Personal Agent Atlas

Head to headchecked 19 Oct 2026

Instinct vs Pally

  • United StatesOnly Pally fully
  • United KingdomNeither has said
  • European UnionNeither has said
Instinct: 6 of 10 capabilities have a sourced yes. The rest are partly, no or not yet clear. A count, not a score.Works in your accounts: YesUses a browser or computer: YesWorks while you're away: YesLives in chat apps: YesMakes phone calls: YesCan pay for things: YesAsks before sending or paying: NoWorks in German: UnclearData can stay in the EU: UnclearRuns on your own hardware: No6InstinctSpear Street Technology
Pally: 7 of 10 capabilities have a sourced yes. The rest are partly, no or not yet clear. A count, not a score.Works in your accounts: YesUses a browser or computer: YesWorks while you're away: YesLives in chat apps: YesMakes phone calls: YesCan pay for things: YesAsks before sending or paying: YesWorks in German: UnclearData can stay in the EU: UnclearRuns on your own hardware: No7PallyPally Technologies
Availability
Where you can use it
USUnclearUKUnclearEUUnclearDE tested

Private access. No country list.

USYesUKUnclearEUUnclearDE tested

No published country list. Works over iMessage, RCS and Telegram.

Cheapest way in
Private access

No public price.

Free

Free for everyone, with a usage limit that refills through the week. Cloud Mac add-on. VIP is invitation-only at $1,000/mo.

What it can do
Works in your accounts
YesEmail, messaging, stored loginsPer reporting, 19 Oct 2026
YesSaved logins, WhatsApp as linked devicePer the maker, 19 Oct 2026
Uses a browser or computer
YesPersistent cloud computerPer reporting, 19 Oct 2026
YesWebsites, Mac screenPer the maker, 19 Oct 2026
Works while you're away
YesFollows up between messagesPer reporting, 19 Oct 2026
YesEvent automations and suggestionsPer the maker, 19 Oct 2026
Lives in chat apps
YesiMessage and WhatsAppPer reporting, 19 Oct 2026
YesiMessage, RCS, WhatsApp, TelegramPer the maker, 19 Oct 2026
Makes phone calls
YesPer reporting, 19 Oct 2026
YesCalls businessesPer the maker, 19 Oct 2026
Can pay for things
YesPer reporting, 19 Oct 2026
YesThrough your payment walletPer the maker, 19 Oct 2026
Asks before sending or paying
NoA user reported an email sent without checkingPer reporting, 19 Oct 2026
YesBefore sending, booking or buyingPer the maker, 19 Oct 2026
Works in German
UnclearNo source yet
UnclearNo source yet
Data can stay in the EU
UnclearNo source yet
UnclearNo source yet
Runs on your own hardware
NoRuns on the maker’s infrastructurePer reporting, 19 Oct 2026
NoHosted servicePer the maker, 19 Oct 2026
Details
What it can touch
  • Email
  • Messaging
  • Calendar
  • Screen recordings
  • Keystrokes
  • Audio
  • Location
  • Gmail and Outlook
  • Google Calendar
  • Slack and Notion
  • Phone calls
  • WhatsApp inbox
  • Purchases
How it asks before acting
Before it acts

Text commands. One user reported it sent an email on their behalf without prior consent.

Before it acts

Shows every message, purchase or invite word for word before it leaves. Pays with a single-use card capped at the approved amount.

Watch out for

Terms grant a broad, perpetual license to use your material for training.

Listing details are vendor-supplied and not yet audited.

Launched
undefined 2026
undefined 2026
People to follow
Sources
  1. SC Media citing TechCrunch, 25 Aug 2026
  2. Vellum, Instinct breakdown, 20 Aug 2026
  1. The AI Agent Index, updated 13 Oct 2026
  2. Pally pricing
  3. Pally, facts for AI assistants, 18 Oct 2026

Facts only, no scores. We have not tested these agents hands-on unless an entry says so.

More head to heads