# Instinct vs Pally (slim)

> Pally scores 37.8 (F) to Instinct's 7.3 (F) for assistants that act in your accounts. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/instinct-vs-pally.md (~2,700 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/instinct-vs-pally.json · canonical https://www.anchorterminal.com/compare/instinct-vs-pally
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-12

Pally scores 37.8 (F) on agent readiness against Instinct's 7.3 (F), and leads in every scored category. Both do assistants that act in your accounts.

- Instinct: F 7.3, rank #993 of 993 · https://www.anchorterminal.com/tools/instinct.min.md
- Pally: F 37.8, rank #956 of 993 · https://www.anchorterminal.com/tools/pally.min.md
- Instinct, good for People who want to hand errands to an assistant by text or phone.
- Pally, good for A person who wants an assistant in their text messages and wants to reach it from Claude, ChatGPT or Cursor. Ahead on Reliability, 15 against 10; Schema & documentation, 33 against 0; Agent ergonomics, 31 against 0; Security & auth, 44 against 3; Payments & pricing, 30 against 0; Maintenance & community, 75 against 2; Transparency & trust, 73 against 53. Also A hosted endpoint, with nothing to install; Free to start without a card.

| Category | Instinct | Pally |
| --- | --- | --- |
| Reliability (16%) | 10 | 15 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 0 | 33 |
| Agent ergonomics (13%) | 0 | 31 |
| Security & auth (14%) | 3 | 44 |
| Payments & pricing (10%) | 0 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 2 | 75 |
| Transparency & trust (7%) | 53 | 73 |

| Fact (where they differ) | Instinct | Pally |
| --- | --- | --- |
| Vendor | Spear Street Technology, Inc. (d/b/a Instinct) | Pally Technologies, Inc. |
| Hosted endpoint | no (local only) | `https://agent.pally.com/mcp` |
| Transports |  | Streamable HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Paid | Freemium |
| Licence | Closed service under Instinct's Terms of Service (Spear Street Technology, Inc. d/b/a Instinct, last revised 26 August 2026). | Closed service under Pally's Terms of Service (Pally Technologies, Inc., a Delaware corporation, last updated 11 October 2026). |
| Tools exposed | none | 2 |
| llms.txt | no | yes |
| MCP registry | not listed | `com.pally/pally` |
| Last release | none | 2026-10-12 |
| Terms last updated | 2026-08-26 |  |
| Privacy policy last updated | 2026-08-26 |  |
| Customer content may train models | yes, with an opt-out |  |
| Terms restrict automated access | yes |  |
| Terms restrict benchmarking | yes |  |
| Terms or service can change without notice | not found in the text |  |
| Arbitration or class-action waiver | yes |  |