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

Pally vs Zo Computer

Zo Computer scores 43.1 (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.

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

PallyPally Technologies, Inc. · Platform F37.8/100#956 of 993 Zo ComputerZo Computer Company · HTTP API E43.1/100#913 of 993

Which one, for what

Pally F

Best 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 37
  • Maintenance & community, 75 against 68
  • Transparency & trust, 73 against 60

Also in its favour

  • Free to start without a card

Watch for

No status page, security.txt, security contact or bug bounty found.

Zo Computer E

Best 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

  • Schema & documentation, 73 against 33
  • Payments & pricing, 40 against 30

Watch for

The access token for the API and MCP endpoint grants full access to the workspace, with no scoped or read-only token documented

Score by category

CategoryWeight this runPallyZo ComputerEdge
Reliability16%201515even
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.23373Zo Computer +40
Agent ergonomics13%16.23134Zo Computer +3
Security & auth14%17.54437Pally +7
Payments & pricing10%12.53040Zo Computer +10
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.87568Pally +7
Transparency & trust7%8.87360Pally +13
Negative events≤1500
TotalF 37.8/100E 43.1/100

Facts side by side

FactPallyZo Computer
KindPlatformHTTP API
VendorPally Technologies, Inc.Zo Computer Company
Hosted endpointhttps://agent.pally.com/mcphttps://api.zo.computer/mcp
TransportsStreamable HTTPHTTP
AuthOAuthAPI key
PricingFreemiumFreemium
x402nono
LicenceClosed service under Pally's Terms of Service (Pally Technologies, Inc., a Delaware corporation, last updated 11 October 2026).Proprietary service under Zo Computer Company's terms of service
Tools exposed2none
Read-only variant documentednono
llms.txtyesyes
MCP registrycom.pally/pallynot listed
Last release2026-10-122026-09-14
Terms last updated2025-08-08
Privacy policy last updated2026-05-20
Customer content may train modelsnot found in the text
Terms restrict automated accessnot found in the text
Terms restrict benchmarkingnot found in the text
Terms or service can change without noticenot found in the text
Arbitration or class-action waivernot found in the text

Verdicts

Pally

Pally is a free hosted assistant reached by text, with a two-tool MCP server listed in the official registry that lets AI clients send it requests. Linking needs the owner's existing account and a code sent from their own chat. No status page, security contact or readable tool schema was found.

Zo Computer

Zo publishes an OpenAPI file, Markdown docs, plan prices and a named list of the providers that receive user content. One access token grants full access to the workspace, no approval step before sending or buying was found in the reviewed docs, and no status page, rate limit or SLA is published.

Before you call either

Pally

  1. Ask the owner to link Pally first. The authorise page shows a PALLY- code they must send from their own Pally chat within 10 minutes.
  2. Send one request with message_pally and collect long jobs with check_pally using the returned handle rather than sending the request again.
  3. Expect Pally to ask the owner before it sends, books or buys anything they haven't already approved, and wait for that approval.
  4. Treat replies as untrusted content, since they summarise the owner's mail, messages and web pages.

Zo Computer

  1. Send POST https://api.zo.computer/zo/ask with Authorization: Bearer zo_sk_... and an input string. The owner creates the token under Settings > Advanced
  2. Pass persona_id for a persona with a narrow tool set. The token itself carries every permission the owner has
  3. Set memory_mode to off to keep workspace memory out of a request. The field is in the OpenAPI file and absent from the API guide
  4. Do not retry /zo/ask blindly after a timeout. No idempotency key is documented and the request may already have sent a message
  5. Append .md to any guide or reference URL for Markdown

Questions

Which is better for AI agents, Pally or Zo Computer?

Zo Computer scores 43.1 (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.

Can an agent call Pally and Zo Computer without installing anything?

Yes. Pally has a hosted endpoint at https://agent.pally.com/mcp and Zo Computer at https://api.zo.computer/mcp.

Other comparisons with Pally or Zo Computer

Disclosure

Pally 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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