{ "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": 148, "ranked": true, "rankOf": 629, "categoryRank": 1, "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": "2026-10-08T19:08:55.51000212Z", "lastOk": true, "lastStatus": 405, "lastMs": 454, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 149, "p95ms24h": 430, "samples24h": 42, "samples30d": 42, "days": [ { "date": "2026-10-08", "probes": 42, "ok": 42 } ] }, "vendorStatus": { "page": "https://status.withpersona.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-08T17:51:06.208771544Z" }, "versions": [ { "registry": "npm", "name": "persona", "version": "5.9.0", "seenAt": "2026-10-08T16:25:07.765894859Z" } ], "npmWeekly": 570188, "securityTxt": { "url": "https://withpersona.com/.well-known/security.txt", "state": "valid", "expires": "2027-02-17T08:00:00.000Z", "checkedAt": "2026-10-08T15:39:00.840131962Z" }, "pages": [ { "url": "https://docs.withpersona.com/api-reference/versioning/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:46.701685957Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "6f0e8de3c16e" }, { "url": "https://withpersona.com/legal/privacy-policy", "kind": "privacy", "status": 403, "checkedAt": "2026-10-08T18:25:46.538922013Z", "changedAt": "0001-01-01T00:00:00Z" }, { "url": "https://withpersona.com/legal/terms-of-service", "kind": "terms", "status": 403, "checkedAt": "2026-10-08T18:25:48.548892401Z", "changedAt": "0001-01-01T00:00:00Z" } ], "updatedAt": "2026-10-08T19:08:55.51000212Z" } }, "answer": "Persona scores 69.5 (B) on agent readiness against Sumsub's 68.5 (B), and leads in 4 of 7 scored categories. Sumsub leads on reliability, security \u0026 auth and transparency \u0026 trust.", "b": { "slug": "sumsub", "name": "Sumsub", "vendor": "Sum and Substance Ltd", "vendorUrl": "https://sumsub.com", "kind": "http-api", "category": "identity-verification", "summary": "Sumsub verifies people from identity documents and a liveness check, verifies businesses against registries, and screens both against sanctions and watchlists. Agents reach it through a signed REST API and a hosted MCP server.", "url": "https://www.anchorterminal.com/tools/sumsub", "markdownUrl": "https://www.anchorterminal.com/tools/sumsub.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/sumsub.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/sumsub.json", "repo": "https://github.com/sumsub/agent-skills", "license": "Proprietary service under Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package are MIT", "transports": [ "http" ], "remoteUrl": "https://api.sumsub.com", "packages": [ { "registry": "npm", "name": "@sumsub/websdk" } ], "auth": "mixed", "authNotes": "The REST API takes an app token generated in the Dashboard by a signed-in team member. Each request carries `X-App-Token`, `X-App-Access-Ts` and `X-App-Access-Sig`, an HMAC-SHA256 signature made with the token's secret key over the timestamp, method, path and body. A token has its own permissions, an optional IP allowlist, an optional expiry date and optional source keys that limit it to a group of applicants, and it can be disabled or deleted but not edited. Sandbox and production tokens are separate. The MCP server at https://api.sumsub.com/mcp/ uses OAuth with PKCE and dynamic client registration, signs the user in with Sumsub, and needs the Use MCP server role permission. Production mode opens after Sumsub verifies the integration (https://docs.sumsub.com/reference/about-sumsub-api).", "pricing": "usage", "pricingNotes": "Basic is $1.35 per verification with a $149 monthly minimum, and Compliance is $1.85 with a $299 minimum and adds AML screening and address checks. Business verification, transaction monitoring and fraud prevention are on a custom plan through sales. Only completed checks are charged. Sandbox mode is free in any account, limited to 500 new applicants and 1,000 transactions per 24 hours. The 14-day trial of 50 real checks asks for bank card details (https://sumsub.com/pricing/, https://docs.sumsub.com/docs/self-service, checked 2026-10-08).", "priceSummary": "$1.35 / tx", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API reference, the OpenAPI spec or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 172226, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.sumsub.com", "llmsTxt": "https://docs.sumsub.com/llms.txt", "openapi": "https://api.sumsub.com/openapi.json", "capabilities": [ "kyc.identity", "kyc.business", "kyc.documents", "kyc.screening", "kyc.cases" ], "tags": [ "hosted", "usage-based", "sandbox", "api-key", "oauth", "mcp", "openapi", "llms-txt", "webhooks", "status-page", "sla", "bug-bounty", "soc2", "iso27001" ], "lastRelease": "2026-10-03", "graded": true, "anchor": { "graded": true, "score": 68.5, "grade": "B", "agentReady": false, "rank": 167, "ranked": true, "rankOf": 629, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 60, "maintenance": 74, "payments": 25, "reliability": 80, "schema": 78, "security": 80, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Per-token permissions, an IP allowlist, HMAC-signed requests and a public OpenAPI spec with Markdown docs suit an agent working on verification cases. No idempotency keys or Retry-After guidance were found, there is no server SDK, and production access needs a browser signup, a bank card and Sumsub's review of the integration.", "bestFor": "An agent that starts verifications, sends links, reads results and AML cases, and works case queues for a regulated business, with one token limited to those permissions.", "strengths": [ "App tokens carry per-token permissions, an optional IP allowlist and expiry date, and can be disabled with a recorded reason", "Requests are signed with HMAC-SHA256 over timestamp, method, path and body, so the secret key never travels", "Public OpenAPI 3.0.1 spec with 157 operations, llms.txt, and every docs page served as Markdown", "Hosted MCP server with OAuth, PKCE and dynamic client registration, gated by a Use MCP server role permission", "Terms publish a 99.5 per cent monthly uptime commitment, and the status page lists API, WebSDK and MobileSDK for three regions" ], "weaknesses": [ "No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation", "Only 24 of 157 operations in the OpenAPI spec carry a summary or description, and 154 declare only a default response", "No official server-side SDK. Sumsub publishes request-signing examples in seven languages instead", "The 14-day trial of 50 real checks needs a bank card, and production opens after Sumsub checks the integration", "Terms clause 6.9 permits Sumsub to use customers' personal data to develop fraud detection, including machine learning models", "The subprocessor list is published in the Dashboard, not on a public page" ], "agentNotes": [ "Sign every request. X-App-Access-Sig is the lowercase hex HMAC-SHA256 of timestamp, uppercase method, path with query and raw body, and the timestamp must be within one minute of server time", "Use a sandbox token (prefix sbx) for agent work. Sandbox and production tokens are separate, and Sumsub's own skills refuse any other prefix", "Stay under 300 GET and 50 POST requests per 5 seconds, and under 500 new applicants per 24 hours in Sandbox", "Token permissions can't be edited after creation. Generate a new token with the narrower set and delete the old one", "Subscribe to the applicantReviewed webhook for results and verify x-payload-digest against the raw body before trusting it" ], "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": 68.5 } ], "editorialScores": { "ergonomics": 60, "maintenance": 74, "payments": 25, "reliability": 80, "schema": 78, "security": 80, "transparency": 52 }, "provenanceScore": 96 }, "connect": { "install": "npx skills add sumsub/agent-skills --all -g", "http": "curl -X GET \\\n 'https://api.sumsub.com/resources/auditTrailEvents/list?from=2024-06-01+00:00:00\u0026to=2024-06-30+23:59:59\u0026limit=100' \\\n -H 'X-App-Token: \u003cyour-app-token\u003e' \\\n -H 'X-App-Access-Sig: \u003cyour-signature\u003e' \\\n -H 'X-App-Access-Ts: \u003cunix-timestamp\u003e'", "claudeCode": "claude mcp add --transport http sumsub https://api.sumsub.com/mcp/", "config": { "mcpServers": { "sumsub": { "args": [ "mcp-remote", "https://api.sumsub.com/mcp/" ], "command": "npx" } } } }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/sumsub" }, "area": "domain-data", "unitPrices": [ { "item": "Basic plan, user verification", "unit": "tx", "usd": 1.35, "note": "per completed verification; $149 monthly minimum" }, { "item": "Compliance plan, user verification with AML screening and address check", "unit": "tx", "usd": 1.85, "note": "per completed verification; $299 monthly minimum" } ], "provenance": { "legalEntity": "Sum and Substance Ltd", "domain": "sumsub.com", "domainRegistered": "2015-05-01", "endpointOnVendorDomain": true, "terms": "https://sumsub.com/terms-and-conditions/", "privacy": "https://sumsub.com/privacy-notice-service/", "statusPage": "https://status.sumsub.com", "changelog": "https://docs.sumsub.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The terms (version of 21 May 2026) name Sum and Substance Ltd, England, company number 09688671, 30 St. Mary Axe, London EC3A 8BF, with contracting entities in the UAE, Delaware, Singapore and Cyprus depending on where the customer is registered.", "The API and the MCP server answer at api.sumsub.com, and the Dashboard and OAuth issuer at cockpit.sumsub.com.", "sumsub.com/.well-known/security.txt gives security@sumsub.com and a Bugcrowd engagement as contacts and expires on 2027-12-31.", "The service privacy notice was last updated on 19 March 2026. The data processing agreement is Annex 3 of the terms.", "RDAP for sumsub.com gives a registration date of 2015-05-01." ], "score": 96 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/sumsub.json", "live": { "slug": "sumsub", "probe": { "target": "https://api.sumsub.com", "method": "get", "lastAt": "2026-10-08T19:08:59.533904511Z", "lastOk": true, "lastStatus": 200, "lastMs": 316, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 204, "p95ms24h": 298, "samples24h": 42, "samples30d": 42, "days": [ { "date": "2026-10-08", "probes": 42, "ok": 42 } ] }, "vendorStatus": { "page": "https://status.sumsub.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:07:00.588853954Z" }, "versions": [ { "registry": "npm", "name": "@sumsub/websdk", "version": "2.9.0", "seenAt": "2026-10-08T16:31:00.353997894Z" } ], "githubStars": 7, "npmWeekly": 172226, "securityTxt": { "url": "https://sumsub.com/.well-known/security.txt", "state": "valid", "expires": "2027-12-31T11:59:00Z", "checkedAt": "2026-10-08T15:38:36.412722848Z" }, "pages": [ { "url": "https://docs.sumsub.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:32.69717252Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "24fd7917e5f9" }, { "url": "https://sumsub.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:24:56.017931789Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "8df9176ba407" }, { "url": "https://sumsub.com/privacy-notice-service/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:24:58.191382748Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "676c31f026df" }, { "url": "https://sumsub.com/terms-and-conditions/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:25:00.198690776Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "63e133a2d160" } ], "updatedAt": "2026-10-08T19:08:59.533904511Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Persona Identities, Inc.", "b": "Sum and Substance Ltd", "name": "Vendor" }, { "a": "https://mcp.withpersona.com", "b": "https://api.sumsub.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Pay per use", "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 Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package 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": "2026-10-03", "name": "Last release" }, { "a": "couldn't be read", "b": "2026-05-21", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "2026-03-19", "name": "Privacy policy last updated" }, { "a": "couldn't be read", "b": "yes", "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": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "couldn't be read", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "couldn't be read", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "570k npm/wk", "b": "172k npm/wk", "name": "Popularity" } ], "faq": [ { "answer": "Persona scores 69.5 (B) on agent readiness against Sumsub's 68.5 (B), and leads in 4 of 7 scored categories. Sumsub leads on reliability, security \u0026 auth and transparency \u0026 trust.", "question": "Which is better for AI agents, Persona or Sumsub?" }, { "answer": "Persona needs an API key. Sumsub takes an API key or an OAuth sign-in.", "question": "Do Persona and Sumsub need an API key?" }, { "answer": "Yes. Persona has a hosted endpoint at https://mcp.withpersona.com and Sumsub at https://api.sumsub.com.", "question": "Can an agent call Persona and Sumsub without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 85 against 78", "Agent ergonomics, 74 against 60", "Payments \u0026 pricing, 35 against 25" ], "also": null, "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": [ "Reliability, 80 against 70", "Security \u0026 auth, 80 against 73", "Transparency \u0026 trust, 74 against 68" ], "also": null, "goodFor": "An agent that starts verifications, sends links, reads results and AML cases, and works case queues for a regulated business, with one token limited to those permissions.", "slug": "sumsub", "watchFor": "No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation" } ], "job": { "capability": "kyc.identity", "name": "Kyc identity" }, "others": [ { "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-sumsub.json", "title": "Jumio vs Sumsub", "url": "https://www.anchorterminal.com/compare/jumio-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/sumsub-vs-trulioo.json", "title": "Sumsub vs Trulioo", "url": "https://www.anchorterminal.com/compare/sumsub-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/sumsub-vs-veriff.json", "title": "Sumsub vs Veriff", "url": "https://www.anchorterminal.com/compare/sumsub-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-persona.json", "title": "Middesk vs Persona", "url": "https://www.anchorterminal.com/compare/middesk-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-sumsub.json", "title": "Middesk vs Sumsub", "url": "https://www.anchorterminal.com/compare/middesk-vs-sumsub" } ], "scores": [ { "by": 10, "edge": "sumsub", "key": "reliability", "name": "Reliability", "persona": 70, "sumsub": 80, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 7, "edge": "persona", "key": "schema", "name": "Schema \u0026 documentation", "persona": 85, "sumsub": 78, "weight": 13 }, { "by": 14, "edge": "persona", "key": "ergonomics", "name": "Agent ergonomics", "persona": 74, "sumsub": 60, "weight": 13 }, { "by": 7, "edge": "sumsub", "key": "security", "name": "Security \u0026 auth", "persona": 73, "sumsub": 80, "weight": 14 }, { "by": 10, "edge": "persona", "key": "payments", "name": "Payments \u0026 pricing", "persona": 35, "sumsub": 25, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 1, "edge": "persona", "key": "maintenance", "name": "Maintenance \u0026 community", "persona": 75, "sumsub": 74, "weight": 7 }, { "by": 6, "edge": "sumsub", "key": "transparency", "name": "Transparency \u0026 trust", "persona": 68, "sumsub": 74, "weight": 7 } ], "summary": "Persona scores 69.5 (B) on agent readiness against Sumsub's 68.5 (B), and leads in 4 of 7 scored categories. Sumsub leads on reliability, security \u0026 auth and transparency \u0026 trust. Both do kyc identity.", "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.", "sumsub": "Per-token permissions, an IP allowlist, HMAC-signed requests and a public OpenAPI spec with Markdown docs suit an agent working on verification cases. No idempotency keys or Retry-After guidance were found, there is no server SDK, and production access needs a browser signup, a bank card and Sumsub's review of the integration." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/persona-vs-sumsub", "json": "https://www.anchorterminal.com/compare/persona-vs-sumsub.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/persona-vs-sumsub.md", "slim": "https://www.anchorterminal.com/compare/persona-vs-sumsub.min.md" }, "markdown": "Persona scores 69.5 (B) on agent readiness against Sumsub's 68.5 (B), and leads in 4 of 7 scored categories. Sumsub leads on reliability, security \u0026 auth and transparency \u0026 trust. Both do kyc identity.\n\n- Persona: grade B, 69.5/100, rank #148 of 629. Markdown https://www.anchorterminal.com/tools/persona.md · JSON https://www.anchorterminal.com/api/v1/tools/persona.json\n- Sumsub: grade B, 68.5/100, rank #167 of 629. Markdown https://www.anchorterminal.com/tools/sumsub.md · JSON https://www.anchorterminal.com/api/v1/tools/sumsub.json\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- Schema \u0026 documentation, 85 against 78\n- Agent ergonomics, 74 against 60\n- Payments \u0026 pricing, 35 against 25\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### Sumsub (B)\n\nGood for: An agent that starts verifications, sends links, reads results and AML cases, and works case queues for a regulated business, with one token limited to those permissions.\n\nAhead on:\n- Reliability, 80 against 70\n- Security \u0026 auth, 80 against 73\n- Transparency \u0026 trust, 74 against 68\n\nWatch for: No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation\n\n\n## Score by category\n\n| Category | Weight | Persona | Sumsub | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 80 | Sumsub +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 78 | Persona +7 |\n| Agent ergonomics | 13% (16.2 this run) | 74 | 60 | Persona +14 |\n| Security \u0026 auth | 14% (17.5 this run) | 73 | 80 | Sumsub +7 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 25 | Persona +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 75 | 74 | Persona +1 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 68 | 74 | Sumsub +6 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.5 · B** | **68.5 · B** | |\n\n## Facts side by side\n\n| Fact | Persona | Sumsub |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Persona Identities, Inc. | Sum and Substance Ltd |\n| Hosted endpoint | `https://mcp.withpersona.com` | `https://api.sumsub.com` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Paid | Pay per use |\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 Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package 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 | 2026-10-03 |\n| Terms last updated | couldn't be read | 2026-05-21 |\n| Privacy policy last updated | couldn't be read | 2026-03-19 |\n| Customer content may train models | couldn't be read | yes |\n| Terms restrict automated access | couldn't be read | not found in the text |\n| Terms restrict benchmarking | couldn't be read | not found in the text |\n| Terms or service can change without notice | couldn't be read | yes |\n| Arbitration or class-action waiver | couldn't be read | yes |\n| Popularity | 570k npm/wk | 172k npm/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**Sumsub.** Per-token permissions, an IP allowlist, HMAC-signed requests and a public OpenAPI spec with Markdown docs suit an agent working on verification cases. No idempotency keys or Retry-After guidance were found, there is no server SDK, and production access needs a browser signup, a bank card and Sumsub's review of the integration.\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### Sumsub\n\n1. Sign every request. X-App-Access-Sig is the lowercase hex HMAC-SHA256 of timestamp, uppercase method, path with query and raw body, and the timestamp must be within one minute of server time\n2. Use a sandbox token (prefix sbx) for agent work. Sandbox and production tokens are separate, and Sumsub's own skills refuse any other prefix\n3. Stay under 300 GET and 50 POST requests per 5 seconds, and under 500 new applicants per 24 hours in Sandbox\n4. Token permissions can't be edited after creation. Generate a new token with the narrower set and delete the old one\n5. Subscribe to the applicantReviewed webhook for results and verify x-payload-digest against the raw body before trusting it\n\n## Questions\n\n### Which is better for AI agents, Persona or Sumsub?\n\nPersona scores 69.5 (B) on agent readiness against Sumsub's 68.5 (B), and leads in 4 of 7 scored categories. Sumsub leads on reliability, security \u0026 auth and transparency \u0026 trust.\n\n### Do Persona and Sumsub need an API key?\n\nPersona needs an API key. Sumsub takes an API key or an OAuth sign-in.\n\n### Can an agent call Persona and Sumsub without installing anything?\n\nYes. Persona has a hosted endpoint at https://mcp.withpersona.com and Sumsub at https://api.sumsub.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/persona-vs-sumsub.json, and with the fewest tokens: https://www.anchorterminal.com/compare/persona-vs-sumsub.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"persona\", \"b\": \"sumsub\"}`. From a terminal: `anchor compare persona sumsub`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/persona.json and https://www.anchorterminal.com/api/v1/tools/sumsub.json\n\n## Other comparisons with Persona or Sumsub\n\n- [Jumio vs Persona](https://www.anchorterminal.com/compare/jumio-vs-persona.md)\n- [Jumio vs Sumsub](https://www.anchorterminal.com/compare/jumio-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- [Sumsub vs Trulioo](https://www.anchorterminal.com/compare/sumsub-vs-trulioo.md)\n- [Sumsub vs Veriff](https://www.anchorterminal.com/compare/sumsub-vs-veriff.md)\n- [Middesk vs Persona](https://www.anchorterminal.com/compare/middesk-vs-persona.md)\n- [Middesk vs Sumsub](https://www.anchorterminal.com/compare/middesk-vs-sumsub.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "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 Sumsub", "url": "" } ], "description": "Persona scores 69.5 (B) on agent readiness against Sumsub's 68.5 (B), and leads in 4 of 7 scored categories. Sumsub leads on reliability, security \u0026 auth and transparency \u0026 trust. Both do kyc identity. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Persona B 69.5", "Sumsub B 68.5", "scores" ], "h1": "Persona vs Sumsub", "image": "https://www.anchorterminal.com/assets/og/compare-persona-vs-sumsub.png", "path": "/compare/persona-vs-sumsub", "published": "2026-10-01", "section": "tools", "title": "Persona vs Sumsub for AI agents, B 69.5 vs B 68.5 | Anchor Terminal", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/persona-vs-sumsub" }, "tokens": { "markdown": 2050, "slim": 730 }, "version": 1 }