# Terra API vs Validic Inform (slim)

> Terra scores 65.9 (B) to Validic Inform's 57.9 (C) for wearable and health app data. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/terra-vs-validic.md (~2,350 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/terra-vs-validic.json · canonical https://www.anchorterminal.com/compare/terra-vs-validic
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

Terra API scores 65.9 (B) on agent readiness against Validic Inform's 57.9 (C), and leads in 4 of 7 scored categories. Validic Inform leads on reliability, payments & pricing and transparency & trust. Both do wearable and health app data.

- Terra API: B 65.9, rank #327 of 1076 · https://www.anchorterminal.com/tools/terra.min.md
- Validic Inform: C 57.9, rank #628 of 1076 · https://www.anchorterminal.com/tools/validic.min.md
- Terra API, good for A fitness, wellness, insurance or research product whose users connect consumer wearables and apps, and an agent that needs to read one user's sleep, activity or body data through MCP. Ahead on Schema & documentation, 89 against 75; Agent ergonomics, 78 against 50; Security & auth, 65 against 30. Also A hosted endpoint, with nothing to install.
- Validic Inform, good for A remote patient monitoring or wellness app that needs normalised readings from many wearables and home devices, and an agent that wants to start building without a sales call. Ahead on Reliability, 73 against 67; Payments & pricing, 40 against 20; Transparency & trust, 71 against 56.

| Category | Terra API | Validic Inform |
| --- | --- | --- |
| Reliability (16%) | 67 | 73 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 89 | 75 |
| Agent ergonomics (13%) | 78 | 50 |
| Security & auth (14%) | 65 | 30 |
| Payments & pricing (10%) | 20 | 40 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 75 | 74 |
| Transparency & trust (7%) | 56 | 71 |

| Fact (where they differ) | Terra API | Validic Inform |
| --- | --- | --- |
| Vendor | Terra Enabling Developers Inc. | Validic, Inc. (ChartSpan) |
| Hosted endpoint | `https://access.tryterra.co/api/v2/mcp/<user_id>` | no (local only) |
| Transports | HTTP, Streamable HTTP | HTTP, SSE (legacy) |
| Auth | OAuth or key | API key |
| Pricing | Pay per use | Freemium |
| Licence | Proprietary service under Terra's terms of service. The OpenAPI specs repository is Apache 2.0 | Proprietary service under Validic's Online Service Agreement for Inform (last updated 13 August 2025). The inform-quickstart sample apps are MIT |
| Tools exposed | 6 | none |
| Last release | 2026-10-13 | 2026-10-12 |
| Terms last updated | 2026-05-01 | 2025-08-13 |
| Privacy policy last updated | 2023-04-20 | 2026-01-20 |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |
| Popularity | 13k npm/wk, 11k PyPI/wk | none |