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

CategoryWeight this runAlloyMiddeskEdge
Reliability16%205973Middesk +14
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27382Middesk +9
Agent ergonomics13%16.25256Middesk +4
Security & auth14%17.54956Middesk +7
Payments & pricing10%12.5010Middesk +10
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.87264Alloy +8
Transparency & trust7%8.86261Alloy +1
Negative events≤1500
TotalD 52.4/100C 59/100

Facts side by side

FactAlloyMiddesk
KindHTTP APIHTTP API
VendorFirst Mile Group, Inc. (Alloy)Middesk, Inc.
Hosted endpointno (local only)https://api.middesk.com/v1
TransportsHTTPHTTP
AuthOAuth or keyOAuth or key
PricingPaidPaid
x402nono
LicenceProprietary service under Alloy's terms of service. The @alloyidentity/web-sdk capture package is MITProprietary service under Middesk's Business Verification Terms and Conditions. The Claude Code and Codex plugins on GitHub are MIT
Tools exposednone11
Read-only variant documentednono
llms.txtyesyes
Last release2026-10-052026-10-05
Terms last updated2026-03-12no date given
Privacy policy last updatedno date givenno date given
Customer content may train modelsnot found in the textyes
Terms restrict automated accessyesnot found in the text
Terms restrict benchmarkingnot found in the textyes
Terms or service can change without noticenot found in the textnot found in the text
Arbitration or class-action waiveryesyes
Popularity21k npm/wk2 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

  1. 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
  2. Use unique, prefixed external IDs in sandbox. Sandbox and Production share one data store
  3. Read alloy-ratelimit-remaining, and on 429 or 5xx wait for retry-after with exponential backoff and jitter
  4. Expect running after about 25 seconds on journey applications and wait for the webhook instead of resubmitting
  5. Send the workflow header with account-level keys, since inputs depend on the workflow configured

Middesk

  1. Match the key to the host. mk_test keys work only at https://api-sandbox.middesk.com/v1 and mk_live keys only at https://api.middesk.com/v1
  2. Name the orders on POST /v1/businesses. Omitting them places a verification order plus every package the account runs automatically, all billed
  3. Send address_line1 and address_line2. The API ignores address_line_1 without an error
  4. A 201 means the business was created, not verified. Wait for the business.updated webhook or poll until status leaves pending
  5. Stay under 20 requests a second per account, and in sandbox wait the seconds in Retry-After after 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

Machine-readable

For companies

Do agents find, use and choose your tools?

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