# Pally vs Wajo (Fo) (slim)

> Wajo scores 43.9 (E) to Pally's 37.8 (F) for assistants that act in your accounts. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/pally-vs-wajo.md (~2,800 tokens) · this version ~580 tokens · JSON https://www.anchorterminal.com/compare/pally-vs-wajo.json · canonical https://www.anchorterminal.com/compare/pally-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 Pally's 37.8 (F), and leads in 3 of 7 scored categories. Pally leads on security & auth, maintenance & community and transparency & trust. Both do assistants that act in your accounts.

- Pally: F 37.8, rank #956 of 993 · https://www.anchorterminal.com/tools/pally.min.md
- Wajo (Fo): E 43.9, rank #907 of 993 · https://www.anchorterminal.com/tools/wajo.min.md
- 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 Security & auth, 44 against 38; Maintenance & community, 75 against 3; Transparency & trust, 73 against 47. Also Free to start without a card.
- 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 15; Schema & documentation, 74 against 33; Agent ergonomics, 68 against 31.

| Category | Pally | Wajo (Fo) |
| --- | --- | --- |
| Reliability (16%) | 15 | 30 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 33 | 74 |
| Agent ergonomics (13%) | 31 | 68 |
| Security & auth (14%) | 44 | 38 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 75 | 3 |
| Transparency & trust (7%) | 73 | 47 |

| Fact (where they differ) | Pally | Wajo (Fo) |
| --- | --- | --- |
| Vendor | Pally Technologies, Inc. | Wajo, Inc. |
| Hosted endpoint | `https://agent.pally.com/mcp` | `https://mcp.api.wajo.ai/mcp` |
| Auth | OAuth | OAuth or key |
| Licence | Closed service under Pally's Terms of Service (Pally Technologies, Inc., a Delaware corporation, last updated 11 October 2026). | Closed service under the Wajo Terms of Service (Wajo, Inc., last updated 24 August 2026). |
| Tools exposed | 2 | 21 |
| MCP registry | `com.pally/pally` | not listed |
| Last release | 2026-10-12 | none |