{ "data": { "a": { "slug": "alloy", "name": "Alloy", "vendor": "First Mile Group, Inc. (Alloy)", "vendorUrl": "https://www.alloy.com", "kind": "http-api", "category": "identity-verification", "summary": "Alloy is an identity and fraud decisioning platform for banks and fintechs. Its API runs onboarding journeys and evaluations that orchestrate identity, business, document and watchlist checks across third-party data vendors, with case management and ongoing monitoring.", "url": "https://www.anchorterminal.com/tools/alloy", "markdownUrl": "https://www.anchorterminal.com/tools/alloy.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/alloy.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/alloy.json", "license": "Proprietary service under Alloy's terms of service. The @alloyidentity/web-sdk capture package is MIT", "transports": [ "http" ], "packages": [ { "registry": "npm", "name": "@alloyidentity/web-sdk" } ], "auth": "mixed", "authNotes": "Account-level token and secret (older accounts use a workflow token and secret), sent as HTTP basic auth or exchanged at /v1/oauth/bearer for a one-hour Bearer token with client credentials. Up to five active secrets per key, rotated and revoked in the dashboard by users with key permissions. No scopes. The same keys serve sandbox and production, chosen by base URL or the `alloy-sandbox: true` header. Keys come with a customer contract (checked 2026-10-14).", "pricing": "paid", "pricingNotes": "No public prices. www.alloy.com/pricing returns 404 and the site routes buyers to a demo. Production calls invoke third-party data vendors and can incur charges, while sandbox calls don't (https://developer.alloy.com/public/docs/sandbox-vs-production, checked 2026-10-14).", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs index, the API reference or the website (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 20569, "pypiWeekly": null, "asOf": "2026-10-14" }, "docsUrl": "https://developer.alloy.com/public/docs/introduction", "llmsTxt": "https://developer.alloy.com/public/llms.txt", "capabilities": [ "kyc.identity", "kyc.business", "kyc.screening", "kyc.documents", "kyc.cases" ], "tags": [ "hosted", "enterprise", "sales-led", "api-key", "oauth", "llms-txt", "webhooks", "sandbox", "status-page", "soc2" ], "lastRelease": "2026-10-05", "graded": true, "anchor": { "graded": true, "score": 52.4, "grade": "D", "agentReady": false, "rank": 782, "ranked": true, "rankOf": 1076, "categoryRank": 16, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 52, "maintenance": 72, "payments": 0, "reliability": 59, "schema": 73, "security": 49, "transparency": 62 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "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.", "bestFor": "Banks and fintechs that already run onboarding through Alloy and want an agent to submit journey applications, read decisions and work investigations.", "strengths": [ "Public developer docs with llms.txt (247 entries), Markdown pages and an OpenAPI fragment on each reference page", "Rate-limit headers and `retry-after` on 429, with a written guide to which codes to retry", "One API orchestrates identity, business, document and watchlist checks across many data vendors", "Up to five active secrets per key, OAuth client credentials and an IP allowlist", "Status page with separate Production API, Sandbox API, Webhooks and third-party components" ], "weaknesses": [ "No public prices, trial or self-serve sign-up. Access starts with a demo request", "Rate limits vary by account and endpoint with no published numbers", "No idempotency key and no server-side SDK", "Evaluation inputs and outputs depend on each customer's workflow, so the contract is loosely typed", "Sandbox and Production are request modes over one data store, so test and live records can collide" ], "agentNotes": [ "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 for `retry-after` with exponential backoff and jitter", "Expect `running` after 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" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 52.4 } ], "editorialScores": { "ergonomics": 52, "maintenance": 72, "payments": 0, "reliability": 59, "schema": 73, "security": 49, "transparency": 38 }, "provenanceScore": 86 }, "connect": { "http": "curl -X POST https://sandbox.alloy.co/v1/oauth/bearer \\\n -H \"Content-Type: application/json\" \\\n -H \"Authorization: Basic \u003cbasic_token\u003e\" \\\n -d '{\n \"grant_type\": \"client_credentials\"\n }'" }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/alloy" }, "area": "domain-data", "provenance": { "legalEntity": "First Mile Group, Inc.", "domain": "alloy.com", "domainRegistered": "1999-02-25", "endpointOnVendorDomain": true, "terms": "https://www.alloy.com/tos", "privacy": "https://www.alloy.com/privacy-policy", "statusPage": "https://status.alloy.com", "changelog": "https://www.alloy.com/product-updates", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The privacy policy (29 August 2025) names First Mile Group, Inc. d/b/a/ Alloy.", "The default API hosts are on alloy.co (api.alloy.co, sandbox.alloy.co), and account-specific hosts on alloy.com. status.alloy.co redirects to status.alloy.com.", "www.alloy.com/.well-known/security.txt and alloy.co/.well-known/security.txt return 404.", "RDAP for alloy.com gives a registration date of 1999-02-25, before Alloy was founded in 2015." ], "score": 86 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/alloy.json", "live": { "slug": "alloy", "vendorStatus": { "page": "https://status.alloy.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:38:51.209484803Z" }, "mcpTools": { "url": "https://api.alloy.cx/mcp", "checkedAt": "2026-10-02T22:09:59.902886223Z", "status": "auth", "note": "asks for credentials before listing its tools", "changedAt": "2026-10-02T22:09:59.902886223Z" }, "updatedAt": "2026-10-14T09:38:51.209484803Z" } }, "answer": "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 \u0026 community.", "b": { "slug": "middesk", "name": "Middesk", "vendor": "Middesk, Inc.", "vendorUrl": "https://www.middesk.com", "kind": "http-api", "category": "identity-verification", "summary": "Business verification API from Middesk in San Francisco. It checks US and international businesses against registry, tax ID, sanctions and watchlist records, monitors them for changes, and files liens and state tax registrations, over REST and a hosted MCP server.", "url": "https://www.anchorterminal.com/tools/middesk", "markdownUrl": "https://www.anchorterminal.com/tools/middesk.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/middesk.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/middesk.json", "repo": "https://github.com/middesk/plugins", "license": "Proprietary service under Middesk's Business Verification Terms and Conditions. The Claude Code and Codex plugins on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.middesk.com/v1", "packages": [], "auth": "mixed", "authNotes": "Access is granted by Middesk's sales team, and keys are then created in the dashboard under Settings, Developer, Credentials. An API key goes as the Basic auth username or as a Bearer token. `mk_test` keys work only against https://api-sandbox.middesk.com/v1 and `mk_live` keys only against https://api.middesk.com/v1. OAuth 2.0 authorisation code is available for acting in another Middesk user's account, with up to 5 clients an account, `read_only` or `read_write` scope, no consent screen, access tokens that don't expire and a revoke endpoint. The hosted MCP server takes OAuth 2.1 with PKCE and dynamic client registration, or a live API key as a Bearer token. The account's IP allowlist applies to OAuth requests.", "pricing": "paid", "pricingNotes": "No public prices. Fees are set in an order form under the Business Verification Terms and Conditions, the site has no pricing page (middesk.com/pricing returns 404) and its buttons ask for a demo. A sandbox with mock data comes with every account. Middesk's plugin README says trial accounts exist and issue test keys only, and we didn't find how one is opened without sales. Creating a business places billable orders (checked 2026-10-08).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the OpenAPI spec or the site (checked 2026-10-08).", "endpoints": [] }, "toolCount": 11, "popularity": { "githubStars": 2, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.middesk.com", "llmsTxt": "https://docs.middesk.com/llms.txt", "openapi": "https://docs.middesk.com/openapi.json", "capabilities": [ "kyc.business", "kyc.screening", "kyc.cases", "kyc.identity" ], "tags": [ "hosted", "enterprise", "sales-led", "api-key", "oauth", "mcp", "openapi", "llms-txt", "webhooks", "sandbox", "graphql", "status-page", "soc2" ], "lastRelease": "2026-10-05", "graded": true, "anchor": { "graded": true, "score": 59, "grade": "C", "agentReady": false, "rank": 596, "ranked": true, "rankOf": 1076, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 56, "maintenance": 64, "payments": 10, "reliability": 73, "schema": 82, "security": 56, "transparency": 61 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "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.", "bestFor": "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.", "strengths": [ "Public OpenAPI 3.1 spec with 87 operations and 373 schemas, plus llms.txt and a Markdown copy of every docs page", "Dated changelog with nine entries between 20 July and 5 October 2026, breaking changes labelled as such", "OAuth 2.0 with `read_only` and `read_write` scopes and a revoke endpoint. The MCP server adds PKCE and dynamic client registration", "Sandbox at api-sandbox.middesk.com with documented trigger values for names, addresses, TINs, people and watchlist hits", "The public terms of 21 August 2026 bar training generative AI models on customer data in any form" ], "weaknesses": [ "No public price. Fees are set in an order form, and every docs page ends with a prompt to contact sales", "No official SDK found on npm, PyPI or RubyGems, and none in the vendor's GitHub organisation", "The hosted MCP server runs against production only, so a sandbox key fails on every call", "Creating a business places billable orders, and an empty `orders` array doesn't prevent that", "OAuth access tokens don't expire, and no security.txt, disclosure policy or bug bounty was found" ], "agentNotes": [ "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", "Name the `orders` on `POST /v1/businesses`. Omitting them places a verification order plus every package the account runs automatically, all billed", "Send `address_line1` and `address_line2`. The API ignores `address_line_1` without an error", "A 201 means the business was created, not verified. Wait for the `business.updated` webhook or poll until `status` leaves `pending`", "Stay under 20 requests a second per account, and in sandbox wait the seconds in `Retry-After` after a 429 on business creation" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 59 } ], "editorialScores": { "ergonomics": 56, "maintenance": 64, "payments": 10, "reliability": 73, "schema": 82, "security": 56, "transparency": 43 }, "provenanceScore": 78 }, "connect": { "http": "curl -X POST https://api-sandbox.middesk.com/v1/businesses \\\n -u $MIDDESK_SANDBOX_API_KEY: \\\n -H \"Accept: application/json\" \\\n -d name=Corporation \\\n -d addresses\\[0\\]\\[address_line1\\]=223+Grand+St. \\\n -d addresses\\[0\\]\\[city\\]=new+york \\\n -d addresses\\[0\\]\\[state\\]=NY \\\n -d addresses\\[0\\]\\[postal_code\\]=10013", "claudeCode": "claude mcp add --transport http middesk https://mcp.middesk.com/mcp \\\n --header \"Authorization: Bearer mk_live_...\"", "config": { "mcpServers": { "middesk": { "headers": { "Authorization": "Bearer mk_live_your_api_key" }, "url": "https://mcp.middesk.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/kyc.business", "tool": "https://letme.dev/middesk" }, "area": "domain-data", "provenance": { "legalEntity": "Middesk, Inc.", "domain": "middesk.com", "domainRegistered": "2018-11-20", "endpointOnVendorDomain": true, "terms": "https://www.middesk.com/policies/bv-msa", "privacy": "https://www.middesk.com/policies/privacy-policy", "statusPage": "https://status.middesk.com", "changelog": "https://docs.middesk.com/guides/get-started/changelog", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The Business Verification Terms and Conditions (last updated 21 August 2026) define Middesk as Middesk, Inc. The website terms (last updated 9 November 2023) give the address 85 2nd St., Suite 710, San Francisco, CA 94105.", "The API answers at api.middesk.com and api-sandbox.middesk.com, and the MCP server at mcp.middesk.com, all middesk.com subdomains.", "security.txt returns 404 on www.middesk.com, docs.middesk.com and api.middesk.com.", "The privacy policy was last updated on 2 November 2025 and gives no retention periods.", "trust.middesk.com is a Vanta trust centre that only renders with JavaScript, so we couldn't read its contents.", "RDAP for middesk.com gives a registration date of 2018-11-20." ], "score": 78 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/middesk.json", "live": { "slug": "middesk", "probe": { "target": "https://api.middesk.com/v1", "method": "get", "lastAt": "2026-10-14T09:41:58.376784664Z", "lastOk": true, "lastStatus": 404, "lastMs": 223, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 199, "p95ms24h": 289, "samples24h": 248, "samples30d": 1432, "days": [ { "date": "2026-10-08", "probes": 93, "ok": 93 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 247, "ok": 247 }, { "date": "2026-10-11", "probes": 247, "ok": 247 }, { "date": "2026-10-12", "probes": 247, "ok": 247 }, { "date": "2026-10-13", "probes": 248, "ok": 248 }, { "date": "2026-10-14", "probes": 100, "ok": 100 } ] }, "vendorStatus": { "page": "https://status.middesk.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:20.219759487Z" }, "githubStars": 2, "securityTxt": { "url": "https://middesk.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-13T15:45:53.415982745Z" }, "llmsTxt": { "url": "https://docs.middesk.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-13T14:11:55.350435161Z" }, "domain": { "domain": "middesk.com", "registered": "2018-11-20", "source": "https://rdap.verisign.com/com/v1/domain/middesk.com", "checkedAt": "2026-10-11T13:15:33.841683063Z" }, "pages": [ { "url": "https://docs.middesk.com/guides/get-started/changelog", "kind": "changelog", "status": 304, "checkedAt": "2026-10-13T20:15:15.883115675Z", "changedAt": "2026-10-12T19:50:33.168092919Z", "fingerprint": "7ca34d4bfc70" }, { "url": "https://www.middesk.com/policies/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-13T20:30:07.695118742Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "a386a0eeeb69" }, { "url": "https://www.middesk.com/policies/bv-msa", "kind": "terms", "status": 200, "checkedAt": "2026-10-13T20:30:05.218950698Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "26b54790c413" } ], "updatedAt": "2026-10-14T09:41:58.376784664Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "First Mile Group, Inc. (Alloy)", "b": "Middesk, Inc.", "name": "Vendor" }, { "a": "no (local only)", "b": "https://api.middesk.com/v1", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Alloy's terms of service. The @alloyidentity/web-sdk capture package is MIT", "b": "Proprietary service under Middesk's Business Verification Terms and Conditions. The Claude Code and Codex plugins on GitHub are MIT", "name": "Licence" }, { "a": "none", "b": "11", "name": "Tools exposed" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-05", "b": "2026-10-05", "name": "Last release" }, { "a": "2026-03-12", "b": "no date given", "name": "Terms last updated" }, { "a": "no date given", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "yes", "name": "Customer content may train models" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "21k npm/wk", "b": "2 stars", "name": "Popularity" } ], "faq": [ { "answer": "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 \u0026 community.", "question": "Which is better for AI agents, Alloy or Middesk?" }, { "answer": "Both take an API key or an OAuth sign-in.", "question": "Do Alloy and Middesk need an API key?" }, { "answer": "No hosted endpoint is listed for Alloy. Middesk has a hosted endpoint at https://api.middesk.com/v1.", "question": "Can an agent call Alloy and Middesk without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Maintenance \u0026 community, 72 against 64" ], "also": null, "goodFor": "Banks and fintechs that already run onboarding through Alloy and want an agent to submit journey applications, read decisions and work investigations.", "slug": "alloy", "watchFor": "No public prices, trial or self-serve sign-up. Access starts with a demo request" }, { "aheadOn": [ "Reliability, 73 against 59", "Schema \u0026 documentation, 82 against 73", "Security \u0026 auth, 56 against 49", "Payments \u0026 pricing, 10 against 0" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "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.", "slug": "middesk", "watchFor": "No public price. Fees are set in an order form, and every docs page ends with a prompt to contact sales" } ], "job": { "capability": "kyc.identity", "name": "Identity verification" }, "others": [ { "json": "https://www.anchorterminal.com/compare/alloy-vs-complycube.json", "title": "Alloy vs ComplyCube", "url": "https://www.anchorterminal.com/compare/alloy-vs-complycube" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-didit.json", "title": "Alloy vs Didit", "url": "https://www.anchorterminal.com/compare/alloy-vs-didit" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-entrust-identity-verification.json", "title": "Alloy vs Entrust Identity Verification (formerly Onfido)", "url": "https://www.anchorterminal.com/compare/alloy-vs-entrust-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-jumio.json", "title": "Alloy vs Jumio", "url": "https://www.anchorterminal.com/compare/alloy-vs-jumio" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-persona.json", "title": "Alloy vs Persona", "url": "https://www.anchorterminal.com/compare/alloy-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.json", "title": "Alloy vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-shufti.json", "title": "Alloy vs Shufti", "url": "https://www.anchorterminal.com/compare/alloy-vs-shufti" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-socure-riskos.json", "title": "Alloy vs Socure RiskOS", "url": "https://www.anchorterminal.com/compare/alloy-vs-socure-riskos" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-stripe-identity.json", "title": "Alloy vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/alloy-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-sumsub.json", "title": "Alloy vs Sumsub", "url": "https://www.anchorterminal.com/compare/alloy-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-trulioo.json", "title": "Alloy vs Trulioo", "url": "https://www.anchorterminal.com/compare/alloy-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-veriff.json", "title": "Alloy vs Veriff", "url": "https://www.anchorterminal.com/compare/alloy-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-vouched.json", "title": "Alloy vs Vouched", "url": "https://www.anchorterminal.com/compare/alloy-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-middesk.json", "title": "ComplyCube vs Middesk", "url": "https://www.anchorterminal.com/compare/complycube-vs-middesk" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-middesk.json", "title": "Didit vs Middesk", "url": "https://www.anchorterminal.com/compare/didit-vs-middesk" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-middesk.json", "title": "Entrust Identity Verification (formerly Onfido) vs Middesk", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-middesk" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-middesk.json", "title": "Jumio vs Middesk", "url": "https://www.anchorterminal.com/compare/jumio-vs-middesk" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.json", "title": "Middesk vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-stripe-identity.json", "title": "Middesk vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/middesk-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-veriff.json", "title": "Middesk vs Veriff", "url": "https://www.anchorterminal.com/compare/middesk-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-vouched.json", "title": "Middesk vs Vouched", "url": "https://www.anchorterminal.com/compare/middesk-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-complyadvantage.json", "title": "Alloy vs ComplyAdvantage", "url": "https://www.anchorterminal.com/compare/alloy-vs-complyadvantage" }, { "json": "https://www.anchorterminal.com/compare/complyadvantage-vs-middesk.json", "title": "ComplyAdvantage vs Middesk", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-middesk" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-persona.json", "title": "Middesk vs Persona", "url": "https://www.anchorterminal.com/compare/middesk-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-shufti.json", "title": "Middesk vs Shufti", "url": "https://www.anchorterminal.com/compare/middesk-vs-shufti" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-socure-riskos.json", "title": "Middesk vs Socure RiskOS", "url": "https://www.anchorterminal.com/compare/middesk-vs-socure-riskos" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-sumsub.json", "title": "Middesk vs Sumsub", "url": "https://www.anchorterminal.com/compare/middesk-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-trulioo.json", "title": "Middesk vs Trulioo", "url": "https://www.anchorterminal.com/compare/middesk-vs-trulioo" } ], "scores": [ { "alloy": 59, "by": 14, "edge": "middesk", "key": "reliability", "middesk": 73, "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "alloy": 73, "by": 9, "edge": "middesk", "key": "schema", "middesk": 82, "name": "Schema \u0026 documentation", "weight": 13 }, { "alloy": 52, "by": 4, "edge": "middesk", "key": "ergonomics", "middesk": 56, "name": "Agent ergonomics", "weight": 13 }, { "alloy": 49, "by": 7, "edge": "middesk", "key": "security", "middesk": 56, "name": "Security \u0026 auth", "weight": 14 }, { "alloy": 0, "by": 10, "edge": "middesk", "key": "payments", "middesk": 10, "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "alloy": 72, "by": 8, "edge": "alloy", "key": "maintenance", "middesk": 64, "name": "Maintenance \u0026 community", "weight": 7 }, { "alloy": 62, "by": 1, "edge": "alloy", "key": "transparency", "middesk": 61, "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "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 \u0026 community. Both do identity verification.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/alloy-vs-middesk", "json": "https://www.anchorterminal.com/compare/alloy-vs-middesk.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/alloy-vs-middesk.md", "slim": "https://www.anchorterminal.com/compare/alloy-vs-middesk.min.md" }, "markdown": "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 \u0026 community. Both do identity verification.\n\n- Alloy: grade D, 52.4/100, rank #782 of 1076. Markdown https://www.anchorterminal.com/tools/alloy.md · JSON https://www.anchorterminal.com/api/v1/tools/alloy.json\n- Middesk: grade C, 59/100, rank #596 of 1076. Markdown https://www.anchorterminal.com/tools/middesk.md · JSON https://www.anchorterminal.com/api/v1/tools/middesk.json\n- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md\n- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md\n\n## Which one, for what\n\n### Alloy (D)\n\nGood for: Banks and fintechs that already run onboarding through Alloy and want an agent to submit journey applications, read decisions and work investigations.\n\nAhead on:\n- Maintenance \u0026 community, 72 against 64\n\nWatch for: No public prices, trial or self-serve sign-up. Access starts with a demo request\n\n### Middesk (C)\n\nGood 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.\n\nAhead on:\n- Reliability, 73 against 59\n- Schema \u0026 documentation, 82 against 73\n- Security \u0026 auth, 56 against 49\n- Payments \u0026 pricing, 10 against 0\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No public price. Fees are set in an order form, and every docs page ends with a prompt to contact sales\n\n\n## Score by category\n\n| Category | Weight | Alloy | Middesk | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 59 | 73 | Middesk +14 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 73 | 82 | Middesk +9 |\n| Agent ergonomics | 13% (16.2 this run) | 52 | 56 | Middesk +4 |\n| Security \u0026 auth | 14% (17.5 this run) | 49 | 56 | Middesk +7 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 0 | 10 | Middesk +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 72 | 64 | Alloy +8 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 62 | 61 | Alloy +1 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **52.4 · D** | **59 · C** | |\n\n## Facts side by side\n\n| Fact | Alloy | Middesk |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | First Mile Group, Inc. (Alloy) | Middesk, Inc. |\n| Hosted endpoint | no (local only) | `https://api.middesk.com/v1` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| 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 |\n| Tools exposed | none | 11 |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-05 | 2026-10-05 |\n| Terms last updated | 2026-03-12 | no date given |\n| Privacy policy last updated | no date given | no date given |\n| Customer content may train models | not found in the text | yes |\n| Terms restrict automated access | yes | not found in the text |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | not found in the text | not found in the text |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | 21k npm/wk | 2 stars |\n\n## Verdicts\n\n**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.\n\n**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.\n\n## Before you call either\n\n### Alloy\n\n1. 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\n2. Use unique, prefixed external IDs in sandbox. Sandbox and Production share one data store\n3. Read `alloy-ratelimit-remaining`, and on 429 or 5xx wait for `retry-after` with exponential backoff and jitter\n4. Expect `running` after about 25 seconds on journey applications and wait for the webhook instead of resubmitting\n5. Send the workflow header with account-level keys, since inputs depend on the workflow configured\n\n### Middesk\n\n1. 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\n2. Name the `orders` on `POST /v1/businesses`. Omitting them places a verification order plus every package the account runs automatically, all billed\n3. Send `address_line1` and `address_line2`. The API ignores `address_line_1` without an error\n4. A 201 means the business was created, not verified. Wait for the `business.updated` webhook or poll until `status` leaves `pending`\n5. Stay under 20 requests a second per account, and in sandbox wait the seconds in `Retry-After` after a 429 on business creation\n\n## Questions\n\n### Which is better for AI agents, Alloy or Middesk?\n\nMiddesk scores 59 (C) on agent readiness against Alloy's 52.4 (D), and leads in 5 of 7 scored categories. Alloy leads on maintenance \u0026 community.\n\n### Do Alloy and Middesk need an API key?\n\nBoth take an API key or an OAuth sign-in.\n\n### Can an agent call Alloy and Middesk without installing anything?\n\nNo hosted endpoint is listed for Alloy. Middesk has a hosted endpoint at https://api.middesk.com/v1.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/alloy-vs-middesk.json, and with the fewest tokens: https://www.anchorterminal.com/compare/alloy-vs-middesk.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"alloy\", \"b\": \"middesk\"}`. From a terminal: `anchor compare alloy middesk`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/alloy.json and https://www.anchorterminal.com/api/v1/tools/middesk.json\n\n## Other comparisons with Alloy or Middesk\n\n- [Alloy vs ComplyCube](https://www.anchorterminal.com/compare/alloy-vs-complycube.md)\n- [Alloy vs Didit](https://www.anchorterminal.com/compare/alloy-vs-didit.md)\n- [Alloy vs Entrust Identity Verification (formerly Onfido)](https://www.anchorterminal.com/compare/alloy-vs-entrust-identity-verification.md)\n- [Alloy vs Jumio](https://www.anchorterminal.com/compare/alloy-vs-jumio.md)\n- [Alloy vs Persona](https://www.anchorterminal.com/compare/alloy-vs-persona.md)\n- [Alloy vs Plaid Identity Verification](https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.md)\n- [Alloy vs Shufti](https://www.anchorterminal.com/compare/alloy-vs-shufti.md)\n- [Alloy vs Socure RiskOS](https://www.anchorterminal.com/compare/alloy-vs-socure-riskos.md)\n- [Alloy vs Stripe Identity](https://www.anchorterminal.com/compare/alloy-vs-stripe-identity.md)\n- [Alloy vs Sumsub](https://www.anchorterminal.com/compare/alloy-vs-sumsub.md)\n- [Alloy vs Trulioo](https://www.anchorterminal.com/compare/alloy-vs-trulioo.md)\n- [Alloy vs Veriff](https://www.anchorterminal.com/compare/alloy-vs-veriff.md)\n- [Alloy vs Vouched](https://www.anchorterminal.com/compare/alloy-vs-vouched.md)\n- [ComplyCube vs Middesk](https://www.anchorterminal.com/compare/complycube-vs-middesk.md)\n- [Didit vs Middesk](https://www.anchorterminal.com/compare/didit-vs-middesk.md)\n- [Entrust Identity Verification (formerly Onfido) vs Middesk](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-middesk.md)\n- [Jumio vs Middesk](https://www.anchorterminal.com/compare/jumio-vs-middesk.md)\n- [Middesk vs Plaid Identity Verification](https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.md)\n- [Middesk vs Stripe Identity](https://www.anchorterminal.com/compare/middesk-vs-stripe-identity.md)\n- [Middesk vs Veriff](https://www.anchorterminal.com/compare/middesk-vs-veriff.md)\n- [Middesk vs Vouched](https://www.anchorterminal.com/compare/middesk-vs-vouched.md)\n- [Alloy vs ComplyAdvantage](https://www.anchorterminal.com/compare/alloy-vs-complyadvantage.md)\n- [ComplyAdvantage vs Middesk](https://www.anchorterminal.com/compare/complyadvantage-vs-middesk.md)\n- [Middesk vs Persona](https://www.anchorterminal.com/compare/middesk-vs-persona.md)\n- [Middesk vs Shufti](https://www.anchorterminal.com/compare/middesk-vs-shufti.md)\n- [Middesk vs Socure RiskOS](https://www.anchorterminal.com/compare/middesk-vs-socure-riskos.md)\n- [Middesk vs Sumsub](https://www.anchorterminal.com/compare/middesk-vs-sumsub.md)\n- [Middesk vs Trulioo](https://www.anchorterminal.com/compare/middesk-vs-trulioo.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Alloy vs Middesk", "url": "" } ], "description": "Middesk scores 59 (C) to Alloy's 52.4 (D) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Alloy D 52.4", "Middesk C 59", "scores" ], "h1": "Alloy vs Middesk", "image": "https://www.anchorterminal.com/assets/og/compare-alloy-vs-middesk.png", "path": "/compare/alloy-vs-middesk", "published": "2026-10-01", "section": "tools", "title": "Alloy vs Middesk for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/alloy-vs-middesk" }, "tokens": { "markdown": 2500, "slim": 630 }, "version": 1 }