{ "data": { "a": { "slug": "persona", "name": "Persona", "vendor": "Persona Identities, Inc.", "vendorUrl": "https://withpersona.com", "kind": "http-api", "category": "identity-verification", "summary": "Persona is an identity verification platform from Persona Identities, Inc. Its REST API and hosted MCP server create inquiries, run government ID, selfie, document and database verifications, screen people and businesses against watchlists, and manage review cases.", "url": "https://www.anchorterminal.com/tools/persona", "markdownUrl": "https://www.anchorterminal.com/tools/persona.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/persona.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/persona.json", "license": "Proprietary service under Persona's terms of service. The `persona` JavaScript client on npm is MIT", "transports": [ "http" ], "remoteUrl": "https://mcp.withpersona.com", "packages": [ { "registry": "npm", "name": "persona" } ], "auth": "api-key", "authNotes": "Self-serve API key, sent as `Authorization: Bearer \u003ckey\u003e` to https://api.withpersona.com/api/v1. A browser sign-up with a business email gives a sandbox key (`persona_sandbox_...`) at once. A production key (`persona_production_...`) needs a plan and Persona's approval of the organisation. Each key can be limited to about 50 read and write permissions per resource, given its own rate limit and an IP allowlist, and expired through the dashboard or the API. A new key has every standard permission until someone limits it. The MCP server at https://mcp.withpersona.com takes the same key. Its help article says OAuth is coming and isn't available yet (checked 2026-10-08).", "pricing": "paid", "pricingNotes": "The Essential plan starts at $250 a month on a 12-month contract with 500 verifications or reports a month included, then $1.50 for each further one, per the help centre. Growth and Enterprise are priced through sales. A 60-day trial with no card gives sandbox access and up to 50 services, so an agent can build and test without a contract, but the sandbox performs no real verifications. A Startup Programme gives eligible small companies 500 free verifications a month for a year. The pricing page itself refused our reader (checked 2026-10-08).", "priceSummary": "$250 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the OpenAPI file, the MCP tool list or the help centre's plan articles (checked 2026-10-08).", "endpoints": [] }, "toolCount": 190, "popularity": { "githubStars": null, "npmWeekly": 570188, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.withpersona.com/getting-started", "llmsTxt": "https://docs.withpersona.com/llms.txt", "openapi": "https://docs.withpersona.com/openapi/api-reference.json", "capabilities": [ "kyc.identity", "kyc.business", "kyc.documents", "kyc.screening", "kyc.cases" ], "tags": [ "hosted", "paid", "sandbox", "api-key", "mcp", "openapi", "llms-txt", "webhooks", "json-api", "status-page", "soc2", "iso27001" ], "lastRelease": "2026-09-29", "graded": true, "anchor": { "graded": true, "score": 69.5, "grade": "B", "agentReady": false, "rank": 192, "ranked": true, "rankOf": 1076, "categoryRank": 3, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 75, "payments": 35, "reliability": 70, "schema": 85, "security": 73, "transparency": 68 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "The REST API has a public OpenAPI 3.1 file, llms.txt, API keys with per-resource permissions, idempotency keys on every POST and a 60-day sandbox trial with no card. Production needs a business review and a 12-month plan from $250 a month. The status page lists 11 incidents since 10 July 2026, including 70 minutes of timeouts across all products.", "bestFor": "A company that already runs Persona and wants an agent to create inquiries from templates, read verification and report results, screen against watchlists and work review cases with a permission-limited key.", "strengths": [ "Public OpenAPI 3.1 file with 231 operations and 141 webhook definitions, plus llms.txt and a Markdown copy of every docs page", "API keys take about 50 read and write permissions per resource, an IP allowlist, their own rate limit and an expiry endpoint", "`Idempotency-Key` on every POST, cursor pagination, and `fields` and `include` parameters that trim responses", "API logs kept for two weeks and user audit logs for six months, both readable through the API", "Dated API versions selected per key or per request with `Persona-Version`, and a changelog with an RSS feed" ], "weaknesses": [ "Production access needs Persona's approval and a 12-month plan from $250 a month, and API-only integration is limited to Enterprise plans", "Eleven incidents on the status page since 10 July 2026, five marked partial outage, most on document and government ID verifications", "The MCP server lists all 190 tools whatever the key allows, with no annotations, toolsets or read-only subset, and OAuth isn't available yet", "No official server-side SDK was found. The npm, iOS, Android and React Native packages are clients for the end-user flow", "The marketing site, terms, privacy policy and pricing page answered our reader with a bot check, and no SLA was found in the docs or help centre" ], "agentNotes": [ "Ask for a dedicated key limited to the permissions the task needs. A new key has every standard permission until it's limited", "Send `Persona-Version` on every call and an `Idempotency-Key` on every POST. A replayed key returns the first result, including a 500", "Treat redact calls as irreversible. They permanently delete personal data and cascade to downstream objects", "Stay under 300 requests a minute in production, read `RateLimit-Remaining` and `Quota-Remaining`, and back off on 429 because rejected requests still count", "Use `fields` and `include` to cut response size. Through MCP these parameters aren't exposed, and only 14 tools take `filter`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 69.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 75, "payments": 35, "reliability": 70, "schema": 85, "security": 73, "transparency": 46 }, "provenanceScore": 90 }, "connect": { "http": "curl --request POST \\\n --url https://api.withpersona.com/api/v1/inquiries \\\n --header 'Persona-Version: 2023-01-05' \\\n --header 'accept: application/json' \\\n --header 'authorization: Bearer persona_sandbox_YOURAPIKEY' \\\n --header 'content-type: application/json' \\\n --data '{\"data\":{\"attributes\":{\"inquiry-template-id\":\"itmpl_YOURTEMPLATEID\",\"fields\":{\"name-first\":\"Jane\",\"name-last\":\"Doe\",\"birthdate\":\"1994-04-12\"}}}}'" }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/persona" }, "area": "domain-data", "unitPrices": [ { "item": "Essential plan", "unit": "month", "usd": 250, "note": "12-month contract, 500 verifications or reports a month included, unused ones don't roll over" }, { "item": "Additional verification or report on the Essential plan", "unit": "tx", "usd": 1.5, "note": "Each service beyond the 500 included a month" } ], "provenance": { "legalEntity": "Persona Identities, Inc.", "domain": "withpersona.com", "domainRegistered": "2018-09-24", "endpointOnVendorDomain": true, "terms": "https://withpersona.com/legal/terms-of-service", "privacy": "https://withpersona.com/legal/privacy-policy", "statusPage": "https://status.withpersona.com", "changelog": "https://docs.withpersona.com/api-reference/versioning/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The help centre footer reads \"2026 Persona Identities, Inc.\", and the `persona` npm package names Persona Identities, Inc. as author.", "The API answers at api.withpersona.com and the MCP server at mcp.withpersona.com, both withpersona.com subdomains.", "withpersona.com/.well-known/security.txt gives security@withpersona.com, an expiry of 17 February 2027 and a note that disclosure runs through Bugcrowd.", "The terms and privacy URLs are the ones the status page links to. Both pages, and the rest of withpersona.com, answered our reader with a bot check (HTTP 403), so their text wasn't read.", "RDAP for withpersona.com gives a registration date of 2018-09-24 and MarkMonitor Inc. as registrar." ], "score": 90 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/persona.json", "live": { "slug": "persona", "probe": { "target": "https://mcp.withpersona.com", "method": "get", "lastAt": "2026-10-14T09:59:59.298831798Z", "lastOk": true, "lastStatus": 405, "lastMs": 142, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 152, "p95ms24h": 281, "samples24h": 248, "samples30d": 1435, "days": [ { "date": "2026-10-08", "probes": 93, "ok": 93 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 247, "ok": 247 }, { "date": "2026-10-11", "probes": 247, "ok": 247 }, { "date": "2026-10-12", "probes": 247, "ok": 247 }, { "date": "2026-10-13", "probes": 248, "ok": 248 }, { "date": "2026-10-14", "probes": 103, "ok": 103 } ] }, "vendorStatus": { "page": "https://status.withpersona.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-14T08:53:47.270012742Z" }, "versions": [ { "registry": "npm", "name": "persona", "version": "5.9.0", "seenAt": "2026-10-13T23:16:52.011910828Z" } ], "npmWeekly": 474420, "securityTxt": { "url": "https://withpersona.com/.well-known/security.txt", "state": "valid", "expires": "2027-02-17T08:00:00.000Z", "checkedAt": "2026-10-13T15:45:31.940916351Z" }, "llmsTxt": { "url": "https://docs.withpersona.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-13T14:12:19.15761621Z" }, "domain": { "domain": "withpersona.com", "registered": "2018-09-24", "source": "https://rdap.verisign.com/com/v1/domain/withpersona.com", "checkedAt": "2026-10-11T13:24:11.94008491Z" }, "pages": [ { "url": "https://docs.withpersona.com/api-reference/versioning/changelog", "kind": "changelog", "status": 304, "checkedAt": "2026-10-13T20:16:14.966334952Z", "changedAt": "2026-10-10T19:03:02.833780746Z", "fingerprint": "c19b16bf1389" }, { "url": "https://withpersona.com/legal/privacy-policy", "kind": "privacy", "status": 403, "checkedAt": "2026-10-13T20:25:18.253853297Z", "changedAt": "0001-01-01T00:00:00Z" }, { "url": "https://withpersona.com/legal/terms-of-service", "kind": "terms", "status": 403, "checkedAt": "2026-10-13T20:25:20.272067854Z", "changedAt": "0001-01-01T00:00:00Z" } ], "updatedAt": "2026-10-14T09:59:59.298831798Z" } }, "answer": "Persona scores 69.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, maintenance \u0026 community and transparency \u0026 trust.", "b": { "slug": "plaid-identity-verification", "name": "Plaid Identity Verification", "vendor": "Plaid Inc.", "vendorUrl": "https://plaid.com/products/identity-verification/", "kind": "http-api", "category": "identity-verification", "summary": "Plaid Identity Verification checks a person against data sources, identity documents, selfies with liveness and SMS, with risk scoring and optional Monitor watchlist screening. Sessions run in Plaid Link or through a backend-only API flow.", "url": "https://www.anchorterminal.com/tools/plaid-identity-verification", "markdownUrl": "https://www.anchorterminal.com/tools/plaid-identity-verification.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plaid-identity-verification.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json", "repo": "https://github.com/plaid/plaid-openapi", "license": "Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT", "transports": [ "http" ], "packages": [ { "registry": "npm", "name": "plaid" }, { "registry": "pypi", "name": "plaid-python" } ], "auth": "api-key", "authNotes": "`client_id` and `secret` in the JSON body of each POST to https://sandbox.plaid.com or https://production.plaid.com, with a separate secret per environment. No scopes. Sandbox for Identity Verification is enabled self-serve from the Dashboard Products page (since 12 August 2026). Production needs a product access request, and the integrating company must be based in the US, Canada or the UK (checked 2026-10-14).", "pricing": "paid", "pricingNotes": "No public prices. Each session is billed an Anti-Fraud Engine fee plus fees for data source verification (by country), document checks and selfie checks, and retries are billed as new sessions. Exact rates appear after applying for Production. Sandbox is free (https://plaid.com/docs/account/billing/, checked 2026-10-14).", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the Identity Verification docs, the API reference or the pricing page (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 1238045, "pypiWeekly": 656200, "asOf": "2026-10-14" }, "docsUrl": "https://plaid.com/docs/identity-verification/", "llmsTxt": "https://plaid.com/llms.txt", "openapi": "https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.yml", "capabilities": [ "kyc.identity", "kyc.documents", "kyc.screening" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "webhooks", "sandbox", "status-page", "python", "typescript", "go", "java", "ruby", "bug-bounty" ], "lastRelease": "2026-10-13", "graded": true, "anchor": { "graded": true, "score": 67.1, "grade": "B", "agentReady": false, "rank": 278, "ranked": true, "rankOf": 1076, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 91, "security": 61, "transparency": 77 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.", "bestFor": "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.", "strengths": [ "Four typed endpoints in the public OpenAPI file, with llms.txt and Markdown docs", "Backend-only flow runs data source checks from user data with no Link session", "`is_idempotent` on create returns the existing session instead of making a second", "Six dated Identity Verification changelog entries between 9 July and 13 October 2026", "Self-serve Sandbox since 12 August 2026, with sample identities for test outcomes" ], "weaknesses": [ "No public prices. Rates appear only after a Production application", "One team secret reaches every Plaid product, with no scopes or read-only key", "Integrating companies must be based in the US, Canada or the UK", "Data stays only while the contract is active, and access to past sessions ends with it", "Rate-limit and error pages sit under a path robots.txt disallows, so we didn't read them" ], "agentNotes": [ "Pass `is_idempotent: true` to /identity_verification/create so a retry returns the existing session", "Use the backend-only flow (data source template, `gave_consent: true`) when you already hold the user's details. Documents and selfies need the person in Link", "Wait for the STATUS_UPDATED webhook or poll /identity_verification/get. Link's onSuccess doesn't mean the user passed", "Don't issue retries casually. Each retry is a new session billed again", "Enable Sandbox for Identity Verification on the Dashboard Products page before the first call" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 67.1 } ], "editorialScores": { "ergonomics": 75, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 91, "security": 61, "transparency": 57 }, "provenanceScore": 97 }, "connect": { "http": "curl -X POST https://sandbox.plaid.com/identity_verification/create \\\n-H 'Content-Type: application/json' \\\n-d '{\n \"client_user_id\": \"user-sandbox-b0e2c4ee-a763-4df5-bfe9-46a46bce993d\",\n \"client_id\": \"${PLAID_CLIENT_ID}\",\n \"secret\": \"${PLAID_SECRET}\",\n \"is_shareable\": true,\n \"template_id\": \"idvtmp_52xR9LKo77r1Np\",\n \"gave_consent\": true\n}'" }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/plaid-identity-verification" }, "sameCompany": [ "plaid" ], "area": "domain-data", "provenance": { "legalEntity": "Plaid Inc.", "domain": "plaid.com", "domainRegistered": "1995-08-16", "endpointOnVendorDomain": true, "terms": "https://plaid.com/legal/#developer-policy", "privacy": "https://plaid.com/legal/#privacy-statement", "statusPage": "https://status.plaid.com", "changelog": "https://plaid.com/docs/changelog/", "securityTxt": "valid", "checked": "2026-10-14", "notes": [ "Same entity, legal pages and status page as the plaid listing. Plaid Financial Ltd and Plaid, B.V. cover the UK and the EEA.", "plaid.com/.well-known/security.txt lists HackerOne and security@plaid.com and expires 2026-12-31.", "plaid.com was registered in 1995, before Plaid was founded." ], "score": 97 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plaid-identity-verification.json", "live": { "slug": "plaid-identity-verification", "vendorStatus": { "page": "https://status.plaid.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:53:20.159743826Z" }, "updatedAt": "2026-10-14T09:53:20.159743826Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Persona Identities, Inc.", "b": "Plaid Inc.", "name": "Vendor" }, { "a": "https://mcp.withpersona.com", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Persona's terms of service. The `persona` JavaScript client on npm is MIT", "b": "Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT", "name": "Licence" }, { "a": "190", "b": "none", "name": "Tools exposed" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-29", "b": "2026-10-13", "name": "Last release" }, { "a": "couldn't be read", "b": "2025-12-01", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "2025-12-01", "name": "Privacy policy last updated" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "couldn't be read", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "570k npm/wk", "b": "1.2M npm/wk, 656k PyPI/wk", "name": "Popularity" } ], "faq": [ { "answer": "Persona scores 69.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, maintenance \u0026 community and transparency \u0026 trust.", "question": "Which is better for AI agents, Persona or Plaid Identity Verification?" }, { "answer": "Both need an API key.", "question": "Do Persona and Plaid Identity Verification need an API key?" }, { "answer": "Persona has a hosted endpoint at https://mcp.withpersona.com. No hosted endpoint is listed for Plaid Identity Verification.", "question": "Can an agent call Persona and Plaid Identity Verification without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Security \u0026 auth, 73 against 61", "Payments \u0026 pricing, 35 against 15" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "A company that already runs Persona and wants an agent to create inquiries from templates, read verification and report results, screen against watchlists and work review cases with a permission-limited key.", "slug": "persona", "watchFor": "Production access needs Persona's approval and a 12-month plan from $250 a month, and API-only integration is limited to Enterprise plans" }, { "aheadOn": [ "Schema \u0026 documentation, 91 against 85", "Maintenance \u0026 community, 83 against 75", "Transparency \u0026 trust, 77 against 68" ], "also": null, "goodFor": "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.", "slug": "plaid-identity-verification", "watchFor": "No public prices. Rates appear only after a Production application" } ], "job": { "capability": "kyc.identity", "name": "Identity verification" }, "others": [ { "json": "https://www.anchorterminal.com/compare/alloy-vs-persona.json", "title": "Alloy vs Persona", "url": "https://www.anchorterminal.com/compare/alloy-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.json", "title": "Alloy vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-persona.json", "title": "ComplyCube vs Persona", "url": "https://www.anchorterminal.com/compare/complycube-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification.json", "title": "ComplyCube vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-persona.json", "title": "Didit vs Persona", "url": "https://www.anchorterminal.com/compare/didit-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.json", "title": "Didit vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-persona.json", "title": "Entrust Identity Verification (formerly Onfido) vs Persona", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification.json", "title": "Entrust Identity Verification (formerly Onfido) vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-persona.json", "title": "Jumio vs Persona", "url": "https://www.anchorterminal.com/compare/jumio-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification.json", "title": "Jumio vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.json", "title": "Middesk vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-shufti.json", "title": "Persona vs Shufti", "url": "https://www.anchorterminal.com/compare/persona-vs-shufti" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-socure-riskos.json", "title": "Persona vs Socure RiskOS", "url": "https://www.anchorterminal.com/compare/persona-vs-socure-riskos" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity.json", "title": "Persona vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-sumsub.json", "title": "Persona vs Sumsub", "url": "https://www.anchorterminal.com/compare/persona-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-trulioo.json", "title": "Persona vs Trulioo", "url": "https://www.anchorterminal.com/compare/persona-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-veriff.json", "title": "Persona vs Veriff", "url": "https://www.anchorterminal.com/compare/persona-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-vouched.json", "title": "Persona vs Vouched", "url": "https://www.anchorterminal.com/compare/persona-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti.json", "title": "Plaid Identity Verification vs Shufti", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos.json", "title": "Plaid Identity Verification vs Socure RiskOS", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.json", "title": "Plaid Identity Verification vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.json", "title": "Plaid Identity Verification vs Sumsub", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-trulioo.json", "title": "Plaid Identity Verification vs Trulioo", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff.json", "title": "Plaid Identity Verification vs Veriff", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.json", "title": "Plaid Identity Verification vs Vouched", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/complyadvantage-vs-persona.json", "title": "ComplyAdvantage vs Persona", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification.json", "title": "ComplyAdvantage vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-persona.json", "title": "Middesk vs Persona", "url": "https://www.anchorterminal.com/compare/middesk-vs-persona" } ], "scores": [ { "by": 2, "edge": "persona", "key": "reliability", "name": "Reliability", "persona": 70, "plaid-identity-verification": 68, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 6, "edge": "plaid-identity-verification", "key": "schema", "name": "Schema \u0026 documentation", "persona": 85, "plaid-identity-verification": 91, "weight": 13 }, { "by": 1, "edge": "plaid-identity-verification", "key": "ergonomics", "name": "Agent ergonomics", "persona": 74, "plaid-identity-verification": 75, "weight": 13 }, { "by": 12, "edge": "persona", "key": "security", "name": "Security \u0026 auth", "persona": 73, "plaid-identity-verification": 61, "weight": 14 }, { "by": 20, "edge": "persona", "key": "payments", "name": "Payments \u0026 pricing", "persona": 35, "plaid-identity-verification": 15, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 8, "edge": "plaid-identity-verification", "key": "maintenance", "name": "Maintenance \u0026 community", "persona": 75, "plaid-identity-verification": 83, "weight": 7 }, { "by": 9, "edge": "plaid-identity-verification", "key": "transparency", "name": "Transparency \u0026 trust", "persona": 68, "plaid-identity-verification": 77, "weight": 7 } ], "summary": "Persona scores 69.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, maintenance \u0026 community and transparency \u0026 trust. Both do identity verification.", "verdicts": { "persona": "The REST API has a public OpenAPI 3.1 file, llms.txt, API keys with per-resource permissions, idempotency keys on every POST and a 60-day sandbox trial with no card. Production needs a business review and a 12-month plan from $250 a month. The status page lists 11 incidents since 10 July 2026, including 70 minutes of timeouts across all products.", "plaid-identity-verification": "Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification", "json": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.md", "slim": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.min.md" }, "markdown": "Persona scores 69.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, maintenance \u0026 community and transparency \u0026 trust. Both do identity verification.\n\n- Persona: grade B, 69.5/100, rank #192 of 1076. Markdown https://www.anchorterminal.com/tools/persona.md · JSON https://www.anchorterminal.com/api/v1/tools/persona.json\n- Plaid Identity Verification: grade B, 67.1/100, rank #278 of 1076. Markdown https://www.anchorterminal.com/tools/plaid-identity-verification.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json\n- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md\n- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md\n\n## Which one, for what\n\n### Persona (B)\n\nGood for: A company that already runs Persona and wants an agent to create inquiries from templates, read verification and report results, screen against watchlists and work review cases with a permission-limited key.\n\nAhead on:\n- Security \u0026 auth, 73 against 61\n- Payments \u0026 pricing, 35 against 15\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: Production access needs Persona's approval and a 12-month plan from $250 a month, and API-only integration is limited to Enterprise plans\n\n### Plaid Identity Verification (B)\n\nGood 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.\n\nAhead on:\n- Schema \u0026 documentation, 91 against 85\n- Maintenance \u0026 community, 83 against 75\n- Transparency \u0026 trust, 77 against 68\n\nWatch for: No public prices. Rates appear only after a Production application\n\n\n## Score by category\n\n| Category | Weight | Persona | Plaid Identity Verification | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 68 | Persona +2 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 91 | Plaid Identity Verification +6 |\n| Agent ergonomics | 13% (16.2 this run) | 74 | 75 | Plaid Identity Verification +1 |\n| Security \u0026 auth | 14% (17.5 this run) | 73 | 61 | Persona +12 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 15 | Persona +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 75 | 83 | Plaid Identity Verification +8 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 68 | 77 | Plaid Identity Verification +9 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.5 · B** | **67.1 · B** | |\n\n## Facts side by side\n\n| Fact | Persona | Plaid Identity Verification |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Persona Identities, Inc. | Plaid Inc. |\n| Hosted endpoint | `https://mcp.withpersona.com` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | API key | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Persona's terms of service. The `persona` JavaScript client on npm is MIT | Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT |\n| Tools exposed | 190 | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-29 | 2026-10-13 |\n| Terms last updated | couldn't be read | 2025-12-01 |\n| Privacy policy last updated | couldn't be read | 2025-12-01 |\n| Customer content may train models | couldn't be read | not found in the text |\n| Terms restrict automated access | couldn't be read | not found in the text |\n| Terms restrict benchmarking | couldn't be read | yes |\n| Terms or service can change without notice | couldn't be read | not found in the text |\n| Arbitration or class-action waiver | couldn't be read | not found in the text |\n| Popularity | 570k npm/wk | 1.2M npm/wk, 656k PyPI/wk |\n\n## Verdicts\n\n**Persona.** The REST API has a public OpenAPI 3.1 file, llms.txt, API keys with per-resource permissions, idempotency keys on every POST and a 60-day sandbox trial with no card. Production needs a business review and a 12-month plan from $250 a month. The status page lists 11 incidents since 10 July 2026, including 70 minutes of timeouts across all products.\n\n**Plaid Identity Verification.** Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.\n\n## Before you call either\n\n### Persona\n\n1. Ask for a dedicated key limited to the permissions the task needs. A new key has every standard permission until it's limited\n2. Send `Persona-Version` on every call and an `Idempotency-Key` on every POST. A replayed key returns the first result, including a 500\n3. Treat redact calls as irreversible. They permanently delete personal data and cascade to downstream objects\n4. Stay under 300 requests a minute in production, read `RateLimit-Remaining` and `Quota-Remaining`, and back off on 429 because rejected requests still count\n5. Use `fields` and `include` to cut response size. Through MCP these parameters aren't exposed, and only 14 tools take `filter`\n\n### Plaid Identity Verification\n\n1. Pass `is_idempotent: true` to /identity_verification/create so a retry returns the existing session\n2. Use the backend-only flow (data source template, `gave_consent: true`) when you already hold the user's details. Documents and selfies need the person in Link\n3. Wait for the STATUS_UPDATED webhook or poll /identity_verification/get. Link's onSuccess doesn't mean the user passed\n4. Don't issue retries casually. Each retry is a new session billed again\n5. Enable Sandbox for Identity Verification on the Dashboard Products page before the first call\n\n## Questions\n\n### Which is better for AI agents, Persona or Plaid Identity Verification?\n\nPersona scores 69.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, maintenance \u0026 community and transparency \u0026 trust.\n\n### Do Persona and Plaid Identity Verification need an API key?\n\nBoth need an API key.\n\n### Can an agent call Persona and Plaid Identity Verification without installing anything?\n\nPersona has a hosted endpoint at https://mcp.withpersona.com. No hosted endpoint is listed for Plaid Identity Verification.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.json, and with the fewest tokens: https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"persona\", \"b\": \"plaid-identity-verification\"}`. From a terminal: `anchor compare persona plaid-identity-verification`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/persona.json and https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json\n\n## Other comparisons with Persona or Plaid Identity Verification\n\n- [Alloy vs Persona](https://www.anchorterminal.com/compare/alloy-vs-persona.md)\n- [Alloy vs Plaid Identity Verification](https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.md)\n- [ComplyCube vs Persona](https://www.anchorterminal.com/compare/complycube-vs-persona.md)\n- [ComplyCube vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification.md)\n- [Didit vs Persona](https://www.anchorterminal.com/compare/didit-vs-persona.md)\n- [Didit vs Plaid Identity Verification](https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.md)\n- [Entrust Identity Verification (formerly Onfido) vs Persona](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-persona.md)\n- [Entrust Identity Verification (formerly Onfido) vs Plaid Identity Verification](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification.md)\n- [Jumio vs Persona](https://www.anchorterminal.com/compare/jumio-vs-persona.md)\n- [Jumio vs Plaid Identity Verification](https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification.md)\n- [Middesk vs Plaid Identity Verification](https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.md)\n- [Persona vs Shufti](https://www.anchorterminal.com/compare/persona-vs-shufti.md)\n- [Persona vs Socure RiskOS](https://www.anchorterminal.com/compare/persona-vs-socure-riskos.md)\n- [Persona vs Stripe Identity](https://www.anchorterminal.com/compare/persona-vs-stripe-identity.md)\n- [Persona vs Sumsub](https://www.anchorterminal.com/compare/persona-vs-sumsub.md)\n- [Persona vs Trulioo](https://www.anchorterminal.com/compare/persona-vs-trulioo.md)\n- [Persona vs Veriff](https://www.anchorterminal.com/compare/persona-vs-veriff.md)\n- [Persona vs Vouched](https://www.anchorterminal.com/compare/persona-vs-vouched.md)\n- [Plaid Identity Verification vs Shufti](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti.md)\n- [Plaid Identity Verification vs Socure RiskOS](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos.md)\n- [Plaid Identity Verification vs Stripe Identity](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.md)\n- [Plaid Identity Verification vs Sumsub](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.md)\n- [Plaid Identity Verification vs Trulioo](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-trulioo.md)\n- [Plaid Identity Verification vs Veriff](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff.md)\n- [Plaid Identity Verification vs Vouched](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.md)\n- [ComplyAdvantage vs Persona](https://www.anchorterminal.com/compare/complyadvantage-vs-persona.md)\n- [ComplyAdvantage vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification.md)\n- [Middesk vs Persona](https://www.anchorterminal.com/compare/middesk-vs-persona.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Persona vs Plaid Identity Verification", "url": "" } ], "description": "Persona scores 69.5 (B) to Plaid Identity Verification's 67.1 (B) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Persona B 69.5", "Plaid Identity Verification B 67.1", "scores" ], "h1": "Persona vs Plaid Identity Verification", "image": "https://www.anchorterminal.com/assets/og/compare-persona-vs-plaid-identity-verification.png", "path": "/compare/persona-vs-plaid-identity-verification", "published": "2026-10-01", "section": "tools", "title": "Persona vs Plaid Identity Verification for AI agents (2026)", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification" }, "tokens": { "markdown": 2800, "slim": 780 }, "version": 1 }