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Hanko vs Stripe

Stripe scores higher on the AgentReady, 64/100 against 48/100. They differ on 7 of the 41 signals. Which ones decides whether an agent can adopt them without a person watching.

What each one is

Hanko. Hanko is an open-source authentication and user management platform for modern web and mobile apps.

Stripe. Financial infrastructure to grow your revenue.

Where Hanko is ahead

Hanko passes llms-full.txt / full agent docs, and Stripe does not. That is discover, whether an agent can find the product at all without being told it exists.

Where Stripe is ahead

Stripe passes clear product positioning and mcp discoverable, and Hanko does not. That is discover, whether an agent can find the product at all without being told it exists.

It also holds understand: authentication documented. Hanko misses it.

And on adopt, agent-compatible signup flow, cli available and mcp integration available. Hanko misses those.

What neither does

Both fail structured api reference, openapi / spec quality, request examples provided, response examples provided, errors and status codes documented, limits / constraints documented, no mandatory sales call, programmatic credential creation, machine-readable errors, retry behavior documented, idempotency support, rate-limit behavior predictable, agent compatibility verified. If your agent needs any of those, you will be building it yourself either way.

Score, pillar by pillar

The AgentReady splits into four pillars, scored separately, because a product can be easy to find and still impossible to adopt.

Discover. Stripe leads 93 to 73. Hanko misses clear product positioning, mcp discoverable; Stripe misses llms-full.txt / full agent docs.

Understand. Stripe leads 31 to 23. Hanko misses structured api reference, openapi / spec quality, authentication documented, request examples provided, response examples provided, errors and status codes documented, limits / constraints documented; Stripe misses structured api reference, openapi / spec quality, request examples provided, response examples provided, errors and status codes documented, limits / constraints documented.

Adopt is whether an agent can get a key and make its first successful call without a human in the loop. Stripe leads 81 to 50. Hanko misses no mandatory sales call, agent-compatible signup flow, programmatic credential creation, cli available, mcp integration available; Stripe misses no mandatory sales call, programmatic credential creation.

Operate. Stripe leads 50 to 47. Hanko misses machine-readable errors, retry behavior documented, idempotency support, rate-limit behavior predictable, agent compatibility verified; Stripe misses machine-readable errors, retry behavior documented, idempotency support, rate-limit behavior predictable, agent compatibility verified.

Pricing

Hanko starts at $29/month and has a free tier. Stripe does not publish one with no free tier.

Signal by signal

Which to pick

Stripe clears more of the signals an agent needs, so it is the safer default for unattended use. Full profiles: Hanko and Stripe. Alternatives to each: Hanko, Stripe.

An agent can fetch this as data: POST /v1/compare {"slugs": ["hanko", "stripe"]}