Short answer: Cobo Agentic Wallet is an MPC wallet for agents that run on-chain tasks, from transfers and swaps to lending and x402 payments, with each task scoped by a Pact the owner approves in a mobile app. Coinstancy Agentic Bank connects your AI to your own finances through a personal MCP, gives each agent a separate USDC wallet on Base with daily and monthly budgets and approval thresholds, and keeps workflows running with Cloud Run after the AI disconnects.
Key takeaways
- Cobo announced Agentic Wallet on April 20, 2026; it connects through an agent skill, the caw CLI, Python and TypeScript SDKs or an MCP server, and is free during early access.
- Cobo's manual lists 9 mainnets, including Ethereum, Base and Solana; Coinstancy Agentic Bank uses USDC on Base.
- Cobo scopes each task with a Pact: per-transaction caps, rolling limits from 1 hour to 30 days, allowlists and a review threshold. Coinstancy sets transaction, daily and monthly budgets, service allowlists, approval thresholds, simulation by default and receipts per agent.
- Only Coinstancy links the agent to your portfolio, transactions, rates and investments, and runs scheduled or event-triggered workflows after your AI disconnects.
Cobo Agentic Wallet vs Coinstancy at a Glance
Both products let an AI agent spend from a wallet within limits a person sets, and both can pay x402 services, the open protocol that lets an agent pay for an API call in stablecoins over HTTP, in USDC on Base. They differ on custody, reach and what surrounds the wallet. The table compares what each provider publishes, as read on November 11, 2026.
| Feature | Cobo Agentic Wallet | Coinstancy Agentic Bank |
|---|---|---|
| Built for | Developers and agent owners who delegate on-chain tasks to an agent under a Pact they approve | People who want their AI to read their finances and spend within their rules |
| How the AI connects | Agent skill, caw CLI, Python and TypeScript SDKs or an MCP server, paired with the owner’s mobile app | Personal MCP for a compatible AI client, plus Cloud Run for workflows |
| Custody | MPC with 2-of-2 key groups (agent and Cobo, owner’s phone and Cobo); Cobo calls it non-custodial by default, with an opt-in custodial mode | Custodial platform: the agent wallet sits in your Coinstancy account, separate from your main balance; no seed phrase to manage |
| Networks | 9 mainnets in the docs (Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain, Avalanche C-Chain, Solana, Tempo); the product page shows "80+ Chains Supported" | Base |
| Assets | Tokens on the supported chains; recipes use USDC, ETH, WETH and others | USDC |
| What the agent can do | Transfers, contract calls, swaps (Uniswap V3, Jupiter), lending (Aave V3, Compound V3), Superfluid streams, Polymarket, x402 payments on Base | Approved x402 services and transfers between authorized agent wallets and pools |
| Spending limits | Per-transaction caps and rolling 1-hour, 24-hour, 7-day and 30-day limits (USD, token amount or transaction count); chain, token, contract and address allowlists | Transaction, daily and monthly budgets, service allowlists, prices and approval thresholds per agent |
| Human approval | Owner approves each Pact in the mobile app on a paired wallet; operations above a review threshold wait for owner approval | Explicit confirmation before money moves through the MCP; approvals above the threshold you set |
| Safety checks | Three-stage policy check before MPC signing, audit log of every decision, freeze and revoke; screening not documented | Simulation on by default, receipts for every action, paid calls can be paused immediately |
| Access to your finances | Not documented: the docs describe a wallet for the agent, not access to your other accounts | Yes: portfolio, transactions, rates and investments through the personal MCP |
| Automation after the AI disconnects | Runs while your agent runs, until the Pact’s completion conditions are met; no hosted scheduler documented | Cloud Run: scheduled or event-triggered workflows after your AI disconnects |
| Fees | Free during early access; usage-based pricing at general availability, not yet published | No Agentic Bank fee published on the product page |
| Sign-up | Request an invite; caw onboard, then pair the iOS or Android app with an 8-digit code | Coinstancy account with identity verification (KYC by Sumsub) |
How we compared: both products are described on the same points using each provider's own documentation and product page (see Sources). Where a provider does not document a point, we say so instead of guessing. Coinstancy publishes this guide and runs one of the two products compared.
What is Cobo Agentic Wallet?
Cobo Agentic Wallet, or CAW, comes from Cobo, a digital asset custody and wallet infrastructure provider. Its product page calls it "an agentic wallet with enforceable spending controls, approvals, and full auditability" and sums up the idea as "Give your agent a Pact, not your private key." Cobo announced it on April 20, 2026, open by invitation code at first; the product page now invites you to request an invite.
A Pact is a delegation for one task. It states the intent, a reviewable execution plan, the policies the wallet enforces and the completion conditions, such as time elapsed, budget spent or a number of transactions. When a Pact ends or is revoked, the agent's API key is invalidated.
MPC Signing
Keys are split into 2-of-2 groups: agent and Cobo for transactions under a Pact, owner's phone and Cobo for transactions started in the app. Cobo says the full key is never assembled to sign and that its own share cannot move funds alone.
Skill, CLI, SDKs and MCP
Agents connect through an agent skill, the caw CLI, Python and TypeScript SDKs with guides for LangChain, OpenAI Agents, CrewAI and Agno, or an MCP server for Claude Desktop, Claude Code and Cursor and similar clients.
Recipes
Ready-made recipes cover token transfers, Uniswap V3 and Jupiter swaps, Aave V3 and Compound V3 lending, Superfluid streams, Polymarket trading, dollar-cost averaging and x402 payments on Base.
How Cobo Agentic Wallet Works
Cobo's developer quickstart follows the same path whether the agent uses the CLI, an SDK or the MCP server.
Onboard the Agent
Install the agent skill or the caw CLI and run caw onboard. This creates the wallet and the agent's key group; the runtime gets an API key, never the private key.
Pair the Owner App
The CLI generates an 8-digit code that the owner enters in the Cobo Agentic Wallet app for iOS or Android. Pairing creates the owner's own key group on the phone.
Submit a Pact
The agent drafts a Pact with its intent, execution plan, policies and completion conditions. On a paired wallet the owner approves, adjusts or rejects it in the app; the docs note that Pacts on unpaired wallets activate automatically.
Execute Under Policy
Each operation passes a permission check, the policy rules and the rolling counters before Cobo co-signs. Operations above the review threshold return PENDING_APPROVAL until the owner decides, and every decision is written to the audit log.
What is Coinstancy Agentic Bank?
Coinstancy Agentic Bank connects AI to financial action in three layers. Instead of a wallet on its own, it ties the agent to your Coinstancy account, with a policy you define and can see.
Personal MCP (Ask)
Connects your portfolio, transactions, rates and investments to a compatible AI client. The AI shows a quote or estimate, and you explicitly confirm each financial action before money moves.
Agent wallet (Authorise)
Each agent gets a separate USDC wallet on Base. You set its budget, allowed services, prices and approval thresholds. Autonomous spending stays within that wallet, never your main account.
Cloud Run (Automate)
Scheduled or event-triggered workflows keep running after your AI disconnects: trigger, check, act, trace. Simulate first, approve when required, inspect receipts and pause anytime. Wallet policy and cost limits still apply.
What can an agent pay for? Approved x402 services and transfers between authorized agent wallets and pools, within the service allowlists, spending limits and approval thresholds you define. Coinstancy is a custodial platform and requires identity verification when you open an account.
Key Differences
The two products overlap on the core idea, an agent spending within rules a person approves, and on x402 payments in USDC on Base. Most differences come from what each one is designed around.
MPC Wallet vs Custodial Platform
Cobo splits signing between the agent, the owner's phone and Cobo with MPC, describes this as non-custodial by default and offers an opt-in custodial mode. Coinstancy is a custodial platform: the agent wallet sits in your Coinstancy account, separate from your main balance, with no seed phrase to manage.
On-Chain Tasks vs Payments
Cobo targets on-chain work on several chains: swaps, lending, streams, prediction markets and contract calls. Coinstancy Agentic Bank uses USDC on Base and is built for x402 payments and transfers between authorized agent wallets and pools, not token trading.
A Wallet vs Your Finances
Cobo Agentic Wallet gives the agent a wallet to operate. Coinstancy's personal MCP also gives your AI client access to your portfolio, transactions, rates and investments, so it can answer questions about your money and prepare actions you confirm.
Automation
A Cobo agent acts while it runs, inside a Pact that ends on its completion conditions. Coinstancy Cloud Run keeps scheduled or event-triggered workflows going after your AI disconnects, under the same wallet policy and cost limits.
Spending Controls Compared
Giving an agent money is mostly a question of limits: how much it can spend, on what, and when a person must step in.
| Control | Cobo Agentic Wallet | Coinstancy Agentic Bank |
|---|---|---|
| Per transaction | Yes, in US dollars or token units | Yes |
| Per task | Yes: each Pact has its own policies and ends on time, spend or transaction count | Not described |
| Daily and monthly budgets | Rolling 24-hour and 30-day limits (also 1 hour and 7 days) | Yes |
| Allowlists | Chains, tokens, destination addresses and contracts | Allowed services |
| Approval above a threshold | Yes, in the owner's mobile app | Yes |
| Simulation before acting | Not documented (fee estimates only) | On by default |
| Receipts and pause | Audit log of every decision; freeze and revoke take effect immediately | Receipts for every action; paid calls can be paused immediately |
| Screening | Not documented | Not described on the product page |
"Not documented" means we did not find the control in the provider's public documentation on November 11, 2026; it does not prove the control is missing. Check each provider's current documentation before you rely on a control.
Which One Should You Choose?
Choose Cobo Agentic Wallet If
You are building an agent that swaps, lends or calls contracts on chains such as Ethereum, Solana or Polygon, you want MPC signing with a key share you can back up, and you are comfortable writing Pacts and policies through the CLI, an SDK or MCP.
Choose Coinstancy Agentic Bank If
You want your AI to work with your own finances, with daily and monthly budgets, service allowlists, approvals above a threshold, simulation and receipts, and workflows that keep running on schedule after the AI disconnects.
Using Both
Both can pay x402 services in USDC on Base, so the protocol does not lock you in. Keep in mind that every extra wallet is another balance and another set of limits to watch.
Frequently Asked Questions
What is Cobo Agentic Wallet?
Is Cobo Agentic Wallet custodial?
Which chains does Cobo Agentic Wallet support?
How much does Cobo Agentic Wallet cost?
What spending limits can I set on Cobo Agentic Wallet?
How is Coinstancy Agentic Bank different from Cobo Agentic Wallet?
Sources and further reading
The facts on this page rest on the documents below, read on November 11, 2026. Features, limits and fees change: check the live documentation before acting on them.
- Cobo, Agentic Wallet product page and FAQcobo.com
Pacts, MPC key groups, custody FAQ, opt-in custodial mode, early-access pricing, recipes and the "80+ Chains Supported" figure.
- Cobo, Cobo Launches Agentic Walletcobo.com
Launch on April 20, 2026, access by invitation code, supported frameworks.
- Cobo Agentic Wallet manual, Developer quickstartcobo.com
API key instead of private keys, owner pairing, Pact submission and tool presets.
- Cobo Agentic Wallet manual, What is a Pactcobo.com
The four parts of a Pact, approval in the app and revocation when it ends.
- Cobo Agentic Wallet manual, Pacts and policiescobo.com
Pact fields, lifecycle, policy rules, review threshold and automatic activation on unpaired wallets.
- Cobo Agentic Wallet manual, Policy enginecobo.com
Three-stage evaluation, allowlists, rolling windows and approval holds.
- Cobo Agentic Wallet manual, Spend limitscobo.com
Per-transaction caps, 1-hour to 30-day rolling limits and review thresholds.
- Cobo Agentic Wallet manual, Freeze and revokecobo.com
Freezing an agent's access and revoking a Pact, both immediate.
- Cobo Agentic Wallet manual, MPC modelcobo.com
The agent and mobile 2-of-2 key groups and who holds each share.
- Cobo Agentic Wallet manual, Technical architecturecobo.com
MPC signing in the service, audit log and push notifications to the owner app.
- Cobo Agentic Wallet manual, MCP servercobo.com
Installation, supported AI clients and wallet tools.
- Cobo Agentic Wallet manual, CLIcobo.com
caw install, onboarding, 8-digit pairing code and transfers.
- Cobo Agentic Wallet manual, Supported chainscobo.com
The 9 mainnets and 4 test networks with their chain IDs.
- Cobo Agentic Wallet, x402 payment recipeagenticwallet.cobo.com
x402 payments in USDC on Base with caw fetch and per-call limits.
- x402x402.org
The open protocol for paying APIs and services in stablecoins over HTTP.
- Model Context Protocolmodelcontextprotocol.io
The open standard that connects AI clients to tools and data.
- Coinstancy Agentic Bankcoinstancy.com
Personal MCP, agent wallet on Base, budgets, approvals, simulation, receipts and Cloud Run.
Last reviewed: November 2026. External links open in a new tab; Coinstancy is not responsible for their content.
Give Your AI a Wallet
Coinstancy Agentic Bank gives each of your agents a separate USDC wallet on Base, governed by your budgets, allowed services and approval thresholds, and connects your AI to your finances with explicit confirmation before money moves. Coinstancy is custodial, and balances are not FDIC insured.