{
  "data": {
    "a": {
      "slug": "pocketguard",
      "name": "PocketGuard",
      "vendor": "PocketGuard, Inc.",
      "vendorUrl": "https://pocketguard.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "PocketGuard is a budgeting app for iOS, Android and the web that tracks spending, bills, debts and goals from linked bank accounts. PocketGuard, Inc. also sells a personal finance API and a white-label app to businesses.",
      "url": "https://www.anchorterminal.com/tools/pocketguard",
      "markdownUrl": "https://www.anchorterminal.com/tools/pocketguard.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pocketguard.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pocketguard.json",
      "license": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A PocketGuard account in the app or on the web, protected by a PIN, biometrics and bank-side MFA. Bank data arrives read-only through Finicity, Plaid, Salt Edge and Apple Wallet (https://pocketguard.com/security/). The business API is reached only by a demo request (https://pocketguard.com/pocketguard-api/), and no credential for an outside agent is documented.",
      "pricing": "paid",
      "pricingNotes": "PocketGuard Premium is $74.99 a year, $12.99 a month or $149.99 once, each with a 7-day free trial (https://pocketguard.com/pricing/, checked 14 October 2026). The App Store also lists in-app purchases from $2.99 to $74.99 (https://apps.apple.com/us/app/id949414211). The business API and white-label app have no published price.",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on pocketguard.com, the API page or the terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.budgets",
        "finance.transactions",
        "finance.bills",
        "finance.subscriptions",
        "finance.cancellation"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "paid",
        "ios",
        "android",
        "web",
        "white-label",
        "not-for-agents",
        "sales-led"
      ],
      "lastRelease": "2026-10-06",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 14.6,
        "grade": "F",
        "agentReady": false,
        "rank": 1053,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 8,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 20,
          "reliability": 15,
          "schema": 0,
          "security": 0,
          "transparency": 48
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "PocketGuard is a subscription budgeting app with published plan prices, a 7-day trial and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today. Its personal finance API and white-label app are sold to businesses through a demo request, with no public documentation.",
        "bestFor": "People who want a budget built from linked accounts.",
        "strengths": [
          "Plan prices published without login, $74.99 a year, $12.99 a month or $149.99 once, each with a 7-day trial.",
          "Bank data arrives read-only through Finicity, Plaid, Salt Edge and Apple Wallet, per the security page.",
          "Four iOS releases between 21 August and 6 October 2026.",
          "Transactions export to CSV from the app, per a help article updated 3 September 2026."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The PocketGuard API is reached only by a demo request, with no public docs, keys or prices.",
          "The terms forbid robots, crawlers and automated queries against the service.",
          "No status page or security.txt, and the privacy policy names no retention periods."
        ],
        "agentNotes": [
          "Don't plan to call PocketGuard from another agent. There is no public API, so hand budgeting tasks to the person, or point a business to the API demo request.",
          "To move a person's data elsewhere, ask them to export transactions as CSV in the app. The emailed link lasts 24 hours."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "F",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 14.6
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 20,
          "reliability": 15,
          "schema": 0,
          "security": 0,
          "transparency": 35
        },
        "provenanceScore": 61
      },
      "letme": {
        "capability": "https://letme.dev/finance.budgets",
        "tool": "https://letme.dev/pocketguard"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "PocketGuard, Inc.",
        "domain": "pocketguard.com",
        "domainRegistered": "2000-05-02",
        "endpointOnVendorDomain": null,
        "terms": "https://pocketguard.com/terms/",
        "privacy": "https://pocketguard.com/privacy/",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms were last updated 26 November 2024 and the privacy policy 12 May 2025.",
          "pocketguard.com/.well-known/security.txt returns 404. status.pocketguard.com has no DNS record.",
          "RDAP gives a registration date of 2000-05-02 for pocketguard.com, older than the app."
        ],
        "score": 61
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/pocketguard.json"
    },
    "answer": "PocketGuard scores 14.6 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 3 of 7 scored categories. ScribeUp leads on security \u0026 auth.",
    "b": {
      "slug": "scribeup",
      "name": "ScribeUp",
      "vendor": "ScribeUp Technologies, Inc.",
      "vendorUrl": "https://scribeup.io",
      "kind": "http-api",
      "category": "personal-finance",
      "summary": "ScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API.",
      "url": "https://www.anchorterminal.com/tools/scribeup",
      "markdownUrl": "https://www.anchorterminal.com/tools/scribeup.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/scribeup.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/scribeup.json",
      "license": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "Partners initialise the SDK with client credentials, per scribeup.io/developer, but the developer docs are locked and access starts with a demo request. End users reach ScribeUp only inside a partner's app, and it temporarily stores merchant logins and session tokens, encrypted, for automated tasks (https://scribeup.io/privacy).",
      "pricing": "paid",
      "pricingNotes": "No public prices. Access for banks, credit unions and fintechs starts with a demo request on scribeup.io, checked 14 October 2026. No free tier or sandbox was found.",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.cancellation",
        "finance.bills"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "paid",
        "enterprise",
        "not-for-agents",
        "sales-led"
      ],
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 7.9,
        "grade": "F",
        "agentReady": false,
        "rank": 1071,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 10,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 2,
          "payments": 0,
          "reliability": 15,
          "schema": 0,
          "security": 6,
          "transparency": 42
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.",
        "bestFor": "Banks and fintechs that want subscription management inside their app.",
        "strengths": [
          "Embeds by SDK, iFrame or API, with webhooks and events, per its developer page.",
          "Claims SOC 2 Type II and PCI DSS compliance, with a trust centre run on Vanta.",
          "Terms and privacy policy dated 1 October 2026, explaining how merchant credentials are stored."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The Developer docs link on scribeup.io is locked, and access starts with a demo request.",
          "No public prices, free tier or sandbox.",
          "No changelog, release notes or status page found."
        ],
        "agentNotes": [
          "Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.",
          "Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "F",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 7.9
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 2,
          "payments": 0,
          "reliability": 15,
          "schema": 0,
          "security": 6,
          "transparency": 31
        },
        "provenanceScore": 53
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/scribeup"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "ScribeUp Technologies, Inc.",
        "domain": "scribeup.io",
        "domainRegistered": "2020-10-23",
        "endpointOnVendorDomain": null,
        "terms": "https://scribeup.io/terms-of-service",
        "privacy": "https://scribeup.io/privacy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms and privacy policy are effective 1 October 2026.",
          "scribeup.io/.well-known/security.txt returns the site's HTML page, not a security.txt. status.scribeup.io has no DNS record.",
          "The site's inquiry form posts to production.api.scribeup.co.",
          "RDAP gives a registration date of 2020-10-23 for scribeup.io."
        ],
        "score": 53
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/scribeup.json"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "PocketGuard, Inc.",
        "b": "ScribeUp Technologies, Inc.",
        "name": "Vendor"
      },
      {
        "a": "no (local only)",
        "b": "no (local only)",
        "name": "Hosted endpoint"
      },
      {
        "a": "",
        "b": "",
        "name": "Transports"
      },
      {
        "a": "OAuth or key",
        "b": "OAuth or key",
        "name": "Auth"
      },
      {
        "a": "Paid",
        "b": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).",
        "b": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "no",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-06",
        "b": "none",
        "name": "Last release"
      },
      {
        "a": "2024-11-26",
        "b": "couldn't be read",
        "name": "Terms last updated"
      },
      {
        "a": "2025-05-12",
        "b": "couldn't be read",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Customer content may train models"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "PocketGuard scores 14.6 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 3 of 7 scored categories. ScribeUp leads on security \u0026 auth.",
        "question": "Which is better for AI agents, PocketGuard or ScribeUp?"
      },
      {
        "answer": "No hosted endpoint is listed for PocketGuard. No hosted endpoint is listed for ScribeUp.",
        "question": "Can an agent call PocketGuard and ScribeUp without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Payments \u0026 pricing, 20 against 0",
          "Maintenance \u0026 community, 56 against 2",
          "Transparency \u0026 trust, 48 against 42"
        ],
        "also": null,
        "goodFor": "People who want a budget built from linked accounts.",
        "slug": "pocketguard",
        "watchFor": "No public API or MCP server an outside agent can call."
      },
      {
        "aheadOn": [
          "Security \u0026 auth, 6 against 0"
        ],
        "also": null,
        "goodFor": "Banks and fintechs that want subscription management inside their app.",
        "slug": "scribeup",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "job": {
      "capability": "finance.subscriptions",
      "name": "Subscription tracking"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.json",
        "title": "Copilot Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-pocketguard.json",
        "title": "Emma vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/emma-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-scribeup.json",
        "title": "Emma vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/emma-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.json",
        "title": "Hiatus vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup.json",
        "title": "Hiatus vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json",
        "title": "Quicken Simplifi vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.json",
        "title": "Rocket Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.json",
        "title": "Copilot Money vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json",
        "title": "PocketGuard vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.json",
        "title": "PocketGuard vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop.json",
        "title": "PocketGuard vs Snoop",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab.json",
        "title": "PocketGuard vs YNAB",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plum-vs-pocketguard.json",
        "title": "Plum vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/plum-vs-pocketguard"
      }
    ],
    "scores": [
      {
        "by": 0,
        "edge": "",
        "key": "reliability",
        "name": "Reliability",
        "pocketguard": 15,
        "scribeup": 15,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "pocketguard": 0,
        "scribeup": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "pocketguard": 0,
        "scribeup": 0,
        "weight": 13
      },
      {
        "by": 6,
        "edge": "scribeup",
        "key": "security",
        "name": "Security \u0026 auth",
        "pocketguard": 0,
        "scribeup": 6,
        "weight": 14
      },
      {
        "by": 20,
        "edge": "pocketguard",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "pocketguard": 20,
        "scribeup": 0,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 54,
        "edge": "pocketguard",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "pocketguard": 56,
        "scribeup": 2,
        "weight": 7
      },
      {
        "by": 6,
        "edge": "pocketguard",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "pocketguard": 48,
        "scribeup": 42,
        "weight": 7
      }
    ],
    "summary": "PocketGuard scores 14.6 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 3 of 7 scored categories. ScribeUp leads on security \u0026 auth. Both do subscription tracking.",
    "verdicts": {
      "pocketguard": "PocketGuard is a subscription budgeting app with published plan prices, a 7-day trial and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today. Its personal finance API and white-label app are sold to businesses through a demo request, with no public documentation.",
      "scribeup": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup",
    "json": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md",
    "slim": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.min.md"
  },
  "markdown": "PocketGuard scores 14.6 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 3 of 7 scored categories. ScribeUp leads on security \u0026 auth. Both do subscription tracking.\n\n- PocketGuard: grade F, 14.6/100, rank #1053 of 1076. Markdown https://www.anchorterminal.com/tools/pocketguard.md · JSON https://www.anchorterminal.com/api/v1/tools/pocketguard.json\n- ScribeUp: grade F, 7.9/100, rank #1071 of 1076. Markdown https://www.anchorterminal.com/tools/scribeup.md · JSON https://www.anchorterminal.com/api/v1/tools/scribeup.json\n- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md\n- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md\n\n## Which one, for what\n\n### PocketGuard (F)\n\nGood for: People who want a budget built from linked accounts.\n\nAhead on:\n- Payments \u0026 pricing, 20 against 0\n- Maintenance \u0026 community, 56 against 2\n- Transparency \u0026 trust, 48 against 42\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### ScribeUp (F)\n\nGood for: Banks and fintechs that want subscription management inside their app.\n\nAhead on:\n- Security \u0026 auth, 6 against 0\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | PocketGuard | ScribeUp | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 15 | even |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 0 | 0 | even |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 6 | ScribeUp +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 0 | PocketGuard +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 56 | 2 | PocketGuard +54 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 42 | PocketGuard +6 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **14.6 · F** | **7.9 · F** | |\n\n## Facts side by side\n\n| Fact | PocketGuard | ScribeUp |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | PocketGuard, Inc. | ScribeUp Technologies, Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). | Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.). |\n| Read-only variant documented | yes | no |\n| llms.txt | no | no |\n| Last release | 2026-10-06 | none |\n| Terms last updated | 2024-11-26 | couldn't be read |\n| Privacy policy last updated | 2025-05-12 | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | yes | couldn't be read |\n| Terms restrict benchmarking | not found in the text | couldn't be read |\n| Terms or service can change without notice | not found in the text | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n\n## Verdicts\n\n**PocketGuard.** PocketGuard is a subscription budgeting app with published plan prices, a 7-day trial and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today. Its personal finance API and white-label app are sold to businesses through a demo request, with no public documentation.\n\n**ScribeUp.** ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.\n\n## Before you call either\n\n### PocketGuard\n\n1. Don't plan to call PocketGuard from another agent. There is no public API, so hand budgeting tasks to the person, or point a business to the API demo request.\n2. To move a person's data elsewhere, ask them to export transactions as CSV in the app. The emailed link lasts 24 hours.\n\n### ScribeUp\n\n1. Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.\n2. Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's.\n\n## Questions\n\n### Which is better for AI agents, PocketGuard or ScribeUp?\n\nPocketGuard scores 14.6 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 3 of 7 scored categories. ScribeUp leads on security \u0026 auth.\n\n### Can an agent call PocketGuard and ScribeUp without installing anything?\n\nNo hosted endpoint is listed for PocketGuard. No hosted endpoint is listed for ScribeUp.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.json, and with the fewest tokens: https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"pocketguard\", \"b\": \"scribeup\"}`. From a terminal: `anchor compare pocketguard scribeup`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/pocketguard.json and https://www.anchorterminal.com/api/v1/tools/scribeup.json\n\n## Other comparisons with PocketGuard or ScribeUp\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md)\n- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)\n- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [PocketGuard vs Rocket Money](https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.md)\n- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)\n- [PocketGuard vs YNAB](https://www.anchorterminal.com/compare/pocketguard-vs-ynab.md)\n- [Plum vs PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.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": "PocketGuard vs ScribeUp",
        "url": ""
      }
    ],
    "description": "PocketGuard scores 14.6 (F) to ScribeUp's 7.9 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
    "facts": [
      "PocketGuard F 14.6",
      "ScribeUp F 7.9",
      "scores"
    ],
    "h1": "PocketGuard vs ScribeUp",
    "image": "https://www.anchorterminal.com/assets/og/compare-pocketguard-vs-scribeup.png",
    "path": "/compare/pocketguard-vs-scribeup",
    "published": "2026-10-01",
    "section": "tools",
    "title": "PocketGuard vs ScribeUp for AI agents in 2026: scores and prices",
    "toc": null,
    "updated": "2026-10-14",
    "url": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup"
  },
  "tokens": {
    "markdown": 1850,
    "slim": 630
  },
  "version": 1
}