# folk vs Zo Computer > Zo Computer scores 43.1 (E) 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-zo-computer - Markdown: https://www.anchorterminal.com/compare/folk-nozomio-vs-zo-computer.md (~3,550 tokens) - Slim: https://www.anchorterminal.com/compare/folk-nozomio-vs-zo-computer.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/compare/folk-nozomio-vs-zo-computer.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 Zo Computer scores 43.1 (E) on agent readiness against folk's 19.8 (F), and leads in 5 of 7 scored categories. folk leads on reliability 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 - Zo Computer: grade E, 43.1/100, rank #915 of 1010. Markdown https://www.anchorterminal.com/tools/zo-computer.md · JSON https://www.anchorterminal.com/api/v1/tools/zo-computer.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: - Reliability, 25 against 15 - Transparency & trust, 67 against 60 Also in its favour: - Free to start without a card Watch for: No API, MCP server or A2A endpoint for an outside agent. ### Zo Computer (E) Good for: One person who wants a hosted assistant with its own Linux machine, reachable by text message and chat apps, and who accepts that the assistant acts on connected accounts without a documented approval step. Ahead on: - Schema & documentation, 73 against 10 - Agent ergonomics, 34 against 0 - Security & auth, 37 against 3 - Payments & pricing, 40 against 30 - Maintenance & community, 68 against 35 Also in its favour: - A hosted endpoint, with nothing to install Watch for: The access token for the API and MCP endpoint grants full access to the workspace, with no scoped or read-only token documented ## Score by category | Category | Weight | folk | Zo Computer | Edge | | --- | --- | --- | --- | --- | | Reliability | 16% (20 this run) | 25 | 15 | folk +10 | | Performance | 10%, pending | pending | pending | not scored in this run | | Schema & documentation | 13% (16.2 this run) | 10 | 73 | Zo Computer +63 | | Agent ergonomics | 13% (16.2 this run) | 0 | 34 | Zo Computer +34 | | Security & auth | 14% (17.5 this run) | 3 | 37 | Zo Computer +34 | | Payments & pricing | 10% (12.5 this run) | 30 | 40 | Zo Computer +10 | | Task success | 10%, pending | pending | pending | not scored in this run | | Maintenance & community | 7% (8.8 this run) | 35 | 68 | Zo Computer +33 | | Transparency & trust | 7% (8.8 this run) | 67 | 60 | folk +7 | | Negative events | ≤15 | 0 | 0 | | | **Total** | | **19.8 · F** | **43.1 · E** | | ## Facts side by side | Fact | folk | Zo Computer | | --- | --- | --- | | Kind | Platform | HTTP API | | Vendor | Nozomio, Inc. | Zo Computer Company | | Hosted endpoint | no (local only) | `https://api.zo.computer/mcp` | | Transports | | HTTP | | Auth | OAuth or key | API key | | Pricing | Freemium | Freemium | | x402 | no | no | | Licence | Closed service under folk's terms (Nozomio, Inc., last updated 8 September 2026). | Proprietary service under Zo Computer Company's terms of service | | Read-only variant documented | yes | no | | llms.txt | yes | yes | | Last release | 2026-10-12 | 2026-09-14 | | Terms last updated | | 2025-08-08 | | Privacy policy last updated | | 2026-05-20 | | Customer content may train models | | not found in the text | | Terms restrict automated access | | not found in the text | | Terms restrict benchmarking | | not found in the text | | Terms or service can change without notice | | not found in the text | | Arbitration or class-action waiver | | not found in the text | ## 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. **Zo Computer.** Zo publishes an OpenAPI file, Markdown docs, plan prices and a named list of the providers that receive user content. One access token grants full access to the workspace, no approval step before sending or buying was found in the reviewed docs, and no status page, rate limit or SLA is published. ## 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. ### Zo Computer 1. Send `POST https://api.zo.computer/zo/ask` with `Authorization: Bearer zo_sk_...` and an `input` string. The owner creates the token under Settings > Advanced 2. Pass `persona_id` for a persona with a narrow tool set. The token itself carries every permission the owner has 3. Set `memory_mode` to `off` to keep workspace memory out of a request. The field is in the OpenAPI file and absent from the API guide 4. Do not retry `/zo/ask` blindly after a timeout. No idempotency key is documented and the request may already have sent a message 5. Append `.md` to any guide or reference URL for Markdown ## Questions ### Which is better for AI agents, folk or Zo Computer? Zo Computer scores 43.1 (E) on agent readiness against folk's 19.8 (F), and leads in 5 of 7 scored categories. folk leads on reliability and transparency & trust. ### Can an agent call folk and Zo Computer without installing anything? No hosted endpoint is listed for folk. Zo Computer has a hosted endpoint at https://api.zo.computer/mcp. ## For agents - This comparison as JSON: https://www.anchorterminal.com/compare/folk-nozomio-vs-zo-computer.json, and with the fewest tokens: https://www.anchorterminal.com/compare/folk-nozomio-vs-zo-computer.min.md - Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "folk-nozomio", "b": "zo-computer"}`. From a terminal: `anchor compare folk-nozomio zo-computer` - Each listing in full: https://www.anchorterminal.com/api/v1/tools/folk-nozomio.json and https://www.anchorterminal.com/api/v1/tools/zo-computer.json ## Other comparisons with folk or Zo Computer - [asaply vs folk](https://www.anchorterminal.com/compare/asaply-vs-folk-nozomio.md) - [asaply vs Zo Computer](https://www.anchorterminal.com/compare/asaply-vs-zo-computer.md) - [Asmi vs folk](https://www.anchorterminal.com/compare/asmi-vs-folk-nozomio.md) - [Asmi vs Zo Computer](https://www.anchorterminal.com/compare/asmi-vs-zo-computer.md) - [Boba vs folk](https://www.anchorterminal.com/compare/boba-vs-folk-nozomio.md) - [Boba vs Zo Computer](https://www.anchorterminal.com/compare/boba-vs-zo-computer.md) - [Brea vs folk](https://www.anchorterminal.com/compare/brea-vs-folk-nozomio.md) - [Brea vs Zo Computer](https://www.anchorterminal.com/compare/brea-vs-zo-computer.md) - [Del vs folk](https://www.anchorterminal.com/compare/del-vs-folk-nozomio.md) - [Del vs Zo Computer](https://www.anchorterminal.com/compare/del-vs-zo-computer.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 Zo Computer](https://www.anchorterminal.com/compare/hirealpha-vs-zo-computer.md) - [OpenInstinct vs Zo Computer](https://www.anchorterminal.com/compare/openinstinct-vs-zo-computer.md) - [Orbits vs Zo Computer](https://www.anchorterminal.com/compare/orbits-vs-zo-computer.md) - [Orchid vs Zo Computer](https://www.anchorterminal.com/compare/orchid-ai-vs-zo-computer.md) - [szn vs Zo Computer](https://www.anchorterminal.com/compare/szn-vs-zo-computer.md) - [Tab vs Zo Computer](https://www.anchorterminal.com/compare/tab-bot-vs-zo-computer.md) - [Zapia vs Zo Computer](https://www.anchorterminal.com/compare/zapia-vs-zo-computer.md) - [AstrBot vs folk](https://www.anchorterminal.com/compare/astrbot-vs-folk-nozomio.md) - [AstrBot vs Zo Computer](https://www.anchorterminal.com/compare/astrbot-vs-zo-computer.md) - [Boski vs folk](https://www.anchorterminal.com/compare/boski-vs-folk-nozomio.md) - [Boski vs Zo Computer](https://www.anchorterminal.com/compare/boski-vs-zo-computer.md) - [Caddy vs folk](https://www.anchorterminal.com/compare/caddy-app-vs-folk-nozomio.md) - [Caddy vs Zo Computer](https://www.anchorterminal.com/compare/caddy-app-vs-zo-computer.md) - [CowAgent vs folk](https://www.anchorterminal.com/compare/cowagent-vs-folk-nozomio.md) - [CowAgent vs Zo Computer](https://www.anchorterminal.com/compare/cowagent-vs-zo-computer.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 Lindy](https://www.anchorterminal.com/compare/folk-nozomio-vs-lindy.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) - [GAIA vs Zo Computer](https://www.anchorterminal.com/compare/gaia-vs-zo-computer.md) - [Gemini Spark vs Zo Computer](https://www.anchorterminal.com/compare/gemini-spark-vs-zo-computer.md) - [Grok Bot vs Zo Computer](https://www.anchorterminal.com/compare/grok-bot-vs-zo-computer.md) - [Haven vs Zo Computer](https://www.anchorterminal.com/compare/haven-vs-zo-computer.md) - [Hermes Agent vs Zo Computer](https://www.anchorterminal.com/compare/hermes-agent-vs-zo-computer.md) - [Instinct vs Zo Computer](https://www.anchorterminal.com/compare/instinct-vs-zo-computer.md) - [IronClaw vs Zo Computer](https://www.anchorterminal.com/compare/ironclaw-vs-zo-computer.md) - [Leon vs Zo Computer](https://www.anchorterminal.com/compare/leon-vs-zo-computer.md) - [Lindy vs Zo Computer](https://www.anchorterminal.com/compare/lindy-vs-zo-computer.md) - [nanobot vs Zo Computer](https://www.anchorterminal.com/compare/nanobot-vs-zo-computer.md) - [NanoClaw vs Zo Computer](https://www.anchorterminal.com/compare/nanoclaw-vs-zo-computer.md) - [Dots vs Zo Computer](https://www.anchorterminal.com/compare/openai-dots-vs-zo-computer.md) - [OpenClaw vs Zo Computer](https://www.anchorterminal.com/compare/openclaw-vs-zo-computer.md) - [PicoClaw vs Zo Computer](https://www.anchorterminal.com/compare/picoclaw-vs-zo-computer.md) - [Poke vs Zo Computer](https://www.anchorterminal.com/compare/poke-vs-zo-computer.md) - [QwenPaw vs Zo Computer](https://www.anchorterminal.com/compare/qwenpaw-vs-zo-computer.md) - [Town vs Zo Computer](https://www.anchorterminal.com/compare/town-vs-zo-computer.md) - [ZeroClaw vs Zo Computer](https://www.anchorterminal.com/compare/zeroclaw-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) - [Natura tinyNature vs Zo Computer](https://www.anchorterminal.com/compare/natura-vs-zo-computer.md) - [Pally vs Zo Computer](https://www.anchorterminal.com/compare/pally-vs-zo-computer.md) - [Tomo vs Zo Computer](https://www.anchorterminal.com/compare/tomo-vs-zo-computer.md) - [Wajo (Fo) vs Zo Computer](https://www.anchorterminal.com/compare/wajo-vs-zo-computer.md) - [folk vs Talorys](https://www.anchorterminal.com/compare/folk-nozomio-vs-talorys.md) - [Talorys vs Zo Computer](https://www.anchorterminal.com/compare/talorys-vs-zo-computer.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.