Head to head
three.ws Agent Payments vs Smart Money
Same numbers we show everywhere else, lined up. Ratings come from users, the grade comes from our scanner, adoption comes from public registries.
No reviews yet
Governed x402 payment sessions: pay any endpoint with budget, allowlist & per-tx caps, no key.
Full listing
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Personal finance: log expenses in plain language, track accounts, budgets and spending
Full listingThe short version
Neither has been reviewed yet, so the comparison rests on the scan and the public usage numbers. The safety scan favours Smart Money (95/100 against 83). Smart Money is hosted and callable through the gateway; three.ws Agent Payments runs on your own machine. three.ws Agent Payments has noticeably more public adoption.
| three.ws Agent Payments | Smart Money | |
|---|---|---|
| User rating | No reviews yet | No reviews yet |
| Safety grade | B83/100 | A95/100 |
| Adoption | Established | Growing |
| GitHub stars | 206 | 0 |
| Downloads / week | 40 | – |
| Runs where | Your machine (local) | Hosted (remote) |
| Gateway-ready | No | Yes |
| Tools | — | — |
| Write actions | — | — |
| Price per call | Free | Free |
| Licence | Apache-2.0 | MIT |
| Last release | 2026-09-22 | 2026-09-22 |
| Category | Finance | Finance |