{ "data": { "a": { "slug": "emma", "name": "Emma", "vendor": "Emma Technologies Ltd", "vendorUrl": "https://emma-app.com", "kind": "platform", "category": "personal-finance", "summary": "Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores.", "url": "https://www.anchorterminal.com/tools/emma", "markdownUrl": "https://www.anchorterminal.com/tools/emma.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/emma.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/emma.json", "license": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "An Emma account in the app or web app. UK bank accounts connect through Open Banking with read-only access; North American accounts through Emma's \"Trusted Partners\" (https://emma-app.com/terms).", "pricing": "freemium", "pricingNotes": "Basic is free. Plus £4.99 a month or £41.99 a year, Pro £9.99 a month or £83.99 a year, Ultimate £14.99 a month or £124.99 a year, with a 7-day free trial (https://emma-app.com/plans/compare-emma-plans). Plans differ in bank logins (2 on Basic, 4 on Plus, unlimited above), transfer limits and credit-report detail.", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on emma-app.com, its plans page, terms or llms.txt (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://emma-app.com/llms.txt", "capabilities": [ "finance.subscriptions", "finance.budgets", "finance.bills", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "llms-txt" ], "lastRelease": "2026-10-12", "graded": true, "anchor": { "graded": true, "score": 17.4, "grade": "F", "agentReady": false, "rank": 1044, "ranked": true, "rankOf": 1076, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 54, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 49 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.", "bestFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.", "strengths": [ "Free Basic plan, with paid tiers priced on the plans page.", "13 iOS releases between 22 July and 12 October 2026.", "FCA registration numbers and an ICO registration published on the site." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The terms forbid access by bots, scripts, crawlers or scrapers.", "No status page, security.txt or disclosure policy found.", "Terms and privacy policy carry no dates, and give two different registered offices." ], "agentNotes": [ "Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.", "For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page." ], "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": 17.4 } ], "editorialScores": { "ergonomics": 0, "maintenance": 54, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 45 }, "provenanceScore": 53 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/emma" }, "area": "domain-data", "provenance": { "legalEntity": "Emma Technologies Ltd", "domain": "emma-app.com", "domainRegistered": "2017-06-30", "endpointOnVendorDomain": null, "terms": "https://emma-app.com/terms", "privacy": "https://emma-app.com/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms name Emma Technologies LTD, registered in England and Wales, number 10578464, governed by English law. No date was found on the terms or the privacy policy.", "emma-app.com/.well-known/security.txt returns 404, and status.emma-app.com has no DNS record.", "The registered office differs between the terms (49-51 Central Street, EC1V 8AB) and the site footer (18 Brunswick Place, N1 6DZ).", "RDAP gives a registration date of 2017-06-30 for emma-app.com." ], "score": 53 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/emma.json" }, "answer": "Plum scores 27.4 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories.", "b": { "slug": "plum", "name": "Plum", "vendor": "Plum Fintech Limited", "vendorUrl": "https://withplum.com", "kind": "platform", "category": "personal-finance", "summary": "Plum is a saving and investing app for the UK and parts of Europe. It analyses spending from connected bank accounts, moves money aside automatically, and holds savings accounts, ISAs, a pension, investments and an AI financial plan.", "url": "https://www.anchorterminal.com/tools/plum", "markdownUrl": "https://www.anchorterminal.com/tools/plum.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plum.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plum.json", "license": "Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Plum account in the iOS or Android app, with identity checks. Bank accounts connect read-only through TrueLayer (https://withplum.com/legal/privacy, https://withplum.com/legal/terms).", "pricing": "freemium", "pricingNotes": "Basic is free. Plus £3.99, Boost £7.99 and Max £14.99 a month, with the first month of a paid tier free; investment fees and interest rates vary by tier (https://withplum.com/subscriptions). Other fees are on the fees page (https://withplum.com/legal/fees).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on withplum.com, its llms.txt, subscriptions page or terms (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://withplum.com/llms.txt", "capabilities": [ "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "eu", "status-page", "llms-txt" ], "lastRelease": "2026-10-12", "graded": true, "anchor": { "graded": true, "score": 27.4, "grade": "F", "agentReady": false, "rank": 1026, "ranked": true, "rankOf": 1076, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 60, "schema": 10, "security": 0, "transparency": 58 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found.", "bestFor": "UK and European users who want saving and investing automated from their spending.", "strengths": [ "Free Basic tier, with paid tiers priced publicly and free for the first month.", "16 iOS releases between 16 July and 12 October 2026.", "Status page with one no-impact incident in the last 90 days." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "No security.txt, disclosure policy or certification found.", "Anonymised transaction data may be shared for commercial purposes, per the privacy policy.", "Terms and privacy policy carry no dates." ], "agentNotes": [ "Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.", "Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person." ], "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": 27.4 } ], "editorialScores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 60, "schema": 10, "security": 0, "transparency": 43 }, "provenanceScore": 72 }, "letme": { "capability": "https://letme.dev/finance.transactions", "tool": "https://letme.dev/plum" }, "area": "domain-data", "provenance": { "legalEntity": "Plum Fintech Limited", "domain": "withplum.com", "domainRegistered": "2016-03-15", "endpointOnVendorDomain": null, "terms": "https://withplum.com/legal/terms", "privacy": "https://withplum.com/legal/privacy", "statusPage": "https://status.withplum.com", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms are with Plum Fintech Limited and Saveable Limited acting together. The privacy policy names both as data controllers, with a DPO at dpo@withplum.com. No date was found on either.", "withplum.com/.well-known/security.txt returns 404, and no security or disclosure page was found.", "The status page at status.withplum.com is a Statuspage site.", "RDAP gives a registration date of 2016-03-15 for withplum.com." ], "score": 72 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plum.json", "live": { "slug": "plum", "vendorStatus": { "page": "https://status.withplum.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:37.163047282Z" }, "updatedAt": "2026-10-14T09:39:37.163047282Z" } }, "facts": [ { "a": "Platform", "b": "Platform", "name": "Kind" }, { "a": "Emma Technologies Ltd", "b": "Plum Fintech Limited", "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": "Freemium", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)", "b": "Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited)", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-12", "b": "2026-10-12", "name": "Last release" }, { "a": "no date given", "b": "2026-07-15", "name": "Terms last updated" }, { "a": "no date given", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "not found in the text", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Plum scores 27.4 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories.", "question": "Which is better for AI agents, Emma or Plum?" } ], "goodFor": [ { "aheadOn": null, "also": null, "goodFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.", "slug": "emma", "watchFor": "No public API or MCP server an outside agent can call." }, { "aheadOn": [ "Reliability, 60 against 15", "Transparency \u0026 trust, 58 against 49" ], "also": null, "goodFor": "UK and European users who want saving and investing automated from their spending.", "slug": "plum", "watchFor": "No public API or MCP server an outside agent can call." } ], "job": { "capability": "finance.transactions", "name": "Personal transactions" }, "others": [ { "json": "https://www.anchorterminal.com/compare/emma-vs-hiatus.json", "title": "Emma vs Hiatus", "url": "https://www.anchorterminal.com/compare/emma-vs-hiatus" }, { "json": "https://www.anchorterminal.com/compare/emma-vs-pocketguard.json", "title": "Emma vs PocketGuard", "url": "https://www.anchorterminal.com/compare/emma-vs-pocketguard" }, { "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json", "title": "Emma vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/emma-vs-rocket-money.json", "title": "Emma vs Rocket Money", "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money" }, { "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/emma-vs-snoop.json", "title": "Emma vs Snoop", "url": "https://www.anchorterminal.com/compare/emma-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/emma-vs-ynab.json", "title": "Emma vs YNAB", "url": "https://www.anchorterminal.com/compare/emma-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" }, { "json": "https://www.anchorterminal.com/compare/hiatus-vs-plum.json", "title": "Hiatus vs Plum", "url": "https://www.anchorterminal.com/compare/hiatus-vs-plum" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-pocketguard.json", "title": "Plum vs PocketGuard", "url": "https://www.anchorterminal.com/compare/plum-vs-pocketguard" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.json", "title": "Plum vs Quicken Simplifi", "url": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-rocket-money.json", "title": "Plum vs Rocket Money", "url": "https://www.anchorterminal.com/compare/plum-vs-rocket-money" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-snoop.json", "title": "Plum vs Snoop", "url": "https://www.anchorterminal.com/compare/plum-vs-snoop" }, { "json": "https://www.anchorterminal.com/compare/plum-vs-ynab.json", "title": "Plum vs YNAB", "url": "https://www.anchorterminal.com/compare/plum-vs-ynab" } ], "scores": [ { "by": 45, "edge": "plum", "emma": 15, "key": "reliability", "name": "Reliability", "plum": 60, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 0, "edge": "", "emma": 10, "key": "schema", "name": "Schema \u0026 documentation", "plum": 10, "weight": 13 }, { "by": 0, "edge": "", "emma": 0, "key": "ergonomics", "name": "Agent ergonomics", "plum": 0, "weight": 13 }, { "by": 0, "edge": "", "emma": 0, "key": "security", "name": "Security \u0026 auth", "plum": 0, "weight": 14 }, { "by": 0, "edge": "", "emma": 30, "key": "payments", "name": "Payments \u0026 pricing", "plum": 30, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 2, "edge": "plum", "emma": 54, "key": "maintenance", "name": "Maintenance \u0026 community", "plum": 56, "weight": 7 }, { "by": 9, "edge": "plum", "emma": 49, "key": "transparency", "name": "Transparency \u0026 trust", "plum": 58, "weight": 7 } ], "summary": "Plum scores 27.4 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Both do personal transactions.", "verdicts": { "emma": "Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.", "plum": "Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/emma-vs-plum", "json": "https://www.anchorterminal.com/compare/emma-vs-plum.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/emma-vs-plum.md", "slim": "https://www.anchorterminal.com/compare/emma-vs-plum.min.md" }, "markdown": "Plum scores 27.4 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Both do personal transactions.\n\n- Emma: grade F, 17.4/100, rank #1044 of 1076. Markdown https://www.anchorterminal.com/tools/emma.md · JSON https://www.anchorterminal.com/api/v1/tools/emma.json\n- Plum: grade F, 27.4/100, rank #1026 of 1076. Markdown https://www.anchorterminal.com/tools/plum.md · JSON https://www.anchorterminal.com/api/v1/tools/plum.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### Emma (F)\n\nGood for: UK users who want subscriptions, bills and budgets in one app, with savings and investing.\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### Plum (F)\n\nGood for: UK and European users who want saving and investing automated from their spending.\n\nAhead on:\n- Reliability, 60 against 15\n- Transparency \u0026 trust, 58 against 49\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Emma | Plum | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 60 | Plum +45 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 10 | even |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 0 | even |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 30 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 54 | 56 | Plum +2 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 58 | Plum +9 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17.4 · F** | **27.4 · F** | |\n\n## Facts side by side\n\n| Fact | Emma | Plum |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Emma Technologies Ltd | Plum Fintech Limited |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports | | |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-12 | 2026-10-12 |\n| Terms last updated | no date given | 2026-07-15 |\n| Privacy policy last updated | no date given | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | not found in the text |\n| Terms restrict benchmarking | not found in the text | not found in the text |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n\n## Verdicts\n\n**Emma.** Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.\n\n**Plum.** Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found.\n\n## Before you call either\n\n### Emma\n\n1. Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.\n2. For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page.\n\n### Plum\n\n1. Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.\n2. Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person.\n\n## Questions\n\n### Which is better for AI agents, Emma or Plum?\n\nPlum scores 27.4 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/emma-vs-plum.json, and with the fewest tokens: https://www.anchorterminal.com/compare/emma-vs-plum.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"emma\", \"b\": \"plum\"}`. From a terminal: `anchor compare emma plum`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/emma.json and https://www.anchorterminal.com/api/v1/tools/plum.json\n\n## Other comparisons with Emma or Plum\n\n- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md)\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n- [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md)\n- [Plum vs PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.md)\n- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)\n- [Plum vs Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.md)\n- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)\n- [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Emma vs Plum", "url": "" } ], "description": "Plum scores 27.4 (F) to Emma's 17.4 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Emma F 17.4", "Plum F 27.4", "scores" ], "h1": "Emma vs Plum", "image": "https://www.anchorterminal.com/assets/og/compare-emma-vs-plum.png", "path": "/compare/emma-vs-plum", "published": "2026-10-01", "section": "tools", "title": "Emma vs Plum for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/emma-vs-plum" }, "tokens": { "markdown": 1700, "slim": 480 }, "version": 1 }