Privy, Turnkey and Coinbase CDP Differ on Agent Wallet Spend Caps

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A comparison of agent wallet policy engines from Coinbase CDP, Privy and Turnkey shows they handle unmatched operations differently. CDP accepts any operation that no policy mentions, so a spend cap on one signing method can leave another method unlimited. Privy and Turnkey instead deny operations that are not explicitly allowed. The author notes that top search results for these vendors do not compare their policy formats or whether they support daily spend caps. The comparison is based on each vendor's documentation, OpenAPI specs and pricing pages as of 7 November 2026. The article also finds that only Turnkey offers a public rolling spend cap feature.

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