name": "Last release" }, { "a": "2026-06-30", "b": "2026-08-06", "name": "Terms last updated" }, { "a": "2026-06-30", "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": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "126 npm/wk, 20 PyPI/wk", "b": "304k npm/wk, 12k PyPI/wk", "name": "Popularity" } ], "faq": [ { "answer": "Turnkey Agentic Wallets scores 76 (BB) 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, Sponge Wallet or Turnkey Agentic Wallets?" }, { "answer": "Sponge Wallet takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.", "question": "Do Sponge Wallet and Turnkey Agentic Wallets need an API key?" }, { "answer": "Yes. Sponge Wallet has a hosted endpoint at https://api.wallet.paysponge.com and Turnkey Agentic Wallets at https://api.turnkey.com.", "question": "Can an agent call Sponge Wallet and Turnkey Agentic Wallets without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Payments \u0026 pricing, 70 against 58" ], "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" }, { "aheadOn": [ "Reliability, 75 against 13", "Schema \u0026 documentation, 79 against 66", "Agent ergonomics, 77 against 43", "Security \u0026 auth, 85 against 48", "Maintenance \u0026 community, 83 against 27", "Transparency \u0026 trust, 72 against 39" ], "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-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/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-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/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/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" } ], "scores": [ { "by": 62, "edge": "turnkey-agentic-wallets", "key": "reliability", "name": "Reliability", "sponge-wallet": 13, "turnkey-agentic-wallets": 75, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 13, "edge": "turnkey-agentic-wallets", "key": "schema", "name": "Schema \u0026 documentation", "sponge-wallet": 66, "turnkey-agentic-wallets": 79, "weight": 13 }, { "by": 34, "edge": "turnkey-agentic-wallets", "key": "ergonomics", "name": "Agent ergonomics", "sponge-wallet": 43, "turnkey-agentic-wallets": 77, "weight": 13 }, { "by": 37, "edge": "turnkey-agentic-wallets", "key": "security", "name": "Security \u0026 auth", "sponge-wallet": 48, "turnkey-agentic-wallets": 85, "weight": 14 }, { "by": 12, "edge": "sponge-wallet", "key": "payments", "name": "Payments \u0026 pricing", "sponge-wallet": 70, "turnkey-agentic-wallets": 58, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 56, "edge": "turnkey-agentic-wallets", "key": "maintenance", "name": "Maintenance \u0026 community", "sponge-wallet": 27, "turnkey-agentic-wallets": 83, "weight": 7 }, { "by": 33, "edge": "turnkey-agentic-wallets", "key": "transparency", "name": "Transparency \u0026 trust", "sponge-wallet": 39, "turnkey-agentic-wallets": 72, "weight": 7 } ], "summary": "Turnkey Agentic Wallets scores 76 (BB) 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": { "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.", "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/sponge-wallet-vs-turnkey-agentic-wallets", "json": "https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.md", "slim": "https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.min.md" }, "markdown": "Turnkey Agentic Wallets scores 76 (BB) 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- 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- 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### 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 58\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### 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 13\n- Schema \u0026 documentation, 79 against 66\n- Agent ergonomics, 77 against 43\n- Security \u0026 auth, 85 against 48\n- Maintenance \u0026 community, 83 against 27\n- Transparency \u0026 trust, 72 against 39\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 | Sponge Wallet | Turnkey Agentic Wallets | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 13 | 75 | Turnkey Agentic Wallets +62 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 66 | 79 | Turnkey Agentic Wallets +13 |\n| Agent ergonomics | 13% (16.2 this run) | 43 | 77 | Turnkey Agentic Wallets +34 |\n| Security \u0026 auth | 14% (17.5 this run) | 48 | 85 | Turnkey Agentic Wallets +37 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 70 | 58 | Sponge Wallet +12 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 27 | 83 | Turnkey Agentic Wallets +56 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 39 | 72 | Turnkey Agentic Wallets +33 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **43.2 · E** | **76 · BB** | |\n\n## Facts side by side\n\n| Fact | Sponge Wallet | Turnkey Agentic Wallets |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Sponge Inc. | Turnkey Global, Inc. |\n| Hosted endpoint | `https://api.wallet.paysponge.com` | `https://api.turnkey.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | API key |\n| Pricing | Free | Freemium |\n| x402 | payer tooling only | payer tooling only |\n| Licence | Proprietary service under Sponge's terms of service. The SDK and CLI packages on npm are MIT, and the repository they name is private | 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 | 2026-07-07 | 2026-10-08 |\n| Terms last updated | 2026-06-30 | 2026-08-06 |\n| Privacy policy last updated | 2026-06-30 | 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 | not found in the text | yes |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Popularity | 126 npm/wk, 20 PyPI/wk | 304k npm/wk, 12k PyPI/wk |\n\n## Verdicts\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**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### 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### 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, Sponge Wallet or Turnkey Agentic Wallets?\n\nTurnkey Agentic Wallets scores 76 (BB) 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 Sponge Wallet and Turnkey Agentic Wallets need an API key?\n\nSponge Wallet takes an API key or an OAuth sign-in. Turnkey Agentic Wallets needs an API key.\n\n### Can an agent call Sponge Wallet and Turnkey Agentic Wallets without installing anything?\n\nYes. Sponge Wallet has a hosted endpoint at https://api.wallet.paysponge.com 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/sponge-wallet-vs-turnkey-agentic-wallets.json, and with the fewest tokens: https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"sponge-wallet\", \"b\": \"turnkey-agentic-wallets\"}`. From a terminal: `anchor compare sponge-wallet turnkey-agentic-wallets`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/sponge-wallet.json and https://www.anchorterminal.com/api/v1/tools/turnkey-agentic-wallets.json\n\n## Other comparisons with Sponge Wallet or Turnkey Agentic Wallets\n\n- [Circle Wallets (Agent Wallets, Programmable Wallets) vs Sponge Wallet](https://www.anchorterminal.com/compare/circle-wallets-vs-sponge-wallet.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 Sponge Wallet](https://www.anchorterminal.com/compare/coinbase-cdp-agentkit-vs-sponge-wallet.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- [Privy Wallets (server wallets, agent wallets, policy engine) vs Turnkey Agentic Wallets](https://www.anchorterminal.com/compare/privy-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": "Sponge Wallet vs Turnkey Agentic Wallets", "url": "" } ], "description": "Turnkey Agentic Wallets scores 76 (BB) 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 notes side by side.", "facts": [ "Sponge Wallet E 43.2", "Turnkey Agentic Wallets BB 76", "scores" ], "h1": "Sponge Wallet vs Turnkey Agentic Wallets", "image": "https://www.anchorterminal.com/assets/og/compare-sponge-wallet-vs-turnkey-agentic-wallets.png", "path": "/compare/sponge-wallet-vs-turnkey-agentic-wallets", "published": "2026-10-01", "section": "tools", "title": "Sponge Wallet vs Turnkey Agentic Wallets for AI agents", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/sponge-wallet-vs-turnkey-agentic-wallets" }, "tokens": { "markdown": 2250, "slim": 780 }, "version": 1 }