# folk vs Lindy

> Lindy scores 32.3 (F) to folk's 19.8 (F) for proactive personal assistants. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/folk-nozomio-vs-lindy
- Markdown: https://www.anchorterminal.com/compare/folk-nozomio-vs-lindy.md (~3,350 tokens)
- Slim: https://www.anchorterminal.com/compare/folk-nozomio-vs-lindy.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/folk-nozomio-vs-lindy.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: 2026-10-13

Lindy scores 32.3 (F) on agent readiness against folk's 19.8 (F), and leads in 4 of 7 scored categories. folk leads on maintenance & community and transparency & trust. Both do proactive personal assistants.

- folk: grade F, 19.8/100, rank #993 of 1010. Markdown https://www.anchorterminal.com/tools/folk-nozomio.md · JSON https://www.anchorterminal.com/api/v1/tools/folk-nozomio.json
- Lindy: grade F, 32.3/100, rank #974 of 1010. Markdown https://www.anchorterminal.com/tools/lindy.md · JSON https://www.anchorterminal.com/api/v1/tools/lindy.json
- Best AI personal assistants that act for one person: https://www.anchorterminal.com/best/personal-assistants/index.md
- All 834 assistants comparisons: https://www.anchorterminal.com/compare/personal-assistants/index.md

## Which one, for what

### folk (F)

Good for: People who want a texting companion for habits, workouts, study and money goals, with a free tier.

Ahead on:
- Maintenance & community, 35 against 9
- Transparency & trust, 67 against 52

Also in its favour:
- No incidents deducted, where Lindy loses 3 points for them

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

### Lindy (F)

Good for: Lindy suits a person or small team that lives in Slack and Google or Microsoft mail and wants briefs, drafts, scheduling and meeting notes done on a schedule.

Ahead on:
- Schema & documentation, 32 against 10
- Agent ergonomics, 43 against 0
- Security & auth, 49 against 3
- Payments & pricing, 35 against 30

Watch for: The integrations page says approval settings apply in shared Slack threads only. Web chat, Slack direct messages, iMessage and SMS are not covered, and reads are never covered.


## Score by category

| Category | Weight | folk | Lindy | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 25 | 24 | folk +1 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 10 | 32 | Lindy +22 |
| Agent ergonomics | 13% (16.2 this run) | 0 | 43 | Lindy +43 |
| Security & auth | 14% (17.5 this run) | 3 | 49 | Lindy +46 |
| Payments & pricing | 10% (12.5 this run) | 30 | 35 | Lindy +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 35 | 9 | folk +26 |
| Transparency & trust | 7% (8.8 this run) | 67 | 52 | folk +15 |
| Negative events | ≤15 | 0 | -3 | |
| **Total** | | **19.8 · F** | **32.3 · F** | |

## Facts side by side

| Fact | folk | Lindy |
| --- | --- | --- |
| Kind | Platform | Platform |
| Vendor | Nozomio, Inc. | Crivello Corp (doing business as Lindy) |
| Hosted endpoint | no (local only) | no (local only) |
| Transports |  |  |
| Auth | OAuth or key | OAuth |
| Pricing | Freemium | Paid |
| x402 | no | no |
| Licence | Closed service under folk's terms (Nozomio, Inc., last updated 8 September 2026). | Proprietary service under Lindy's Terms of Service. No source is published |
| Read-only variant documented | yes | no |
| llms.txt | yes | yes |
| Last release | 2026-10-12 | 2025-10-21 |
| Terms last updated |  | 2026-09-24 |
| Privacy policy last updated |  | 2026-09-28 |
| Customer content may train models |  | not found in the text |
| Terms restrict automated access |  | yes |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | yes |
| Arbitration or class-action waiver |  | yes |

## Verdicts

**folk.** folk is a texting accountability assistant with its own cloud computer, a free tier with no card and a privacy policy that rules out training on user data. No outside agent can call it, no status page or changelog was found, and its llms.txt and pricing file disagree on free limits and Max's price.

**Lindy.** Lindy keeps what it remembers in files the owner can read and edit, and publishes credit prices. Its approval setting applies in shared Slack threads only, so writes asked for by direct message, text or web chat run unasked, which its pricing page does not say. It has no status page, and its changelog stops in October 2025.

## Before you call either

### folk

1. Don't plan to call folk from another agent. It answers only the owner's iMessage, Telegram or WhatsApp thread and iPhone app.
2. Quote limits and prices from pricing.md and the terms, and note that llms.txt gives different free-tier limits.

### Lindy

1. Treat a request sent by direct message, text or web chat as unguarded. Approval prompts appear in shared Slack threads only.
2. Run a routine as a dry run before turning it on. A dry run reads real data and sends, posts and writes nothing.
3. Turn off unused tools after adding an MCP server. Every supported tool arrives switched on, and a large server adds more than a hundred.
4. Expect a billed seat for anyone who mentions Lindy in Slack. A teammate who joins that way has seven free days first.
5. Connect only hosted MCP servers on public HTTPS with streamable HTTP, the one kind the docs describe.

## Questions

### Which is better for AI agents, folk or Lindy?

Lindy scores 32.3 (F) on agent readiness against folk's 19.8 (F), and leads in 4 of 7 scored categories. folk leads on maintenance & community and transparency & trust.


## For agents

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

## Other comparisons with folk or Lindy

- [asaply vs folk](https://www.anchorterminal.com/compare/asaply-vs-folk-nozomio.md)
- [asaply vs Lindy](https://www.anchorterminal.com/compare/asaply-vs-lindy.md)
- [Asmi vs folk](https://www.anchorterminal.com/compare/asmi-vs-folk-nozomio.md)
- [Asmi vs Lindy](https://www.anchorterminal.com/compare/asmi-vs-lindy.md)
- [Boba vs folk](https://www.anchorterminal.com/compare/boba-vs-folk-nozomio.md)
- [Boba vs Lindy](https://www.anchorterminal.com/compare/boba-vs-lindy.md)
- [Brea vs folk](https://www.anchorterminal.com/compare/brea-vs-folk-nozomio.md)
- [Brea vs Lindy](https://www.anchorterminal.com/compare/brea-vs-lindy.md)
- [Del vs folk](https://www.anchorterminal.com/compare/del-vs-folk-nozomio.md)
- [Del vs Lindy](https://www.anchorterminal.com/compare/del-vs-lindy.md)
- [folk vs HireAlpha](https://www.anchorterminal.com/compare/folk-nozomio-vs-hirealpha.md)
- [folk vs OpenInstinct](https://www.anchorterminal.com/compare/folk-nozomio-vs-openinstinct.md)
- [folk vs Orbits](https://www.anchorterminal.com/compare/folk-nozomio-vs-orbits.md)
- [folk vs Orchid](https://www.anchorterminal.com/compare/folk-nozomio-vs-orchid-ai.md)
- [folk vs szn](https://www.anchorterminal.com/compare/folk-nozomio-vs-szn.md)
- [folk vs Tab](https://www.anchorterminal.com/compare/folk-nozomio-vs-tab-bot.md)
- [folk vs Zapia](https://www.anchorterminal.com/compare/folk-nozomio-vs-zapia.md)
- [HireAlpha vs Lindy](https://www.anchorterminal.com/compare/hirealpha-vs-lindy.md)
- [Lindy vs OpenInstinct](https://www.anchorterminal.com/compare/lindy-vs-openinstinct.md)
- [Lindy vs Orbits](https://www.anchorterminal.com/compare/lindy-vs-orbits.md)
- [Lindy vs Orchid](https://www.anchorterminal.com/compare/lindy-vs-orchid-ai.md)
- [Lindy vs szn](https://www.anchorterminal.com/compare/lindy-vs-szn.md)
- [Lindy vs Tab](https://www.anchorterminal.com/compare/lindy-vs-tab-bot.md)
- [Lindy vs Zapia](https://www.anchorterminal.com/compare/lindy-vs-zapia.md)
- [AstrBot vs folk](https://www.anchorterminal.com/compare/astrbot-vs-folk-nozomio.md)
- [AstrBot vs Lindy](https://www.anchorterminal.com/compare/astrbot-vs-lindy.md)
- [Boski vs folk](https://www.anchorterminal.com/compare/boski-vs-folk-nozomio.md)
- [Boski vs Lindy](https://www.anchorterminal.com/compare/boski-vs-lindy.md)
- [Caddy vs folk](https://www.anchorterminal.com/compare/caddy-app-vs-folk-nozomio.md)
- [Caddy vs Lindy](https://www.anchorterminal.com/compare/caddy-app-vs-lindy.md)
- [CowAgent vs folk](https://www.anchorterminal.com/compare/cowagent-vs-folk-nozomio.md)
- [CowAgent vs Lindy](https://www.anchorterminal.com/compare/cowagent-vs-lindy.md)
- [folk vs GAIA](https://www.anchorterminal.com/compare/folk-nozomio-vs-gaia.md)
- [folk vs Gemini Spark](https://www.anchorterminal.com/compare/folk-nozomio-vs-gemini-spark.md)
- [folk vs Grok Bot](https://www.anchorterminal.com/compare/folk-nozomio-vs-grok-bot.md)
- [folk vs Haven](https://www.anchorterminal.com/compare/folk-nozomio-vs-haven.md)
- [folk vs Hermes Agent](https://www.anchorterminal.com/compare/folk-nozomio-vs-hermes-agent.md)
- [folk vs Instinct](https://www.anchorterminal.com/compare/folk-nozomio-vs-instinct.md)
- [folk vs IronClaw](https://www.anchorterminal.com/compare/folk-nozomio-vs-ironclaw.md)
- [folk vs Leon](https://www.anchorterminal.com/compare/folk-nozomio-vs-leon.md)
- [folk vs nanobot](https://www.anchorterminal.com/compare/folk-nozomio-vs-nanobot.md)
- [folk vs NanoClaw](https://www.anchorterminal.com/compare/folk-nozomio-vs-nanoclaw.md)
- [folk vs Dots](https://www.anchorterminal.com/compare/folk-nozomio-vs-openai-dots.md)
- [folk vs OpenClaw](https://www.anchorterminal.com/compare/folk-nozomio-vs-openclaw.md)
- [folk vs PicoClaw](https://www.anchorterminal.com/compare/folk-nozomio-vs-picoclaw.md)
- [folk vs Poke](https://www.anchorterminal.com/compare/folk-nozomio-vs-poke.md)
- [folk vs QwenPaw](https://www.anchorterminal.com/compare/folk-nozomio-vs-qwenpaw.md)
- [folk vs Town](https://www.anchorterminal.com/compare/folk-nozomio-vs-town.md)
- [folk vs ZeroClaw](https://www.anchorterminal.com/compare/folk-nozomio-vs-zeroclaw.md)
- [folk vs Zo Computer](https://www.anchorterminal.com/compare/folk-nozomio-vs-zo-computer.md)
- [GAIA vs Lindy](https://www.anchorterminal.com/compare/gaia-vs-lindy.md)
- [Gemini Spark vs Lindy](https://www.anchorterminal.com/compare/gemini-spark-vs-lindy.md)
- [Grok Bot vs Lindy](https://www.anchorterminal.com/compare/grok-bot-vs-lindy.md)
- [Haven vs Lindy](https://www.anchorterminal.com/compare/haven-vs-lindy.md)
- [Hermes Agent vs Lindy](https://www.anchorterminal.com/compare/hermes-agent-vs-lindy.md)
- [Instinct vs Lindy](https://www.anchorterminal.com/compare/instinct-vs-lindy.md)
- [IronClaw vs Lindy](https://www.anchorterminal.com/compare/ironclaw-vs-lindy.md)
- [Leon vs Lindy](https://www.anchorterminal.com/compare/leon-vs-lindy.md)
- [Lindy vs nanobot](https://www.anchorterminal.com/compare/lindy-vs-nanobot.md)
- [Lindy vs NanoClaw](https://www.anchorterminal.com/compare/lindy-vs-nanoclaw.md)
- [Lindy vs Dots](https://www.anchorterminal.com/compare/lindy-vs-openai-dots.md)
- [Lindy vs OpenClaw](https://www.anchorterminal.com/compare/lindy-vs-openclaw.md)
- [Lindy vs PicoClaw](https://www.anchorterminal.com/compare/lindy-vs-picoclaw.md)
- [Lindy vs Poke](https://www.anchorterminal.com/compare/lindy-vs-poke.md)
- [Lindy vs QwenPaw](https://www.anchorterminal.com/compare/lindy-vs-qwenpaw.md)
- [Lindy vs Town](https://www.anchorterminal.com/compare/lindy-vs-town.md)
- [Lindy vs ZeroClaw](https://www.anchorterminal.com/compare/lindy-vs-zeroclaw.md)
- [Lindy vs Zo Computer](https://www.anchorterminal.com/compare/lindy-vs-zo-computer.md)
- [folk vs Natura tinyNature](https://www.anchorterminal.com/compare/folk-nozomio-vs-natura.md)
- [folk vs Pally](https://www.anchorterminal.com/compare/folk-nozomio-vs-pally.md)
- [folk vs Tomo](https://www.anchorterminal.com/compare/folk-nozomio-vs-tomo.md)
- [folk vs Wajo (Fo)](https://www.anchorterminal.com/compare/folk-nozomio-vs-wajo.md)
- [Lindy vs Natura tinyNature](https://www.anchorterminal.com/compare/lindy-vs-natura.md)
- [Lindy vs Pally](https://www.anchorterminal.com/compare/lindy-vs-pally.md)
- [Lindy vs Tomo](https://www.anchorterminal.com/compare/lindy-vs-tomo.md)
- [Lindy vs Wajo (Fo)](https://www.anchorterminal.com/compare/lindy-vs-wajo.md)
- [folk vs Talorys](https://www.anchorterminal.com/compare/folk-nozomio-vs-talorys.md)
- [Lindy vs Talorys](https://www.anchorterminal.com/compare/lindy-vs-talorys.md)

## Disclosure

- folk 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.