# Sumsub vs Vouched

> Sumsub scores 68.5 (B) to Vouched's 56.4 (C) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/sumsub-vs-vouched
- Markdown: https://www.anchorterminal.com/compare/sumsub-vs-vouched.md (~2,450 tokens)
- Slim: https://www.anchorterminal.com/compare/sumsub-vs-vouched.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/sumsub-vs-vouched.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

Sumsub scores 68.5 (B) on agent readiness against Vouched's 56.4 (C), and leads in 3 of 7 scored categories. Vouched leads on agent ergonomics and payments & pricing. Both do identity verification.

- Sumsub: grade B, 68.5/100, rank #220 of 1076. Markdown https://www.anchorterminal.com/tools/sumsub.md · JSON https://www.anchorterminal.com/api/v1/tools/sumsub.json
- Vouched: grade C, 56.4/100, rank #673 of 1076. Markdown https://www.anchorterminal.com/tools/vouched.md · JSON https://www.anchorterminal.com/api/v1/tools/vouched.json
- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md
- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md

## Which one, for what

### Sumsub (B)

Good 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.

Ahead on:
- Reliability, 80 against 50
- Security & auth, 80 against 40
- Maintenance & community, 74 against 60

Also in its favour:
- A hosted endpoint, with nothing to install

Watch for: No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation

### Vouched (C)

Good for: US businesses in healthcare, finance, automotive and gig work that want document and selfie checks with published prices.

Ahead on:
- Agent ergonomics, 66 against 60
- Payments & pricing, 30 against 25

Watch for: Rate limits are stated without a number


## Score by category

| Category | Weight | Sumsub | Vouched | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 80 | 50 | Sumsub +30 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 78 | 81 | Vouched +3 |
| Agent ergonomics | 13% (16.2 this run) | 60 | 66 | Vouched +6 |
| Security & auth | 14% (17.5 this run) | 80 | 40 | Sumsub +40 |
| Payments & pricing | 10% (12.5 this run) | 25 | 30 | Vouched +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 74 | 60 | Sumsub +14 |
| Transparency & trust | 7% (8.8 this run) | 74 | 74 | even |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **68.5 · B** | **56.4 · C** | |

## Facts side by side

| Fact | Sumsub | Vouched |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Sum and Substance Ltd | Vouched Identity, Inc. |
| Hosted endpoint | `https://api.sumsub.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Pay per use | Pay per use |
| x402 | no | no |
| Licence | Proprietary service under Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package are MIT | Proprietary service under Vouched's Customer Terms of Service. The React Native capture package is Apache-2.0 |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-03 | 2026-08-28 |
| Terms last updated | 2026-05-21 | 2026-02-12 |
| Privacy policy last updated | 2026-03-19 | 2022-12-05 |
| Customer content may train models | yes | yes |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 172k npm/wk | 69 npm/wk |

## Verdicts

**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.

**Vouched.** Vouched publishes per-transaction prices from $0.75 with a $300 monthly minimum and a 14-day trial, and its docs carry llms.txt, OpenAPI fragments and filterable job search. Rate limits have no number, there is no idempotency key, server SDK or security.txt, and the API status page shows a 70-minute rise in rejections on 1 October 2026.

## Before you call either

### Sumsub

1. 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
2. Use a sandbox token (prefix sbx) for agent work. Sandbox and production tokens are separate, and Sumsub's own skills refuse any other prefix
3. Stay under 300 GET and 50 POST requests per 5 seconds, and under 500 new applicants per 24 hours in Sandbox
4. Token permissions can't be edited after creation. Generate a new token with the narrower set and delete the old one
5. Subscribe to the applicantReviewed webhook for results and verify x-payload-digest against the raw body before trusting it

### Vouched

1. Use the private key in `X-API-Key` against verify.vouched.id or verify.eu.vouched.id, matching the account's region
2. Check Find Jobs before resubmitting. There is no idempotency key and each job is billed
3. Pass `withPhotos=false` and select `fields` on Find Jobs to keep responses small
4. In a test account, use the name test pass for a clean result and any other name for a failure
5. Back off on 429. All endpoints share one limit and no figure is published

## Questions

### Which is better for AI agents, Sumsub or Vouched?

Sumsub scores 68.5 (B) on agent readiness against Vouched's 56.4 (C), and leads in 3 of 7 scored categories. Vouched leads on agent ergonomics and payments & pricing.

### Do Sumsub and Vouched need an API key?

Sumsub takes an API key or an OAuth sign-in. Vouched needs an API key.

### Can an agent call Sumsub and Vouched without installing anything?

Sumsub has a hosted endpoint at https://api.sumsub.com. No hosted endpoint is listed for Vouched.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/sumsub-vs-vouched.json, and with the fewest tokens: https://www.anchorterminal.com/compare/sumsub-vs-vouched.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "sumsub", "b": "vouched"}`. From a terminal: `anchor compare sumsub vouched`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/sumsub.json and https://www.anchorterminal.com/api/v1/tools/vouched.json

## Other comparisons with Sumsub or Vouched

- [Alloy vs Sumsub](https://www.anchorterminal.com/compare/alloy-vs-sumsub.md)
- [Alloy vs Vouched](https://www.anchorterminal.com/compare/alloy-vs-vouched.md)
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- [Didit vs Sumsub](https://www.anchorterminal.com/compare/didit-vs-sumsub.md)
- [Didit vs Vouched](https://www.anchorterminal.com/compare/didit-vs-vouched.md)
- [Entrust Identity Verification (formerly Onfido) vs Sumsub](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-sumsub.md)
- [Entrust Identity Verification (formerly Onfido) vs Vouched](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-vouched.md)
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- [Persona vs Vouched](https://www.anchorterminal.com/compare/persona-vs-vouched.md)
- [Plaid Identity Verification vs Sumsub](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.md)
- [Plaid Identity Verification vs Vouched](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.md)
- [Shufti vs Sumsub](https://www.anchorterminal.com/compare/shufti-vs-sumsub.md)
- [Shufti vs Vouched](https://www.anchorterminal.com/compare/shufti-vs-vouched.md)
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- [Stripe Identity vs Sumsub](https://www.anchorterminal.com/compare/stripe-identity-vs-sumsub.md)
- [Stripe Identity vs Vouched](https://www.anchorterminal.com/compare/stripe-identity-vs-vouched.md)
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- [Trulioo vs Vouched](https://www.anchorterminal.com/compare/trulioo-vs-vouched.md)
- [Veriff vs Vouched](https://www.anchorterminal.com/compare/veriff-vs-vouched.md)
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