{
  "data": {
    "a": {
      "slug": "copilot-money",
      "name": "Copilot Money",
      "vendor": "Copilot Money, Inc.",
      "vendorUrl": "https://www.copilot.money",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Copilot Money is a personal finance app for iPhone, iPad, Mac and the web that tracks spending, budgets, investments, recurring bills and net worth. It has an AI money assistant and a read-only MCP server in waitlist beta.",
      "url": "https://www.anchorterminal.com/tools/copilot-money",
      "markdownUrl": "https://www.anchorterminal.com/tools/copilot-money.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/copilot-money.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/copilot-money.json",
      "license": "Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Copilot Money account. Accounts connect through Plaid, Mastercard Data Connect or direct OAuth with Capital One, Coinbase, Apple Card and Public (https://www.copilot.money/privacy-and-security). The MCP beta needs a place on the waitlist at agent.copilot.money, and its authentication isn't publicly documented.",
      "pricing": "paid",
      "pricingNotes": "$95 a year (about $7.92 a month) with a free trial (https://www.copilot.money/llms.txt). The App Store lists subscriptions at $95.00 a year and $13.00 a month (https://apps.apple.com/us/app/id1447330651, checked 14 October 2026). No statement on whether the trial needs a card, and no separate price for the MCP beta, was found.",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on copilot.money, llms.txt, Dispatch or the terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "llmsTxt": "https://www.copilot.money/llms.txt",
      "capabilities": [
        "finance.budgets",
        "finance.transactions",
        "finance.subscriptions",
        "finance.bills"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "paid",
        "ios",
        "macos",
        "web",
        "llms-txt",
        "beta",
        "not-for-agents",
        "waitlist"
      ],
      "lastRelease": "2026-10-08",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 16.3,
        "grade": "F",
        "agentReady": false,
        "rank": 1049,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 7,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 60,
          "payments": 20,
          "reliability": 5,
          "schema": 10,
          "security": 8,
          "transparency": 52
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Copilot Money is a subscription budgeting app with a dated public changelog, a published disclosure policy and iOS releases every few weeks. There is no public API, and its MCP server, read-only and in beta since 15 May 2026, is open only through a waitlist, with no public documentation of its tools or connection.",
        "bestFor": "Apple users who want budgets, investments and recurring bills in one app.",
        "strengths": [
          "A dated public changelog, Dispatch, with entries from 16 April to 8 October 2026.",
          "A published vulnerability disclosure policy naming targets, with security@copilot.money and a hall of fame.",
          "Five iOS releases between 3 August and 8 October 2026.",
          "The privacy policy says AI vendors processing user data don't train their models on it."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.",
          "No public documentation of the MCP server's address, authentication or tools.",
          "The terms forbid robots, data mining and using the service to train AI.",
          "Copilot itself holds no SOC 2 or ISO 27001 certification, per its security page.",
          "No status page found."
        ],
        "agentNotes": [
          "Don't plan to call Copilot Money from another agent. The MCP beta is waitlist-only, so ask the person to join at agent.copilot.money and connect it themselves.",
          "Once connected, expect read-only access to categories, transactions, monthly spend and income, recurrings and tags, per the changelog.",
          "Don't treat unofficial Copilot clients that read the local cache or a browser session as Copilot's interface."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "F",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 16.3
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 60,
          "payments": 20,
          "reliability": 5,
          "schema": 10,
          "security": 8,
          "transparency": 43
        },
        "provenanceScore": 61
      },
      "letme": {
        "capability": "https://letme.dev/finance.budgets",
        "tool": "https://letme.dev/copilot-money"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Copilot Money, Inc.",
        "domain": "copilot.money",
        "domainRegistered": "2018-09-30",
        "endpointOnVendorDomain": null,
        "terms": "https://www.copilot.money/terms-of-service",
        "privacy": "https://www.copilot.money/privacy-policy",
        "statusPage": "",
        "changelog": "https://www.copilot.money/dispatch",
        "securityTxt": "unknown",
        "checked": "2026-10-14",
        "notes": [
          "The terms and privacy policy were last updated 6 May 2026.",
          "copilot.money's robots.txt disallows /.well-known/, so security.txt was not fetched. A disclosure policy is published at /security-policy/.",
          "status.copilot.money has no DNS record, and no status page was found.",
          "RDAP gives a registration date of 2018-09-30 for copilot.money."
        ],
        "score": 61
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/copilot-money.json"
    },
    "answer": "Copilot Money scores 16.3 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 5 of 7 scored categories. ScribeUp leads on reliability.",
    "b": {
      "slug": "scribeup",
      "name": "ScribeUp",
      "vendor": "ScribeUp Technologies, Inc.",
      "vendorUrl": "https://scribeup.io",
      "kind": "http-api",
      "category": "personal-finance",
      "summary": "ScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API.",
      "url": "https://www.anchorterminal.com/tools/scribeup",
      "markdownUrl": "https://www.anchorterminal.com/tools/scribeup.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/scribeup.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/scribeup.json",
      "license": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "Partners initialise the SDK with client credentials, per scribeup.io/developer, but the developer docs are locked and access starts with a demo request. End users reach ScribeUp only inside a partner's app, and it temporarily stores merchant logins and session tokens, encrypted, for automated tasks (https://scribeup.io/privacy).",
      "pricing": "paid",
      "pricingNotes": "No public prices. Access for banks, credit unions and fintechs starts with a demo request on scribeup.io, checked 14 October 2026. No free tier or sandbox was found.",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.cancellation",
        "finance.bills"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "paid",
        "enterprise",
        "not-for-agents",
        "sales-led"
      ],
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 7.9,
        "grade": "F",
        "agentReady": false,
        "rank": 1071,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 10,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 2,
          "payments": 0,
          "reliability": 15,
          "schema": 0,
          "security": 6,
          "transparency": 42
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.",
        "bestFor": "Banks and fintechs that want subscription management inside their app.",
        "strengths": [
          "Embeds by SDK, iFrame or API, with webhooks and events, per its developer page.",
          "Claims SOC 2 Type II and PCI DSS compliance, with a trust centre run on Vanta.",
          "Terms and privacy policy dated 1 October 2026, explaining how merchant credentials are stored."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The Developer docs link on scribeup.io is locked, and access starts with a demo request.",
          "No public prices, free tier or sandbox.",
          "No changelog, release notes or status page found."
        ],
        "agentNotes": [
          "Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.",
          "Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "F",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 7.9
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 2,
          "payments": 0,
          "reliability": 15,
          "schema": 0,
          "security": 6,
          "transparency": 31
        },
        "provenanceScore": 53
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/scribeup"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "ScribeUp Technologies, Inc.",
        "domain": "scribeup.io",
        "domainRegistered": "2020-10-23",
        "endpointOnVendorDomain": null,
        "terms": "https://scribeup.io/terms-of-service",
        "privacy": "https://scribeup.io/privacy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms and privacy policy are effective 1 October 2026.",
          "scribeup.io/.well-known/security.txt returns the site's HTML page, not a security.txt. status.scribeup.io has no DNS record.",
          "The site's inquiry form posts to production.api.scribeup.co.",
          "RDAP gives a registration date of 2020-10-23 for scribeup.io."
        ],
        "score": 53
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/scribeup.json"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Copilot Money, Inc.",
        "b": "ScribeUp Technologies, Inc.",
        "name": "Vendor"
      },
      {
        "a": "no (local only)",
        "b": "no (local only)",
        "name": "Hosted endpoint"
      },
      {
        "a": "",
        "b": "",
        "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": "Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.).",
        "b": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-08",
        "b": "none",
        "name": "Last release"
      },
      {
        "a": "2026-05-06",
        "b": "couldn't be read",
        "name": "Terms last updated"
      },
      {
        "a": "2026-05-06",
        "b": "couldn't be read",
        "name": "Privacy policy last updated"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Customer content may train models"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Terms restrict automated access"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Copilot Money scores 16.3 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 5 of 7 scored categories. ScribeUp leads on reliability.",
        "question": "Which is better for AI agents, Copilot Money or ScribeUp?"
      },
      {
        "answer": "No hosted endpoint is listed for Copilot Money. No hosted endpoint is listed for ScribeUp.",
        "question": "Can an agent call Copilot Money and ScribeUp without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0",
          "Payments \u0026 pricing, 20 against 0",
          "Maintenance \u0026 community, 60 against 2",
          "Transparency \u0026 trust, 52 against 42"
        ],
        "also": null,
        "goodFor": "Apple users who want budgets, investments and recurring bills in one app.",
        "slug": "copilot-money",
        "watchFor": "No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only."
      },
      {
        "aheadOn": [
          "Reliability, 15 against 5"
        ],
        "also": null,
        "goodFor": "Banks and fintechs that want subscription management inside their app.",
        "slug": "scribeup",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "job": {
      "capability": "finance.subscriptions",
      "name": "Subscription tracking"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-scribeup.json",
        "title": "Emma vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/emma-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup.json",
        "title": "Hiatus vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.json",
        "title": "PocketGuard vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json",
        "title": "Quicken Simplifi vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.json",
        "title": "Rocket Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-emma.json",
        "title": "Copilot Money vs Emma",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-emma"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.json",
        "title": "Copilot Money vs Hiatus",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-hiatus"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.json",
        "title": "Copilot Money vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.json",
        "title": "Copilot Money vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.json",
        "title": "Copilot Money vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop.json",
        "title": "Copilot Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab.json",
        "title": "Copilot Money vs YNAB",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-plum.json",
        "title": "Copilot Money vs Plum",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-plum"
      }
    ],
    "scores": [
      {
        "by": 10,
        "copilot-money": 5,
        "edge": "scribeup",
        "key": "reliability",
        "name": "Reliability",
        "scribeup": 15,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "copilot-money": 10,
        "edge": "copilot-money",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "scribeup": 0,
        "weight": 13
      },
      {
        "by": 0,
        "copilot-money": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "scribeup": 0,
        "weight": 13
      },
      {
        "by": 2,
        "copilot-money": 8,
        "edge": "copilot-money",
        "key": "security",
        "name": "Security \u0026 auth",
        "scribeup": 6,
        "weight": 14
      },
      {
        "by": 20,
        "copilot-money": 20,
        "edge": "copilot-money",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "scribeup": 0,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 58,
        "copilot-money": 60,
        "edge": "copilot-money",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "scribeup": 2,
        "weight": 7
      },
      {
        "by": 10,
        "copilot-money": 52,
        "edge": "copilot-money",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "scribeup": 42,
        "weight": 7
      }
    ],
    "summary": "Copilot Money scores 16.3 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 5 of 7 scored categories. ScribeUp leads on reliability. Both do subscription tracking.",
    "verdicts": {
      "copilot-money": "Copilot Money is a subscription budgeting app with a dated public changelog, a published disclosure policy and iOS releases every few weeks. There is no public API, and its MCP server, read-only and in beta since 15 May 2026, is open only through a waitlist, with no public documentation of its tools or connection.",
      "scribeup": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup",
    "json": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md",
    "slim": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.min.md"
  },
  "markdown": "Copilot Money scores 16.3 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 5 of 7 scored categories. ScribeUp leads on reliability. Both do subscription tracking.\n\n- Copilot Money: grade F, 16.3/100, rank #1049 of 1076. Markdown https://www.anchorterminal.com/tools/copilot-money.md · JSON https://www.anchorterminal.com/api/v1/tools/copilot-money.json\n- ScribeUp: grade F, 7.9/100, rank #1071 of 1076. Markdown https://www.anchorterminal.com/tools/scribeup.md · JSON https://www.anchorterminal.com/api/v1/tools/scribeup.json\n- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md\n- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md\n\n## Which one, for what\n\n### Copilot Money (F)\n\nGood for: Apple users who want budgets, investments and recurring bills in one app.\n\nAhead on:\n- Schema \u0026 documentation, 10 against 0\n- Payments \u0026 pricing, 20 against 0\n- Maintenance \u0026 community, 60 against 2\n- Transparency \u0026 trust, 52 against 42\n\nWatch for: No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.\n\n### ScribeUp (F)\n\nGood for: Banks and fintechs that want subscription management inside their app.\n\nAhead on:\n- Reliability, 15 against 5\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Copilot Money | ScribeUp | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 5 | 15 | ScribeUp +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 0 | Copilot Money +10 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 8 | 6 | Copilot Money +2 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 0 | Copilot Money +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 2 | Copilot Money +58 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 42 | Copilot Money +10 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **16.3 · F** | **7.9 · F** | |\n\n## Facts side by side\n\n| Fact | Copilot Money | ScribeUp |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Copilot Money, Inc. | ScribeUp Technologies, Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.). | Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.). |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-08 | none |\n| Terms last updated | 2026-05-06 | couldn't be read |\n| Privacy policy last updated | 2026-05-06 | couldn't be read |\n| Customer content may train models | yes | couldn't be read |\n| Terms restrict automated access | yes | couldn't be read |\n| Terms restrict benchmarking | yes | couldn't be read |\n| Terms or service can change without notice | yes | couldn't be read |\n| Arbitration or class-action waiver | yes | couldn't be read |\n\n## Verdicts\n\n**Copilot Money.** Copilot Money is a subscription budgeting app with a dated public changelog, a published disclosure policy and iOS releases every few weeks. There is no public API, and its MCP server, read-only and in beta since 15 May 2026, is open only through a waitlist, with no public documentation of its tools or connection.\n\n**ScribeUp.** ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.\n\n## Before you call either\n\n### Copilot Money\n\n1. Don't plan to call Copilot Money from another agent. The MCP beta is waitlist-only, so ask the person to join at agent.copilot.money and connect it themselves.\n2. Once connected, expect read-only access to categories, transactions, monthly spend and income, recurrings and tags, per the changelog.\n3. Don't treat unofficial Copilot clients that read the local cache or a browser session as Copilot's interface.\n\n### ScribeUp\n\n1. Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.\n2. Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's.\n\n## Questions\n\n### Which is better for AI agents, Copilot Money or ScribeUp?\n\nCopilot Money scores 16.3 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 5 of 7 scored categories. ScribeUp leads on reliability.\n\n### Can an agent call Copilot Money and ScribeUp without installing anything?\n\nNo hosted endpoint is listed for Copilot Money. No hosted endpoint is listed for ScribeUp.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"copilot-money\", \"b\": \"scribeup\"}`. From a terminal: `anchor compare copilot-money scribeup`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/scribeup.json\n\n## Other comparisons with Copilot Money or ScribeUp\n\n- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md)\n- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md)\n- [Copilot Money vs Hiatus](https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.md)\n- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)\n- [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md)\n- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)\n- [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n",
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    "description": "Copilot Money scores 16.3 (F) to ScribeUp's 7.9 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
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