# ComplyAdvantage vs Jumio

> Jumio scores 55 (C) on agent readiness against ComplyAdvantage's 52.6 (D), and leads in 3 of 7 scored categories. ComplyAdvantage leads on schema & documentation, agent ergonomics, security & auth and payments & pricing. Both do kyc screening. Category scores, facts, verdicts…

- Canonical: https://www.anchorterminal.com/compare/complyadvantage-vs-jumio
- Markdown: https://www.anchorterminal.com/compare/complyadvantage-vs-jumio.md (~2,250 tokens)
- Slim: https://www.anchorterminal.com/compare/complyadvantage-vs-jumio.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/complyadvantage-vs-jumio.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

Jumio scores 55 (C) on agent readiness against ComplyAdvantage's 52.6 (D), and leads in 3 of 7 scored categories. ComplyAdvantage leads on schema & documentation, agent ergonomics, security & auth and payments & pricing. Both do kyc screening.

- ComplyAdvantage: grade D, 52.6/100, rank #564 of 722. Markdown https://www.anchorterminal.com/tools/complyadvantage.md · JSON https://www.anchorterminal.com/api/v1/tools/complyadvantage.json
- Jumio: grade C, 55/100, rank #521 of 722. Markdown https://www.anchorterminal.com/tools/jumio.md · JSON https://www.anchorterminal.com/api/v1/tools/jumio.json

## Which one, for what

### ComplyAdvantage (D)

Good for: An agent that screens customers and companies against sanctions, politically exposed person and adverse media data, keeps them under monitoring and works the resulting alerts and cases.

Ahead on:
- Schema & documentation, 82 against 73
- Agent ergonomics, 67 against 45
- Security & auth, 68 against 63
- Payments & pricing, 10 against 0

Also in its favour:
- A hosted endpoint, with nothing to install

Watch for: No public status page or incident history was found. `status.complyadvantage.com` does not resolve

### Jumio (C)

Good for: An enterprise with a Jumio contract that wants document, selfie and liveness checks, watchlist screening and Latin American, Thai and Australian database checks behind OpenAPI-described endpoints.

Ahead on:
- Reliability, 65 against 42
- Maintenance & community, 75 against 28
- Transparency & trust, 60 against 50

Watch for: No public price, free tier or trial. OAuth2 and workflow keys are activated by a Jumio account manager


## Score by category

| Category | Weight | ComplyAdvantage | Jumio | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 42 | 65 | Jumio +23 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 82 | 73 | ComplyAdvantage +9 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 45 | ComplyAdvantage +22 |
| Security & auth | 14% (17.5 this run) | 68 | 63 | ComplyAdvantage +5 |
| Payments & pricing | 10% (12.5 this run) | 10 | 0 | ComplyAdvantage +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 28 | 75 | Jumio +47 |
| Transparency & trust | 7% (8.8 this run) | 50 | 60 | Jumio +10 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **52.6 · D** | **55 · C** | |

## Facts side by side

| Fact | ComplyAdvantage | Jumio |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | IVXS UK Limited (trading as ComplyAdvantage) | Jumio Corporation |
| Hosted endpoint | `https://api.mesh.complyadvantage.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service. No service agreement is published, and the terms page on complyadvantage.com covers the website only | Proprietary service. No public service agreement was found. The @jumio/websdk npm package is marked UNLICENSED |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-09-16 | 2026-09-28 |
| Terms last updated | no document linked | no document linked |
| Privacy policy last updated | 2026-06-12 | 2026-08-04 |
| Customer content may train models |  | yes |
| Terms restrict automated access |  |  |
| Terms restrict benchmarking |  |  |
| Terms or service can change without notice |  |  |
| Arbitration or class-action waiver |  |  |
| Popularity | none | 72 stars, 2.1k npm/wk |

## Verdicts

**ComplyAdvantage.** The Mesh API has a public OpenAPI 3.0.3 spec with 165 described operations, per-credential permissions and audit log endpoints, which suits an agent screening customers and working alerts. No status page, changelog, SDK, service agreement or subprocessor list was found in public, and access starts with a paid plan bought by a person.

**Jumio.** Five OpenAPI 3.0 files, an llms.txt index and OAuth2 clients limited to initiating or to retrieving and deleting make the API readable and containable. Access starts with an account manager, with no public price, trial or service agreement, and the status page shows four processing degradations and a 35-minute Singapore outage between 14 August and 2 October 2026.

## Before you call either

### ComplyAdvantage

1. Exchange the access key and secret at `POST /v3/token` for a bearer token. It lasts 24 hours and can't be refreshed, so request a new one before expiry
2. Ask for a credential with only the permissions the task needs. Permissions can't be edited later, and each reference page names the ones a call requires
3. Create a screening configuration first and keep its `configuration_identifier`. Creating and screening a customer needs it
4. Give each customer a unique external identifier. A concurrent request for the same identifier returns 409 with a pointer to the first workflow
5. Read `Ratelimit-Remaining` and `Ratelimit-Reset` on every response. A 429 body is only `API rate limit exceeded`

### Jumio

1. Use the host for the tenant's region (amer-1, emea-1 or apac-1). Tokens come from auth.<region>.jumio.ai/oauth2/token with the client ID and secret as Basic credentials
2. Reuse the bearer token for its 60 minutes. Token requests are limited to 10 a second and new transactions to 1 a second per tenant
3. Send a User-Agent header on every call. The Account API marks it required
4. Don't blindly retry POST /api/v1/accounts. Each call creates an account and a transaction, and no idempotency key exists
5. Wait for the callback or poll the status endpoint until PROCESSED before retrieving. Jumio's retry schedule starts at 40 seconds and stops after 940

## Questions

### Which is better for AI agents, ComplyAdvantage or Jumio?

Jumio scores 55 (C) on agent readiness against ComplyAdvantage's 52.6 (D), and leads in 3 of 7 scored categories. ComplyAdvantage leads on schema & documentation, agent ergonomics, security & auth and payments & pricing.

### Do ComplyAdvantage and Jumio need an API key?

Both use an OAuth sign-in.

### Can an agent call ComplyAdvantage and Jumio without installing anything?

ComplyAdvantage has a hosted endpoint at https://api.mesh.complyadvantage.com. No hosted endpoint is listed for Jumio.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/complyadvantage-vs-jumio.json, and with the fewest tokens: https://www.anchorterminal.com/compare/complyadvantage-vs-jumio.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "complyadvantage", "b": "jumio"}`. From a terminal: `anchor compare complyadvantage jumio`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/complyadvantage.json and https://www.anchorterminal.com/api/v1/tools/jumio.json

## Other comparisons with ComplyAdvantage or Jumio

- [ComplyCube vs Jumio](https://www.anchorterminal.com/compare/complycube-vs-jumio.md)
- [Didit vs Jumio](https://www.anchorterminal.com/compare/didit-vs-jumio.md)
- [Jumio vs Middesk](https://www.anchorterminal.com/compare/jumio-vs-middesk.md)
- [Jumio vs Persona](https://www.anchorterminal.com/compare/jumio-vs-persona.md)
- [Jumio vs Sumsub](https://www.anchorterminal.com/compare/jumio-vs-sumsub.md)
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- [Jumio vs Veriff](https://www.anchorterminal.com/compare/jumio-vs-veriff.md)
- [ComplyAdvantage vs ComplyCube](https://www.anchorterminal.com/compare/complyadvantage-vs-complycube.md)
- [ComplyAdvantage vs Didit](https://www.anchorterminal.com/compare/complyadvantage-vs-didit.md)
- [ComplyAdvantage vs Middesk](https://www.anchorterminal.com/compare/complyadvantage-vs-middesk.md)
- [ComplyAdvantage vs Persona](https://www.anchorterminal.com/compare/complyadvantage-vs-persona.md)
- [ComplyAdvantage vs Sumsub](https://www.anchorterminal.com/compare/complyadvantage-vs-sumsub.md)
- [ComplyAdvantage vs Trulioo](https://www.anchorterminal.com/compare/complyadvantage-vs-trulioo.md)
- [ComplyAdvantage vs Veriff](https://www.anchorterminal.com/compare/complyadvantage-vs-veriff.md)