Where AI agents
keep their money.
Before an agent can pay, it needs a wallet it can spend from — with hard limits, policy controls, and an audit trail, but without holding your private keys. This is the side-by-side of the infrastructure that makes autonomous spend safe.
Editorial comparison, refreshed on update. Machine copy: /api/index.json.
What an agent wallet actually needs
A wallet for an autonomous spender is a different product from a wallet for a human. Six traits matter.
Programmable limits
Per-transaction, per-day, and per-counterparty caps enforced in code, not trust.
Policy controls
Allow/deny lists, category rules, and mandates ("may spend ≤$X on APIs") — ideally AP2-style.
Key management
Custodial, MPC, or smart-account (AA) — so the agent signs without ever holding raw keys.
Multi-chain + asset
USDC on Base/Solana at minimum; ideally other stablecoins and networks.
Audit trail
Every agent decision and payment logged for reconciliation and compliance.
Human-in-the-loop
Escalation and approval hooks for spend above a threshold.
The provider scorecard
Wallet & custody infra you can give an agent today. Curated — corrections welcome.
| Provider | Key model | Controls | Settles | Stage |
|---|---|---|---|---|
| Coinbase CDP Wallets | Server / smart account | Policy engine, spend limits | USDC (Base) | Live |
| Crossmint | Smart account (AA) | Delegated keys, limits | USDC / cards | Live |
| Fireblocks | MPC | Enterprise policy engine, approvals | Multi-stablecoin | Live |
| Circle Programmable Wallets | MPC / dev-controlled | Programmable rules | USDC / EURC | Live |
| Privy | Embedded / self-custody | Session keys, limits | USDC (multi) | Live |
| Turnkey | Secure enclave / policy | Fine-grained policy API | Multi | Live |
| Skyfire | Network wallet + identity | Agent identity, spend rules | Stablecoin | Live |
| AWS Bedrock AgentCore | Managed | Policy-based controls, audit | Multi | Preview |
Key model / stage are our read of public docs, not endorsements. Full dataset: JSON.
Explore the rest of the map
Agent Wallets is one spoke of the Agentic Finance Index — the full map of the AI-agent money economy.