Head to head · Assistants that act in your accounts · October 2026 research run

Instinct vs Tomo

Tomo scores 13.1 (F) on agent readiness against Instinct's 7.3 (F), and leads in 3 of 7 scored categories. Instinct leads on transparency & trust. Both do assistants that act in your accounts.

Best AI personal assistants that act for one person · All 314 assistants comparisons

Which one, for what

Instinct F

Best for People who want to hand errands to an assistant by text or phone.

Ahead on

  • Transparency & trust, 53 against 47

Watch for

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

Tomo F

Best for People who want accountability, check-ins and reminders by text, including in group chats.

Ahead on

  • Reliability, 15 against 10
  • Payments & pricing, 10 against 0
  • Maintenance & community, 54 against 2

Watch for

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

Score by category

CategoryWeight this runInstinctTomoEdge
Reliability16%201015Tomo +5
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.200even
Agent ergonomics13%16.200even
Security & auth14%17.530Instinct +3
Payments & pricing10%12.5010Tomo +10
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.8254Tomo +52
Transparency & trust7%8.85347Instinct +6
Negative events≤1500
TotalF 7.3/100F 13.1/100

Facts side by side

FactInstinctTomo
KindPlatformPlatform
VendorSpear Street Technology, Inc. (d/b/a Instinct)Mapo Labs, Inc.
Hosted endpointno (local only)no (local only)
Transports
AuthOAuth or keyOAuth or key
PricingPaidPaid
x402nono
LicenceClosed service under Instinct's Terms of Service (Spear Street Technology, Inc. d/b/a Instinct, last revised 26 August 2026).Closed service under Tomo's Terms of Service (Mapo Labs, Inc., last updated 24 September 2026).
Read-only variant documentednono
llms.txtnono
Last releasenone2026-09-29
Terms last updated2026-08-26
Privacy policy last updated2026-08-26
Customer content may train modelsyes, with an opt-out
Terms restrict automated accessyes
Terms restrict benchmarkingyes
Terms or service can change without noticenot found in the text
Arbitration or class-action waiveryes

Verdicts

Instinct

Instinct is a hosted assistant reached by text or call that acts in the owner's Google Workspace and WhatsApp and can make purchases. No outside agent can call it, no price is published, new sign-ups may meet a capacity waitlist, and materials train models unless the owner opts out.

Tomo

Tomo is a hosted personal AI over iMessage and an iOS app, centred on goals, check-ins and reminders, with regular iOS releases since April 2026. No outside agent can call it, there's no free plan, and no status page, security contact or subprocessor list was found.

Before you call either

Instinct

  1. Don't look for an endpoint. app.instinct.com/mcp serves the web app shell and refuses POST with 405.
  2. Confirm any purchase with the owner. The terms say Actions may not be reversible.

Tomo

  1. Don't plan to call Tomo from another agent. It answers only the owner's iMessage, group chats it's added to and the iOS app.
  2. Tell the owner that adding Tomo to a group chat applies its terms to every participant.

Questions

Which is better for AI agents, Instinct or Tomo?

Tomo scores 13.1 (F) on agent readiness against Instinct's 7.3 (F), and leads in 3 of 7 scored categories. Instinct leads on transparency & trust.

Other comparisons with Instinct or Tomo

Disclosure

Instinct 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.

Tomo 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.

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