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

Caddy vs Instinct

Caddy scores 16.7 (F) on agent readiness against Instinct's 7.3 (F), and leads in 3 of 7 scored categories. Both do proactive personal assistants.

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

CaddyCaddy Technologies Inc. · Platform F16.7/100#996 of 1010 InstinctSpear Street Technology, Inc. (d/b/a Instinct) · Platform F7.3/100#1009 of 1010

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

  • Schema & documentation, 10 against 0
  • Payments & pricing, 30 against 0
  • Maintenance & community, 55 against 2

Watch for

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

Instinct F

Best for People who want to hand errands to an assistant by text or phone.

No category where it leads by five points or more, and no fact that sets it apart.

Watch for

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

Score by category

CategoryWeight this runCaddyInstinctEdge
Reliability16%201010even
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.2100Caddy +10
Agent ergonomics13%16.200even
Security & auth14%17.503Instinct +3
Payments & pricing10%12.5300Caddy +30
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.8552Caddy +53
Transparency & trust7%8.85253Instinct +1
Negative events≤1500
TotalF 16.7/100F 7.3/100

Facts side by side

FactCaddyInstinct
KindPlatformPlatform
VendorCaddy Technologies Inc.Spear Street Technology, Inc. (d/b/a Instinct)
Hosted endpointno (local only)no (local only)
Transports
AuthOAuth or keyOAuth or key
PricingFreePaid
x402nono
LicenceClosed service under Caddy's Terms of Service (Caddy Technologies Inc., last updated 27 April 2026).Closed service under Instinct's Terms of Service (Spear Street Technology, Inc. d/b/a Instinct, last revised 26 August 2026).
Read-only variant documentedyesno
llms.txtyesno
Last release2026-10-13none
Terms last updated2026-08-26
Privacy policy last updated2026-08-26
Customer content may train modelsyes, with an opt-out
Terms restrict automated accessyes
Terms restrict benchmarkingyes
Terms or service can change without noticenot found in the text
Arbitration or class-action waiveryes

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.

Instinct

Instinct is a hosted assistant reached by text or call that acts in the owner's Google Workspace and WhatsApp and can make purchases. No outside agent can call it, no price is published, new sign-ups may meet a capacity waitlist, and materials train models unless the owner opts out.

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.

Instinct

  1. Don't look for an endpoint. app.instinct.com/mcp serves the web app shell and refuses POST with 405.
  2. Confirm any purchase with the owner. The terms say Actions may not be reversible.

Questions

Which is better for AI agents, Caddy or Instinct?

Caddy scores 16.7 (F) on agent readiness against Instinct's 7.3 (F), and leads in 3 of 7 scored categories.

Other comparisons with Caddy or Instinct

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.

Instinct 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.

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