# Instinct vs Wajo (Fo) (slim)

> Wajo scores 43.9 (E) 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-wajo.md (~2,700 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/instinct-vs-wajo.json · canonical https://www.anchorterminal.com/compare/instinct-vs-wajo
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-12

Wajo (Fo) scores 43.9 (E) on agent readiness against Instinct's 7.3 (F), and leads in 6 of 7 scored categories. Instinct leads on transparency & trust. Both do assistants that act in your accounts.

- Instinct: F 7.3, rank #993 of 993 · https://www.anchorterminal.com/tools/instinct.min.md
- Wajo (Fo): E 43.9, rank #907 of 993 · https://www.anchorterminal.com/tools/wajo.min.md
- Instinct, good for People who want to hand errands to an assistant by text or phone. Ahead on Transparency & trust, 53 against 47.
- 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 10; Schema & documentation, 74 against 0; Agent ergonomics, 68 against 0; Security & auth, 38 against 3; Payments & pricing, 30 against 0. Also A hosted endpoint, with nothing to install.

| Category | Instinct | Wajo (Fo) |
| --- | --- | --- |
| Reliability (16%) | 10 | 30 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 0 | 74 |
| Agent ergonomics (13%) | 0 | 68 |
| Security & auth (14%) | 3 | 38 |
| Payments & pricing (10%) | 0 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 2 | 3 |
| Transparency & trust (7%) | 53 | 47 |

| Fact (where they differ) | Instinct | Wajo (Fo) |
| --- | --- | --- |
| Vendor | Spear Street Technology, Inc. (d/b/a Instinct) | Wajo, Inc. |
| Hosted endpoint | no (local only) | `https://mcp.api.wajo.ai/mcp` |
| Transports |  | Streamable HTTP |
| 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 the Wajo Terms of Service (Wajo, Inc., last updated 24 August 2026). |
| Tools exposed | none | 21 |
| llms.txt | no | yes |
| 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 |  |