Head to head · Identity verification · October 2026 research run
Alloy vs Middesk
Middesk scores 59 (C) on agent readiness against Alloy's 52.4 (D), and leads in 5 of 7 scored categories. Alloy leads on maintenance & community. Both do identity verification.
Best identity and business verification APIs for AI agents · All 119 verification comparisons
Which one, for what
Alloy D
Best for Banks and fintechs that already run onboarding through Alloy and want an agent to submit journey applications, read decisions and work investigations.
Ahead on
- Maintenance & community, 72 against 64
Watch for
No public prices, trial or self-serve sign-up. Access starts with a demo request
Middesk C
Best for An agent onboarding or re-checking US businesses for a bank, lender or marketplace that already holds a Middesk contract, with registry, TIN, sanctions and lien data in one object.
Ahead on
- Reliability, 73 against 59
- Schema & documentation, 82 against 73
- Security & auth, 56 against 49
- Payments & pricing, 10 against 0
Also in its favour
- A hosted endpoint, with nothing to install
Watch for
No public price. Fees are set in an order form, and every docs page ends with a prompt to contact sales
Score by category
| Category | Weight this run | Alloy | Middesk | Edge |
|---|---|---|---|---|
| Reliability | 16%20 | 59 | 73 | Middesk +14 |
| Performance | 10%pending | pending | pending | not scored in this run |
| Schema & documentation | 13%16.2 | 73 | 82 | Middesk +9 |
| Agent ergonomics | 13%16.2 | 52 | 56 | Middesk +4 |
| Security & auth | 14%17.5 | 49 | 56 | Middesk +7 |
| Payments & pricing | 10%12.5 | 0 | 10 | Middesk +10 |
| Task success | 10%pending | pending | pending | not scored in this run |
| Maintenance & community | 7%8.8 | 72 | 64 | Alloy +8 |
| Transparency & trust | 7%8.8 | 62 | 61 | Alloy +1 |
| Negative events | ≤15 | 0 | 0 | |
| Total | D 52.4/100 | C 59/100 |
Facts side by side
| Fact | Alloy | Middesk |
|---|---|---|
| Kind | HTTP API | HTTP API |
| Vendor | First Mile Group, Inc. (Alloy) | Middesk, Inc. |
| Hosted endpoint | no (local only) | https://api.middesk.com/v1 |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | OAuth or key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Alloy's terms of service. The @alloyidentity/web-sdk capture package is MIT | Proprietary service under Middesk's Business Verification Terms and Conditions. The Claude Code and Codex plugins on GitHub are MIT |
| Tools exposed | none | 11 |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-05 | 2026-10-05 |
| Terms last updated | 2026-03-12 | no date given |
| Privacy policy last updated | no date given | no date given |
| Customer content may train models | not found in the text | yes |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | not found in the text | not found in the text |
| Arbitration or class-action waiver | yes | yes |
| Popularity | 21k npm/wk | 2 stars |
Verdicts
Alloy
Alloy's public docs cover journeys, evaluations, entities, documents, cases and investigations, with llms.txt, Markdown pages, OpenAPI fragments and rate-limit headers with retry-after. Access is sales-led with no public price or trial, credentials have no scopes, there is no idempotency key or server SDK, and inputs vary by each customer's workflow.
Middesk
A public OpenAPI 3.1 contract for 87 operations, llms.txt, Markdown docs and a dated weekly changelog make the REST API readable to an agent, and OAuth has a read-only scope. Access is sales-led. No price, self-serve signup or official SDK was found, and the hosted MCP server rejects sandbox keys.
Before you call either
Alloy
- Get the account's base URL from the customer. Defaults are api.alloy.co and sandbox.alloy.co, and some accounts have their own hosts
- Use unique, prefixed external IDs in sandbox. Sandbox and Production share one data store
- Read
alloy-ratelimit-remaining, and on 429 or 5xx wait forretry-afterwith exponential backoff and jitter - Expect
runningafter about 25 seconds on journey applications and wait for the webhook instead of resubmitting - Send the workflow header with account-level keys, since inputs depend on the workflow configured
Middesk
- Match the key to the host.
mk_testkeys work only at https://api-sandbox.middesk.com/v1 andmk_livekeys only at https://api.middesk.com/v1 - Name the
ordersonPOST /v1/businesses. Omitting them places a verification order plus every package the account runs automatically, all billed - Send
address_line1andaddress_line2. The API ignoresaddress_line_1without an error - A 201 means the business was created, not verified. Wait for the
business.updatedwebhook or poll untilstatusleavespending - Stay under 20 requests a second per account, and in sandbox wait the seconds in
Retry-Afterafter a 429 on business creation
Questions
Which is better for AI agents, Alloy or Middesk?
Middesk scores 59 (C) on agent readiness against Alloy's 52.4 (D), and leads in 5 of 7 scored categories. Alloy leads on maintenance & community.
Do Alloy and Middesk need an API key?
Both take an API key or an OAuth sign-in.
Can an agent call Alloy and Middesk without installing anything?
No hosted endpoint is listed for Alloy. Middesk has a hosted endpoint at https://api.middesk.com/v1.
Other comparisons with Alloy or Middesk
- Alloy vs ComplyCube
- Alloy vs Didit
- Alloy vs Entrust Identity Verification (formerly Onfido)
- Alloy vs Jumio
- Alloy vs Persona
- Alloy vs Plaid Identity Verification
- Alloy vs Shufti
- Alloy vs Socure RiskOS
- Alloy vs Stripe Identity
- Alloy vs Sumsub
- Alloy vs Trulioo
- Alloy vs Veriff
- Alloy vs Vouched
- ComplyCube vs Middesk
- Didit vs Middesk
- Entrust Identity Verification (formerly Onfido) vs Middesk
- Jumio vs Middesk
- Middesk vs Plaid Identity Verification
- Middesk vs Stripe Identity
- Middesk vs Veriff
- Middesk vs Vouched
- Alloy vs ComplyAdvantage
- ComplyAdvantage vs Middesk
- Middesk vs Persona
- Middesk vs Shufti
- Middesk vs Socure RiskOS
- Middesk vs Sumsub
- Middesk vs Trulioo
Machine-readable
- This page as Markdown
/compare/alloy-vs-middesk.md· slim.min.md· JSON.json(or sendAccept: text/markdown) - Each listing in full
/api/v1/tools/alloy.json·/api/v1/tools/middesk.json - From a terminal
anchor compare alloy middesk(the CLI) - Over MCP
compare_tools {"a": "alloy", "b": "middesk"}at/mcp, no key