Head to head · Proactive personal assistants · October 2026 research run

Caddy vs folk

folk scores 19.8 (F) on agent readiness against Caddy's 16.7 (F), and leads in 3 of 7 scored categories. Caddy leads on maintenance & community. Both do proactive personal assistants.

Best AI personal assistants that act for one person · All 834 assistants comparisons

Which one, for what

Caddy F

Best for People who want a free assistant in iMessage or RCS that watches mail, calendars and work tools and asks before acting.

Ahead on

  • Maintenance & community, 55 against 35

Watch for

No API, MCP server or A2A endpoint for an outside agent.

folk F

Best for People who want a texting companion for habits, workouts, study and money goals, with a free tier.

Ahead on

  • Reliability, 25 against 10
  • Transparency & trust, 67 against 52

Also in its favour

  • Free to start without a card

Watch for

No API, MCP server or A2A endpoint for an outside agent.

Score by category

CategoryWeight this runCaddyfolkEdge
Reliability16%201025folk +15
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.21010even
Agent ergonomics13%16.200even
Security & auth14%17.503folk +3
Payments & pricing10%12.53030even
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.85535Caddy +20
Transparency & trust7%8.85267folk +15
Negative events≤1500
TotalF 16.7/100F 19.8/100

Facts side by side

FactCaddyfolk
KindPlatformPlatform
VendorCaddy Technologies Inc.Nozomio, Inc.
Hosted endpointno (local only)no (local only)
Transports
AuthOAuth or keyOAuth or key
PricingFreeFreemium
x402nono
LicenceClosed service under Caddy's Terms of Service (Caddy Technologies Inc., last updated 27 April 2026).Closed service under folk's terms (Nozomio, Inc., last updated 8 September 2026).
Read-only variant documentedyesyes
llms.txtyesyes
Last release2026-10-132026-10-12
Terms last updated
Privacy policy last updated
Customer content may train models
Terms restrict automated access
Terms restrict benchmarking
Terms or service can change without notice
Arbitration or class-action waiver

Verdicts

Caddy

Caddy is a free iMessage and RCS assistant in public beta that watches connected mail, calendars and work apps and asks before sending email or changing data. No outside agent can call it, and no status page, changelog or security contact was found, though its iOS app ships every week or two.

folk

folk is a texting accountability assistant with its own cloud computer, a free tier with no card and a privacy policy that rules out training on user data. No outside agent can call it, no status page or changelog was found, and its llms.txt and pricing file disagree on free limits and Max's price.

Before you call either

Caddy

  1. Don't plan to call Caddy from another agent. It answers the owner's text messages, Siri and group chats it's added to.
  2. Expect Caddy to ask the owner before it sends email or creates an invite.

folk

  1. Don't plan to call folk from another agent. It answers only the owner's iMessage, Telegram or WhatsApp thread and iPhone app.
  2. Quote limits and prices from pricing.md and the terms, and note that llms.txt gives different free-tier limits.

Questions

Which is better for AI agents, Caddy or folk?

folk scores 19.8 (F) on agent readiness against Caddy's 16.7 (F), and leads in 3 of 7 scored categories. Caddy leads on maintenance & community.

Other comparisons with Caddy or folk

Disclosure

Caddy competes with LocalGhost, which Anchor Terminal's founder builds. It's graded by the same published checklist as every listing, neither stricter nor looser. Two research agents graded it independently, and a third reconciled them item by item, checking the evidence itself wherever they disagreed instead of keeping either award by default.

folk competes with LocalGhost, which Anchor Terminal's founder builds. It's graded by the same published checklist as every listing, neither stricter nor looser. Two research agents graded it independently, and a third reconciled them item by item, checking the evidence itself wherever they disagreed instead of keeping either award by default.

Machine-readable

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