# Instinct vs Zo Computer (slim)

> Zo Computer scores 43.1 (E) to Instinct's 11.4 (F) for assistant proactive. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/instinct-vs-zo-computer.md (~2,650 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/instinct-vs-zo-computer.json · canonical https://www.anchorterminal.com/compare/instinct-vs-zo-computer
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-12

Zo Computer scores 43.1 (E) on agent readiness against Instinct's 11.4 (F), and leads in every scored category. Both do assistant proactive.

- Instinct: F 11.4, rank #984 of 986 · https://www.anchorterminal.com/tools/instinct.min.md
- Zo Computer: E 43.1, rank #911 of 986 · https://www.anchorterminal.com/tools/zo-computer.min.md
- Instinct, good for A consumer assistant for one adult who wants errands done by text or phone call, such as bill disputes, gifts, groceries, appointments and travel, and who accepts that it acts and spends as their agent.
- Zo Computer, 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 Reliability, 15 against 5; Schema & documentation, 73 against 3; Agent ergonomics, 34 against 5; Security & auth, 37 against 25; Payments & pricing, 40 against 0; Maintenance & community, 68 against 3; Transparency & trust, 60 against 51. Also A hosted endpoint, with nothing to install.

| Category | Instinct | Zo Computer |
| --- | --- | --- |
| Reliability (16%) | 5 | 15 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 3 | 73 |
| Agent ergonomics (13%) | 5 | 34 |
| Security & auth (14%) | 25 | 37 |
| Payments & pricing (10%) | 0 | 40 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 3 | 68 |
| Transparency & trust (7%) | 51 | 60 |

| Fact (where they differ) | Instinct | Zo Computer |
| --- | --- | --- |
| Kind | Platform | HTTP API |
| Vendor | Spear Street Technology, Inc. | Zo Computer Company |
| Hosted endpoint | no (local only) | `https://api.zo.computer/mcp` |
| Transports |  | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Paid | Freemium |
| Licence | Proprietary service under Instinct's Terms of Service, which grant personal use only | Proprietary service under Zo Computer Company's terms of service |
| llms.txt | no | yes |
| Last release | none | 2026-09-14 |
| Terms last updated | 2026-08-26 | 2025-08-08 |
| Privacy policy last updated | 2026-08-26 | 2026-05-20 |
| Customer content may train models | yes, with an opt-out | not found in the text |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |