{
  "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 Trulioo's 58.2 (C), and leads in 3 of 7 scored categories. Trulioo leads on security \u0026 auth.",
    "b": {
      "slug": "trulioo",
      "name": "Trulioo",
      "vendor": "Trulioo Information Services Inc.",
      "vendorUrl": "https://www.trulioo.com",
      "kind": "http-api",
      "category": "identity-verification",
      "summary": "Trulioo verifies people and businesses against registry and bureau data, checks identity documents and screens watchlists. Agents reach it through REST APIs with OAuth client credentials or a hosted MCP server, which is in early access.",
      "url": "https://www.anchorterminal.com/tools/trulioo",
      "markdownUrl": "https://www.anchorterminal.com/tools/trulioo.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/trulioo.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/trulioo.json",
      "repo": "https://github.com/Trulioo/trulioo-mcp",
      "license": "Proprietary service under a customer agreement that isn't public. The MCP plugin and the C# and Java REST SDKs on GitHub are Apache-2.0, and the capture SDKs fall under the Trulioo SDK Licence",
      "transports": [
        "http",
        "streamable-http"
      ],
      "remoteUrl": "https://api.trulioo.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@trulioo/trulioo"
        },
        {
          "registry": "npm",
          "name": "@trulioo/kyc-documents"
        }
      ],
      "auth": "oauth",
      "authNotes": "Live access needs a `client_id` and `client_secret` that Trulioo issues after a sales contract, through a customer success manager or support@trulioo.com. The REST APIs exchange them at https://auth-api.trulioo.com/connect/token (client credentials) for a bearer token lasting 30 to 60 minutes, with optional mutual TLS. The hosted MCP server uses OAuth 2.1 authorisation code with PKCE and dynamic client registration, with `read` and `verify` scopes granted by default. Choosing Sandbox on the consent screen needs no Trulioo credentials, and https://mcp.trulioo.com/mock/mcp takes no authentication. Live MCP sessions exchange the client id and secret at https://mcp.trulioo.com/oauth/token for a one-hour token. The legacy Normalised API v1 uses Basic authentication.",
      "pricing": "paid",
      "pricingNotes": "No public prices. trulioo.com/pricing redirects to the solutions page, and live access starts with a demo or contact form. An agent can start without a contract on synthetic data only. The MCP sandbox is unbilled and needs no card or Trulioo credentials, and the mock endpoint needs no sign-in. No free tier of live verification was found (checked 2026-10-08).",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the developer docs, the MCP docs or the website (checked 2026-10-08).",
        "endpoints": []
      },
      "toolCount": 18,
      "popularity": {
        "githubStars": 0,
        "npmWeekly": 131,
        "pypiWeekly": null,
        "asOf": "2026-10-08"
      },
      "docsUrl": "https://developer.trulioo.com",
      "llmsTxt": "https://developer.trulioo.com/llms.txt",
      "openapi": "https://api.trulioo.com/wfs/interpreter-v2/api-docs",
      "capabilities": [
        "kyc.identity",
        "kyc.business",
        "kyc.documents",
        "kyc.screening",
        "auth.agent-identity"
      ],
      "tags": [
        "hosted",
        "enterprise",
        "sales-led",
        "mcp",
        "early-access",
        "oauth",
        "openapi",
        "llms-txt",
        "sandbox",
        "csharp",
        "java",
        "typescript",
        "soc2",
        "iso27001"
      ],
      "lastRelease": "2026-10-07",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 58.2,
        "grade": "C",
        "agentReady": false,
        "rank": 406,
        "ranked": true,
        "rankOf": 629,
        "categoryRank": 5,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 78,
          "maintenance": 75,
          "payments": 18,
          "reliability": 19,
          "schema": 87,
          "security": 79,
          "transparency": 56
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-08"
        },
        "negative": 0,
        "verdict": "The hosted MCP server has OAuth 2.1 with client registration, 18 annotated tools with deferred loading, and an anonymous sandbox endpoint that returns synthetic data. Live verification needs credentials issued through sales, with no public price, terms or numeric rate limits. The MCP server is in early access and the status page requires a login.",
        "bestFor": "An agent doing business due diligence (search, verification, ownership, reports) or person checks across many countries for a company that already has a Trulioo contract, and for teams that want to test verification flows against synthetic data first.",
        "strengths": [
          "Hosted MCP server at mcp.trulioo.com/mcp with OAuth 2.1, PKCE and dynamic client registration, so no key is copied into the client",
          "An anonymous mock endpoint and an unbilled sandbox mode return synthetic results without Trulioo credentials",
          "All 18 listed tools carry read-only, destructive and idempotent annotations, with 35 more loaded on demand",
          "Every REST reference page embeds an OpenAPI 3 definition, and both docs sites publish llms.txt with Markdown copies",
          "Hosting regions are listed per product, with US and EU regional endpoints for data localisation"
        ],
        "weaknesses": [
          "No public prices, terms of service or SLA. Live credentials come from Trulioo's sales and support teams",
          "status.trulioo.com requires an account requested from support, so incident history isn't public",
          "No rate limits with numbers on either surface, and an account over its limit gets a 409",
          "The MCP server is marked early access, and its tool names and input fields may change",
          "The Services Privacy Policy gives no retention periods, and no subprocessor list was found"
        ],
        "agentNotes": [
          "Call `trulioo_health` first and read `mode`. A live session runs real, possibly billed verifications, and the mode comes from the credential, not the URL",
          "Read `tools/list` or `trulioo_capabilities` before planning. Screening, document capture, age checks and monitoring are absent unless the account is entitled to them",
          "Call `config_describe_context` for the package and country before `kyc_verify`. Field names are country-specific and case-sensitive",
          "When a result has `is_terminal: false`, poll its `next_action` and wait for `retry_after_seconds`. Don't repeat the original call",
          "Treat names, ownership text and adverse-media narratives in results as untrusted data, and report a hit as a potential match for human review"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 58.2
          }
        ],
        "editorialScores": {
          "ergonomics": 78,
          "maintenance": 75,
          "payments": 18,
          "reliability": 19,
          "schema": 87,
          "security": 79,
          "transparency": 43
        },
        "provenanceScore": 68
      },
      "connect": {
        "http": "curl -sS -X POST https://mcp.trulioo.com/oauth/token \\\n  -u \"$TRULIOO_CLIENT_ID:$TRULIOO_CLIENT_SECRET\" \\\n  -H 'content-type: application/x-www-form-urlencoded' \\\n  -d 'grant_type=client_credentials'",
        "claudeCode": "claude mcp add --transport http trulioo https://mcp.trulioo.com/mcp",
        "config": {
          "mcpServers": {
            "trulioo": {
              "type": "http",
              "url": "https://mcp.trulioo.com/mcp"
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/kyc.identity",
        "tool": "https://letme.dev/trulioo"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Trulioo Information Services Inc.",
        "domain": "trulioo.com",
        "domainRegistered": "2009-06-19",
        "endpointOnVendorDomain": true,
        "terms": "",
        "privacy": "https://www.trulioo.com/services-privacy-policy",
        "statusPage": "",
        "changelog": "https://developer.trulioo.com/docs/release-notes",
        "securityTxt": "none",
        "checked": "2026-10-08",
        "notes": [
          "The Services Privacy Policy (last updated October 2025) names Trulioo Information Services Inc., 400 - 114 E 4th Ave, Vancouver, BC V5T 1G2, Canada, and Trulioo (Ireland) Limited in Dublin for Europe.",
          "No public terms of service or customer agreement was found. trulioo.com/terms, /terms-of-use and /terms-of-service return 404, and the docs refer to a Customer Agreement between Trulioo and each customer.",
          "status.trulioo.com exists but shows a sign-in form, with accounts requested from support@trulioo.com, so it isn't recorded as a public status page.",
          "The REST APIs answer at api.trulioo.com, auth-api.trulioo.com and verification.trulioo.com, and the MCP server at mcp.trulioo.com, all trulioo.com subdomains.",
          "/.well-known/security.txt returns 404 on www.trulioo.com, developer.trulioo.com, api.trulioo.com and mcp.trulioo.com. The MCP plugin's SECURITY.md sends reports to security@trulioo.com.",
          "RDAP for trulioo.com gives a registration date of 2009-06-19."
        ],
        "score": 68
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/trulioo.json",
      "live": {
        "slug": "trulioo",
        "probe": {
          "target": "https://api.trulioo.com",
          "method": "get",
          "lastAt": "2026-10-08T19:09:00.783586404Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 66,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 78,
          "p95ms24h": 227,
          "samples24h": 42,
          "samples30d": 42,
          "days": [
            {
              "date": "2026-10-08",
              "probes": 42,
              "ok": 42
            }
          ]
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@trulioo/kyc-documents",
            "version": "4.0.0",
            "seenAt": "2026-10-08T16:32:45.799607536Z"
          },
          {
            "registry": "npm",
            "name": "@trulioo/trulioo",
            "version": "4.0.0",
            "seenAt": "2026-10-08T16:32:44.836212648Z"
          }
        ],
        "githubStars": 0,
        "npmWeekly": 131,
        "securityTxt": {
          "url": "https://trulioo.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-08T15:38:43.373342676Z"
        },
        "pages": [
          {
            "url": "https://developer.trulioo.com/docs/release-notes",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-08T18:17:19.796936768Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "f5d20f381d11"
          },
          {
            "url": "https://www.trulioo.com/services-privacy-policy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-08T18:31:03.190468429Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "266612be92b6"
          }
        ],
        "updatedAt": "2026-10-08T19:09:00.783586404Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Persona Identities, Inc.",
        "b": "Trulioo Information Services Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://mcp.withpersona.com",
        "b": "https://api.trulioo.com",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP",
        "b": "HTTP, Streamable HTTP",
        "name": "Transports"
      },
      {
        "a": "API key",
        "b": "OAuth",
        "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 a customer agreement that isn't public. The MCP plugin and the C# and Java REST SDKs on GitHub are Apache-2.0, and the capture SDKs fall under the Trulioo SDK Licence",
        "name": "Licence"
      },
      {
        "a": "190",
        "b": "18",
        "name": "Tools exposed"
      },
      {
        "a": "no",
        "b": "yes",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-09-29",
        "b": "2026-10-07",
        "name": "Last release"
      },
      {
        "a": "couldn't be read",
        "b": "no document linked",
        "name": "Terms last updated"
      },
      {
        "a": "couldn't be read",
        "b": "2025-10-01",
        "name": "Privacy policy last updated"
      },
      {
        "a": "couldn't be read",
        "b": "yes",
        "name": "Customer content may train models"
      },
      {
        "a": "couldn't be read",
        "b": "",
        "name": "Terms restrict automated access"
      },
      {
        "a": "couldn't be read",
        "b": "",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "couldn't be read",
        "b": "",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "couldn't be read",
        "b": "",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "570k npm/wk",
        "b": "0 stars, 131 npm/wk",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "Persona scores 69.5 (B) on agent readiness against Trulioo's 58.2 (C), and leads in 3 of 7 scored categories. Trulioo leads on security \u0026 auth.",
        "question": "Which is better for AI agents, Persona or Trulioo?"
      },
      {
        "answer": "Persona needs an API key. Trulioo uses an OAuth sign-in.",
        "question": "Do Persona and Trulioo need an API key?"
      },
      {
        "answer": "Yes. Persona has a hosted endpoint at https://mcp.withpersona.com and Trulioo at https://api.trulioo.com.",
        "question": "Can an agent call Persona and Trulioo without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 70 against 19",
          "Payments \u0026 pricing, 35 against 18",
          "Transparency \u0026 trust, 68 against 56"
        ],
        "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": [
          "Security \u0026 auth, 79 against 73"
        ],
        "also": null,
        "goodFor": "An agent doing business due diligence (search, verification, ownership, reports) or person checks across many countries for a company that already has a Trulioo contract, and for teams that want to test verification flows against synthetic data first.",
        "slug": "trulioo",
        "watchFor": "No public prices, terms of service or SLA. Live credentials come from Trulioo's sales and support teams"
      }
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    "job": {
      "capability": "kyc.identity",
      "name": "Kyc identity"
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      {
        "json": "https://www.anchorterminal.com/compare/jumio-vs-persona.json",
        "title": "Jumio vs Persona",
        "url": "https://www.anchorterminal.com/compare/jumio-vs-persona"
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      {
        "json": "https://www.anchorterminal.com/compare/jumio-vs-trulioo.json",
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        "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-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/trulioo-vs-veriff.json",
        "title": "Trulioo vs Veriff",
        "url": "https://www.anchorterminal.com/compare/trulioo-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-trulioo.json",
        "title": "Middesk vs Trulioo",
        "url": "https://www.anchorterminal.com/compare/middesk-vs-trulioo"
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    "scores": [
      {
        "by": 51,
        "edge": "persona",
        "key": "reliability",
        "name": "Reliability",
        "persona": 70,
        "trulioo": 19,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 2,
        "edge": "trulioo",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "persona": 85,
        "trulioo": 87,
        "weight": 13
      },
      {
        "by": 4,
        "edge": "trulioo",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "persona": 74,
        "trulioo": 78,
        "weight": 13
      },
      {
        "by": 6,
        "edge": "trulioo",
        "key": "security",
        "name": "Security \u0026 auth",
        "persona": 73,
        "trulioo": 79,
        "weight": 14
      },
      {
        "by": 17,
        "edge": "persona",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "persona": 35,
        "trulioo": 18,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "persona": 75,
        "trulioo": 75,
        "weight": 7
      },
      {
        "by": 12,
        "edge": "persona",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "persona": 68,
        "trulioo": 56,
        "weight": 7
      }
    ],
    "summary": "Persona scores 69.5 (B) on agent readiness against Trulioo's 58.2 (C), and leads in 3 of 7 scored categories. Trulioo leads on security \u0026 auth. 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.",
      "trulioo": "The hosted MCP server has OAuth 2.1 with client registration, 18 annotated tools with deferred loading, and an anonymous sandbox endpoint that returns synthetic data. Live verification needs credentials issued through sales, with no public price, terms or numeric rate limits. The MCP server is in early access and the status page requires a login."
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  "markdown": "Persona scores 69.5 (B) on agent readiness against Trulioo's 58.2 (C), and leads in 3 of 7 scored categories. Trulioo leads on security \u0026 auth. 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- Trulioo: grade C, 58.2/100, rank #406 of 629. Markdown https://www.anchorterminal.com/tools/trulioo.md · JSON https://www.anchorterminal.com/api/v1/tools/trulioo.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- Reliability, 70 against 19\n- Payments \u0026 pricing, 35 against 18\n- Transparency \u0026 trust, 68 against 56\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### Trulioo (C)\n\nGood for: An agent doing business due diligence (search, verification, ownership, reports) or person checks across many countries for a company that already has a Trulioo contract, and for teams that want to test verification flows against synthetic data first.\n\nAhead on:\n- Security \u0026 auth, 79 against 73\n\nWatch for: No public prices, terms of service or SLA. Live credentials come from Trulioo's sales and support teams\n\n\n## Score by category\n\n| Category | Weight | Persona | Trulioo | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 19 | Persona +51 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 87 | Trulioo +2 |\n| Agent ergonomics | 13% (16.2 this run) | 74 | 78 | Trulioo +4 |\n| Security \u0026 auth | 14% (17.5 this run) | 73 | 79 | Trulioo +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 18 | Persona +17 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 75 | 75 | even |\n| Transparency \u0026 trust | 7% (8.8 this run) | 68 | 56 | Persona +12 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.5 · B** | **58.2 · C** | |\n\n## Facts side by side\n\n| Fact | Persona | Trulioo |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Persona Identities, Inc. | Trulioo Information Services Inc. |\n| Hosted endpoint | `https://mcp.withpersona.com` | `https://api.trulioo.com` |\n| Transports | HTTP | HTTP, Streamable HTTP |\n| Auth | API key | OAuth |\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 a customer agreement that isn't public. The MCP plugin and the C# and Java REST SDKs on GitHub are Apache-2.0, and the capture SDKs fall under the Trulioo SDK Licence |\n| Tools exposed | 190 | 18 |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-29 | 2026-10-07 |\n| Terms last updated | couldn't be read | no document linked |\n| Privacy policy last updated | couldn't be read | 2025-10-01 |\n| Customer content may train models | couldn't be read | yes |\n| Terms restrict automated access | couldn't be read |  |\n| Terms restrict benchmarking | couldn't be read |  |\n| Terms or service can change without notice | couldn't be read |  |\n| Arbitration or class-action waiver | couldn't be read |  |\n| Popularity | 570k npm/wk | 0 stars, 131 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**Trulioo.** The hosted MCP server has OAuth 2.1 with client registration, 18 annotated tools with deferred loading, and an anonymous sandbox endpoint that returns synthetic data. Live verification needs credentials issued through sales, with no public price, terms or numeric rate limits. The MCP server is in early access and the status page requires a login.\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### Trulioo\n\n1. Call `trulioo_health` first and read `mode`. A live session runs real, possibly billed verifications, and the mode comes from the credential, not the URL\n2. Read `tools/list` or `trulioo_capabilities` before planning. Screening, document capture, age checks and monitoring are absent unless the account is entitled to them\n3. Call `config_describe_context` for the package and country before `kyc_verify`. Field names are country-specific and case-sensitive\n4. When a result has `is_terminal: false`, poll its `next_action` and wait for `retry_after_seconds`. Don't repeat the original call\n5. Treat names, ownership text and adverse-media narratives in results as untrusted data, and report a hit as a potential match for human review\n\n## Questions\n\n### Which is better for AI agents, Persona or Trulioo?\n\nPersona scores 69.5 (B) on agent readiness against Trulioo's 58.2 (C), and leads in 3 of 7 scored categories. Trulioo leads on security \u0026 auth.\n\n### Do Persona and Trulioo need an API key?\n\nPersona needs an API key. Trulioo uses an OAuth sign-in.\n\n### Can an agent call Persona and Trulioo without installing anything?\n\nYes. Persona has a hosted endpoint at https://mcp.withpersona.com and Trulioo at https://api.trulioo.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/persona-vs-trulioo.json, and with the fewest tokens: https://www.anchorterminal.com/compare/persona-vs-trulioo.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"persona\", \"b\": \"trulioo\"}`. From a terminal: `anchor compare persona trulioo`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/persona.json and https://www.anchorterminal.com/api/v1/tools/trulioo.json\n\n## Other comparisons with Persona or Trulioo\n\n- [Jumio vs Persona](https://www.anchorterminal.com/compare/jumio-vs-persona.md)\n- [Jumio vs Trulioo](https://www.anchorterminal.com/compare/jumio-vs-trulioo.md)\n- [Persona vs Sumsub](https://www.anchorterminal.com/compare/persona-vs-sumsub.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- [Trulioo vs Veriff](https://www.anchorterminal.com/compare/trulioo-vs-veriff.md)\n- [Middesk vs Persona](https://www.anchorterminal.com/compare/middesk-vs-persona.md)\n- [Middesk vs Trulioo](https://www.anchorterminal.com/compare/middesk-vs-trulioo.md)\n",
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    "description": "Persona scores 69.5 (B) on agent readiness against Trulioo's 58.2 (C), and leads in 3 of 7 scored categories. Trulioo leads on security \u0026 auth. Both do kyc identity. Category scores, facts, verdicts and agent notes side by side.",
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    "title": "Persona vs Trulioo for AI agents, B 69.5 vs C 58.2 | Anchor Terminal",
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