# folk vs Wajo (Fo) (slim)

> Wajo scores 43.9 (E) to folk's 19.8 (F) for assistants that act in your accounts. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/folk-nozomio-vs-wajo.md (~3,400 tokens) · this version ~580 tokens · JSON https://www.anchorterminal.com/compare/folk-nozomio-vs-wajo.json · canonical https://www.anchorterminal.com/compare/folk-nozomio-vs-wajo
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-13

Wajo (Fo) scores 43.9 (E) 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 assistants that act in your accounts.

- folk: F 19.8, rank #993 of 1010 · https://www.anchorterminal.com/tools/folk-nozomio.min.md
- Wajo (Fo): E 43.9, rank #909 of 1010 · https://www.anchorterminal.com/tools/wajo.min.md
- folk, 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 3; Transparency & trust, 67 against 47. Also Free to start without a card.
- Wajo (Fo), good for An agent or AI app that needs to hand a person's errands, calls and purchases to a hosted assistant over MCP. Ahead on Reliability, 30 against 25; Schema & documentation, 74 against 10; Agent ergonomics, 68 against 0; Security & auth, 38 against 3. Also A hosted endpoint, with nothing to install.

| Category | folk | Wajo (Fo) |
| --- | --- | --- |
| Reliability (16%) | 25 | 30 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 10 | 74 |
| Agent ergonomics (13%) | 0 | 68 |
| Security & auth (14%) | 3 | 38 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 35 | 3 |
| Transparency & trust (7%) | 67 | 47 |

| Fact (where they differ) | folk | Wajo (Fo) |
| --- | --- | --- |
| Vendor | Nozomio, Inc. | Wajo, Inc. |
| Hosted endpoint | no (local only) | `https://mcp.api.wajo.ai/mcp` |
| Transports |  | Streamable HTTP |
| Licence | Closed service under folk's terms (Nozomio, Inc., last updated 8 September 2026). | Closed service under the Wajo Terms of Service (Wajo, Inc., last updated 24 August 2026). |
| Tools exposed | none | 21 |
| Read-only variant documented | yes | no |
| Last release | 2026-10-12 | none |