Honcho vs Mem0 Platform + MCP

Honcho

Pay per call over x402 or MPP at agentcash.honcho.dev, with free read endpoints. No published rate limits, 429 guidance or SLA.

Mem0 Platform + MCP

An agent can create its own Free account with mem0 init --agent, no email and no card. Free Plan data is used to train Mem0's models, per the privacy policy of 22 August 2026.

Honcho

1. Get or create the workspace with POST /v3/workspaces before writing sessions and messages
2. Batch up to 100 messages per request, each under 25,000 characters
3. Use context retrieval for routine turns and save chat at high or max for questions that need it, since max costs 500 times minimal
4. Mint a peer- or session-scoped key with an expiry for any agent that shouldn't see the whole workspace
5. Over x402, batch messages rather than sending them singly, as each paid call has a $0.001 floor

Mem0 Platform + MCP

1. Send the REST key as Authorization: Token <key>, and the MCP key as Bearer
2. Don't search for a memory straight after adding it. Adds are queued, so poll get_event_status with the returned event ID
3. Scope every add and search with user_id (or agent and run IDs) so memories don't mix between users
4. Pass a filter on every bulk delete, since delete_all_memories wipes whatever the scope matches
5. On Hobby and Starter, count retrievals rather than adds. The retrieval quota is a tenth the size