# Middesk vs Plaid Identity Verification (slim)

> Plaid Identity Verification scores 67.1 (B) to Middesk's 59 (C) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.md (~2,800 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.json · canonical https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

Plaid Identity Verification scores 67.1 (B) on agent readiness against Middesk's 59 (C), and leads in 6 of 7 scored categories. Middesk leads on reliability. Both do identity verification.

- Middesk: C 59, rank #596 of 1076 · https://www.anchorterminal.com/tools/middesk.min.md
- Plaid Identity Verification: B 67.1, rank #278 of 1076 · https://www.anchorterminal.com/tools/plaid-identity-verification.min.md
- Middesk, good for An agent onboarding or re-checking US businesses for a bank, lender or marketplace that already holds a Middesk contract, with registry, TIN, sanctions and lien data in one object. Ahead on Reliability, 73 against 68. Also A hosted endpoint, with nothing to install.
- Plaid Identity Verification, good for US, Canadian and UK companies that want KYC with data source checks, documents and selfies, especially those already on Plaid or wanting Monitor screening in the same flow. Ahead on Schema & documentation, 91 against 82; Agent ergonomics, 75 against 56; Security & auth, 61 against 56; Payments & pricing, 15 against 10; Maintenance & community, 83 against 64; Transparency & trust, 77 against 61.

| Category | Middesk | Plaid Identity Verification |
| --- | --- | --- |
| Reliability (16%) | 73 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 82 | 91 |
| Agent ergonomics (13%) | 56 | 75 |
| Security & auth (14%) | 56 | 61 |
| Payments & pricing (10%) | 10 | 15 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 64 | 83 |
| Transparency & trust (7%) | 61 | 77 |

| Fact (where they differ) | Middesk | Plaid Identity Verification |
| --- | --- | --- |
| Vendor | Middesk, Inc. | Plaid Inc. |
| Hosted endpoint | `https://api.middesk.com/v1` | no (local only) |
| Auth | OAuth or key | API key |
| Licence | Proprietary service under Middesk's Business Verification Terms and Conditions. The Claude Code and Codex plugins on GitHub are MIT | Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT |
| Tools exposed | 11 | none |
| Last release | 2026-10-05 | 2026-10-13 |
| Terms last updated | no date given | 2025-12-01 |
| Privacy policy last updated | no date given | 2025-12-01 |
| Customer content may train models | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 2 stars | 1.2M npm/wk, 656k PyPI/wk |