# Didit vs Plaid Identity Verification

> Didit scores 75 (BB) to Plaid Identity Verification's 67.1 (B) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification
- Markdown: https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.md (~2,850 tokens)
- Slim: https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.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: 2026-10-14

Didit scores 75 (BB) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on agent ergonomics and transparency & trust. Both do identity verification.

- Didit: grade BB, 75/100, rank #63 of 1076. Markdown https://www.anchorterminal.com/tools/didit.md · JSON https://www.anchorterminal.com/api/v1/tools/didit.json
- Plaid Identity Verification: grade B, 67.1/100, rank #278 of 1076. Markdown https://www.anchorterminal.com/tools/plaid-identity-verification.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json
- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md
- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md

## Which one, for what

### Didit (BB)

Good for: A team that wants document, liveness, screening and business registry checks from one API with public prices and no sales step, and an agent that has to set itself up.

Ahead on:
- Reliability, 80 against 68
- Security & auth, 76 against 61
- Payments & pricing, 60 against 15

Also in its favour:
- Agent-ready, a grade of BB or better
- A hosted endpoint, with nothing to install
- Runs on your own machine
- Free to start without a card

Watch for: Three incidents marked major on status.didit.me from 22 July to 4 September 2026, each a partial outage of the core APIs traced to the primary database

### Plaid Identity Verification (B)

Good for: US, Canadian and UK companies that want KYC with data source checks, documents and selfies, especially those already on Plaid or wanting Monitor screening in the same flow.

Ahead on:
- Agent ergonomics, 75 against 69
- Transparency & trust, 77 against 63

Watch for: No public prices. Rates appear only after a Production application


## Score by category

| Category | Weight | Didit | Plaid Identity Verification | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 80 | 68 | Didit +12 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 88 | 91 | Plaid Identity Verification +3 |
| Agent ergonomics | 13% (16.2 this run) | 69 | 75 | Plaid Identity Verification +6 |
| Security & auth | 14% (17.5 this run) | 76 | 61 | Didit +15 |
| Payments & pricing | 10% (12.5 this run) | 60 | 15 | Didit +45 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 82 | 83 | Plaid Identity Verification +1 |
| Transparency & trust | 7% (8.8 this run) | 63 | 77 | Plaid Identity Verification +14 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **75 · BB** | **67.1 · B** | |

## Facts side by side

| Fact | Didit | Plaid Identity Verification |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Didit Identity Spain, S.L. | Plaid Inc. |
| Hosted endpoint | `https://verification.didit.me` | no (local only) |
| Transports | HTTP, Streamable HTTP, stdio | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Pay per use | Paid |
| x402 | no | no |
| Licence | Proprietary service under Didit's Business Terms and Conditions. The MCP server in didit-protocol/mcp is MIT | Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT |
| Tools exposed | 156 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| MCP registry | `me.didit/mcp` | not listed |
| Last release | 2026-10-08 | 2026-10-13 |
| Terms last updated | 2026-09-23 | 2025-12-01 |
| Privacy policy last updated | 2026-10-07 | 2025-12-01 |
| Customer content may train models | yes, with an opt-out | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | yes | yes |
| Terms or service can change without notice | not found in the text | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | 0 stars, 27k npm/wk | 1.2M npm/wk, 656k PyPI/wk |

## Verdicts

**Didit.** A self-serve verification API with public per-check prices, key registration by API, scoped keys and a 365-day audit log. The status page shows three incidents marked major between 22 July and 4 September 2026, each a partial outage of the core APIs, and the sub-processor list isn't public.

**Plaid Identity Verification.** Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.

## Before you call either

### Didit

1. Register with `POST https://apx.didit.me/auth/v2/programmatic/register/`, then `verify-email` with the emailed 6-character code. Use a real inbox, because reserved test domains return 500.
2. Send the key as `x-api-key` to `https://verification.didit.me/v3/`. The JWT from registration works only on `apx.didit.me`.
3. Create a workflow before `POST /v3/session/`. `workflow_id` is the only required field, and an unfinished session with the same `vendor_data` is returned again.
4. Read results from webhooks and use `GET /v3/session/{sessionId}/decision/` for back-fill. Every per-feature result is a plural array.
5. The MCP server at `https://mcp.didit.me/mcp` takes OAuth sign-in only, never an API key. Approve `didit:verification` alone when the task doesn't change workflows or keys.

### Plaid Identity Verification

1. Pass `is_idempotent: true` to /identity_verification/create so a retry returns the existing session
2. Use the backend-only flow (data source template, `gave_consent: true`) when you already hold the user's details. Documents and selfies need the person in Link
3. Wait for the STATUS_UPDATED webhook or poll /identity_verification/get. Link's onSuccess doesn't mean the user passed
4. Don't issue retries casually. Each retry is a new session billed again
5. Enable Sandbox for Identity Verification on the Dashboard Products page before the first call

## Questions

### Which is better for AI agents, Didit or Plaid Identity Verification?

Didit scores 75 (BB) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on agent ergonomics and transparency & trust.

### Do Didit and Plaid Identity Verification need an API key?

Didit takes an API key or an OAuth sign-in. Plaid Identity Verification needs an API key.

### Can an agent call Didit and Plaid Identity Verification without installing anything?

Didit has a hosted endpoint at https://verification.didit.me. No hosted endpoint is listed for Plaid Identity Verification.


## For agents

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

## Other comparisons with Didit or Plaid Identity Verification

- [Alloy vs Didit](https://www.anchorterminal.com/compare/alloy-vs-didit.md)
- [Alloy vs Plaid Identity Verification](https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.md)
- [ComplyCube vs Didit](https://www.anchorterminal.com/compare/complycube-vs-didit.md)
- [ComplyCube vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification.md)
- [Didit vs Entrust Identity Verification (formerly Onfido)](https://www.anchorterminal.com/compare/didit-vs-entrust-identity-verification.md)
- [Didit vs Jumio](https://www.anchorterminal.com/compare/didit-vs-jumio.md)
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- [Didit vs Shufti](https://www.anchorterminal.com/compare/didit-vs-shufti.md)
- [Didit vs Socure RiskOS](https://www.anchorterminal.com/compare/didit-vs-socure-riskos.md)
- [Didit vs Stripe Identity](https://www.anchorterminal.com/compare/didit-vs-stripe-identity.md)
- [Didit vs Sumsub](https://www.anchorterminal.com/compare/didit-vs-sumsub.md)
- [Didit vs Trulioo](https://www.anchorterminal.com/compare/didit-vs-trulioo.md)
- [Didit vs Veriff](https://www.anchorterminal.com/compare/didit-vs-veriff.md)
- [Didit vs Vouched](https://www.anchorterminal.com/compare/didit-vs-vouched.md)
- [Entrust Identity Verification (formerly Onfido) vs Plaid Identity Verification](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification.md)
- [Jumio vs Plaid Identity Verification](https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification.md)
- [Middesk vs Plaid Identity Verification](https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.md)
- [Persona vs Plaid Identity Verification](https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.md)
- [Plaid Identity Verification vs Shufti](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti.md)
- [Plaid Identity Verification vs Socure RiskOS](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos.md)
- [Plaid Identity Verification vs Stripe Identity](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.md)
- [Plaid Identity Verification vs Sumsub](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.md)
- [Plaid Identity Verification vs Trulioo](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-trulioo.md)
- [Plaid Identity Verification vs Veriff](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff.md)
- [Plaid Identity Verification vs Vouched](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.md)
- [ComplyAdvantage vs Didit](https://www.anchorterminal.com/compare/complyadvantage-vs-didit.md)
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