Fo AI agent access is now open to anyone who signs up, and the price of entry is zero. Wajo, the San Francisco start-up behind the Fo AI agent, opened its personal assistant to the public on Monday 28 September 2026 with three tiers: a free Fo Mini plan with a daily task limit, a free but invite-only OG Fo plan with unlimited tasks and call time, and a Pro plan for heavier work that is priced on request. It joins a crowded field of personal AI agents that promise to do errands rather than just answer questions.
The pricing is unusual. Most consumer assistants charge a monthly fee for the version without limits. Wajo gives both of its consumer tiers away and rations the better one by invitation instead. That choice says a lot about where the company is in its life: growing a user base carefully, while every task the Fo AI agent carries out can involve a real phone call, a real payment or a real human helper.
This article explains what the Fo AI agent is, what each tier includes, how the invite system works, what “free” does and does not cover, how the Fo AI agent compares with Meta’s Muse, Instinct and OpenClaw, and what the launch means for anyone weighing up an assistant that can spend money on their behalf.
Table of contents
- What the Fo AI Agent Is and Who Built It
- Fo AI Agent Pricing: Fo Mini, OG Fo and Pro Compared
- How to Get an OG Fo Invite
- What “Free” Covers in the Fo AI Agent
- What You Can Ask the Fo AI Agent to Do
- How the Fo AI Agent Compares With Muse, Instinct and OpenClaw
- Is the Free Fo AI Agent Worth Trying?
- What the Fo AI Agent’s Pricing Means for Businesses
- Fo AI Agent FAQ
- References
What the Fo AI Agent Is and Who Built It
Wajo calls the Fo AI agent an “action agent”. The distinction the company draws is between an assistant that gives you a list of plumbers and one that rings four of them, compares their availability and books the best-rated option. Its homepage puts it simply: “Fo calls, emails, and coordinates with people to get your everyday to-dos done. With human help when the task needs it.”
An agent with its own inbox, phone number and card
The feature that sets the Fo AI agent apart is identity. In the company’s launch post on 25 August, founder Shivani Poddar described agents “that come with their own inbox, phone number, voice, and credit card”. Fo emails from its own address rather than yours, calls businesses from its own number, and pays with a single-use card so that, in Wajo’s words, “your real card details are never shared with the merchant or seen by Fo”.
You reach it the way you would reach a person. Wajo lists group chats, texts, calls and emails, and the company’s posts on X show people messaging Fo over iMessage. Its support page adds that the Fo AI agent can also be connected from ChatGPT or Claude.
Shivani Poddar and the Wajo team
Poddar introduced Fo on X with the line “I led engineering at Google DeepMind.” Her profile on Wajo’s about page says she researched natural language generation, a branch of natural language processing, at Carnegie Mellon, built one of the first social conversation agents for the Alexa Prize, led multimodal AI work at Meta and spent recent years launching frontier models at Google DeepMind and products at Google Labs. Chinese outlet BlockBeats described her as the former engineering lead for Google’s Jules coding agent.
The company is small. Its about page lists eight people besides Poddar, with job titles such as “The Agent Doctor” and “Fo’s Parent/Guardian”. TechCrunch has described Wajo as “Khosla-backed”, and Wajo’s contact address is 625 2nd Street in San Francisco.
From invite-only alpha to public launch
The Fo AI agent did not appear from nowhere on Monday. Wajo published a research post on 13 August about the simulated world it uses to train and test Fo, launched Wajo and the Fo AI agent as an invite-only alpha on 25 August, added calls in other languages on 14 September, and released a benchmark paper on 26 September. The 28 September announcement opened sign-ups to everyone and introduced the tiered pricing.
Six and a half weeks from a research note to a public consumer launch is fast, even by the standards of this year’s agent start-ups.
Fo AI Agent Pricing: Fo Mini, OG Fo and Pro Compared
Wajo sums up its pricing in one line on its homepage: “Start for free. Lift the daily limit with an invite. Talk to us when your work needs more.” The table sets out what each tier included when we checked the page on 30 September.
| Tier | Price | How you get it | What is included |
|---|---|---|---|
| Fo Mini | Free | Sign up | 1,000 tasks per day, with the limit resetting daily |
| OG Fo | Free | Invite only | Unlimited tasks, unlimited call time, group chats with Fo |
| Pro | Contact sales | Talk to Wajo | Heavier workloads, MCP access, custom-built agents |
Fo Mini: the free Fo AI agent, with a daily limit
Fo Mini is the tier anyone can use today. Wajo describes it as “a little help, every day” and lists a single allowance: 1,000 tasks per day, with “your limit resets every day”. That is a generous number for one person’s errands, which suggests the practical limits sit elsewhere, most likely in the call time and group-chat features that the page lists only under OG Fo. Wajo does not say how it counts a task, so an errand that takes several calls and emails may count as more than one.
OG Fo: the unlimited Fo AI agent, but invite only
OG Fo is also free, but you need an invitation. Wajo describes it as “everyday help, without the daily limit” and lists three things: unlimited tasks, unlimited call time and group chats with Fo. The name matters to the company’s marketing. Its “Birthdays with Fo” feature, launched on 26 September, has Fo buy a surprise birthday gift “on the house, on its own card” for its “besties”, and step one of qualifying was being signed up to “the invite only OG Fo”.
Pro: priced on request
The Pro tier is the only one with a price, and the price is “contact us”. It covers “support for heavier workloads”, MCP access and custom-built agents. That links the consumer product to the other half of Wajo’s business, which its homepage pitches as building action agents for companies, from invoice chasing to claims handling and customer care.
How to Get an OG Fo Invite
Because the best version of the Fo AI agent is free but scarce, the real question for most people is how to get an invite. Wajo has used several routes.
The first 1,000 sign-ups
In her launch thread on 28 September, Poddar told followers to “Sign up for Fo (first 1000 people get unlimited access)”. That reads as an early-adopter offer: the first 1,000 people through the door got the unlimited experience without needing a code from someone else. Wajo has not said when that allocation ran out.
Codes and “bring three friends”
During the alpha, Wajo onboarded users “in small batches” and told visitors that “your code puts you at the front”. Existing users could share an invite link, and “anyone who joins on your code skips the line”. Wajo’s birthday campaign asked OG members to “bring your friends. Send invites, add fo to your group chats”, which makes invites a growth engine as much as a gate.
The Wajo Fellow programme
The third route is the Wajo Fellow programme for Autumn 2026, which Wajo describes as “a small group of people who use Fo hard”. Fellows get “Fo, by invitation — full access for your whole term”, event budgets, early access and a trip to the San Francisco office for the most active. In return they post about their Fo tasks and run events. The application involves a written form and an interview.
The $10,000 eBay claim
One story circulating with the launch deserves caution. On 28 September, the X account Whale Insider posted that Wajo had launched Fo and that “an access code for the invite-only SuperFlo agent recently sold for $10,000 on eBay”. The post named the wrong product, and Thai outlet Siam Blockchain reported that it could find no evidence that such a sale took place.
The only eBay link we found from the company itself pointed somewhere else. On 25 September, Poddar joked that people should not “ask @hey__fo to go make money for it’s GPUs”, adding that it had started “flipping domain names” and linking an eBay listing. We could not verify any sale of an OG Fo invitation, so treat the $10,000 figure as unconfirmed.
What "Free" Covers in the Fo AI Agent
Free access to the Fo AI agent does not mean the errands it runs are free. Wajo’s terms of service, last updated on 24 August, separate what you pay Wajo from what you pay the businesses the Fo AI agent deals with.
You still pay for what Fo buys
When the Fo AI agent books a haircut or orders flowers, the merchant still has to be paid. Section 7.4 of the terms describes four ways that happens, from a scoped payment token under newer agent checkout standards to Wajo paying the merchant with “a payment instrument Wajo controls” and then charging you “for reimbursement of the full transaction amount”. Either way, the purchase price comes out of your pocket.
The terms also allow a separate charge: “Wajo may charge a procurement service fee in connection with purchases arranged through the Services, which will be disclosed to you prior to completion of the applicable transaction.” A free plan with a per-purchase fee is a model familiar from delivery apps, and it is worth watching for the first time the Fo AI agent asks you to approve a total.
Calls, email and group chats
What the tiers do give away is the agent’s labour. The homepage example of a plumber booking shows “Actions 4 calls”, completed in 12 minutes, with an “$89 callout approved” by the user before Fo booked. Calls, emails and back-and-forth with businesses are the Fo AI agent’s real work, and they are what Fo Mini meters and OG Fo leaves unlimited.
Human help on Wajo’s tab
The most expensive thing the Fo AI agent can do is hand a task to a person. Wajo says that “when a task needs a human touch, Fo works with trained executive assistants to get it done”. Poddar wrote on 26 September that Fo “finds an expert (on its own dime) if it needs help”, which suggests the human time is not billed to users, at least for now.
What Wajo gets in return
Free products are paid for somehow, and here the answer is partly data. Wajo’s homepage says your data “is never used to train third-party AI models“. Its terms go further on its own use: they license Wajo to use “de-identified and/or aggregated User Content and Input with training algorithms” to improve its services. Poddar also describes the human hand-offs as training material, saying they create “recursive self learning for Fo. It learns how humans complete tasks, making it smarter.”
| Cost | Who pays | Source |
|---|---|---|
| Using Fo Mini or OG Fo | Nobody, at launch | Wajo pricing page |
| The goods or service Fo buys | You, directly or by reimbursing Wajo | Terms, section 7.4 |
| Procurement service fee | You, if charged, disclosed before checkout | Terms, section 7.4 |
| Human assistant time | Wajo, “on its own dime” | Poddar on X |
| Birthday gifts for OG members | Wajo, “on the house” | Wajo on X |
| Pro workloads and custom agents | Business customers, price on request | Wajo pricing page |
What You Can Ask the Fo AI Agent to Do
Wajo’s own examples give a good sense of the job. Its sign-up page runs through ten errands, each with what the Fo AI agent did: calling four plumbers, checking six barbers open on Sunday, holding for a doctor’s front desk, replying to a thread about a deposit, ordering peonies for a birthday, booking a hotel and dinner for an Austin trip, shortlisting five of 24 job openings, chasing a late delivery, buying a carry-on and sunscreen for Lisbon under $200, and cancelling two unwanted subscriptions.
Tasks from the first weeks
The 25 August launch post listed real jobs from the alpha. In its first two weeks, the Fo AI agent had ordered dinner from local delivery apps “in three countries, in four languages, paying with its card”, sent a birthday gift overseas, called a cafe to ask about the wait for a table, booked a blowout, a massage and a haircut, checked a user in for a flight, compared travel insurance for a family of three and renewed a domain registration “in three clicks”.
Calls in other languages
On 14 September Wajo added multi-language support, saying the Fo AI agent could now take instructions “in your language” and “make calls in whatever the other side speaks”. For anyone arranging things abroad, that is one of the more practical features on the list. The homepage counter we saw on 30 September claimed 286 tasks completed in the previous 24 hours, 94 hours “given back” and 17 countries reached.
Business partnerships
Wajo has started to sign partners too. On 31 August it announced a tie-up with Healthy Tiffin for weekly meal ordering, and Poddar said the partnership lets “500,000 people of Indian origin order weekly meals” in under 60 seconds over text or email to Fo. In that flow, Wajo said, “your cart is prepared for review” and “you make the final call”.
How the Fo AI Agent Compares With Muse, Instinct and OpenClaw
The Fo AI agent launches into a field that has filled up quickly. We covered two rivals adding phone calls last week in our piece on AI agent calling, and the comparison below uses only what each company has said publicly.
| Assistant | Access | Calls | Payments | Human back-up |
|---|---|---|---|---|
| Fo (Wajo) | Free Mini tier; free invite-only OG tier | Yes, in multiple languages | Single-use cards and reimbursement | Yes, trained executive assistants |
| Muse (Meta) | Open app, free for most use | Yes, added in September | Asks approval before spending | None advertised |
| Instinct | Invite only | Yes, added in September | Yes; over half of transactions are travel | None advertised |
| OpenClaw | Open source, self-installed | Depends on how you set it up | Depends on how you set it up | None built in |
Muse
Meta’s Muse is the biggest name in the field. It launched in early September, as we reported in our story on Meta Muse, and on 29 September Meta extended it to small businesses with app connectors, covered in our report on Muse for Small Business. Meta says nothing publishes, sends or spends without the user’s approval.
Instinct
Instinct is the closest match to Fo’s invite-only model, and it has far more money. It raised $1 billion at a $10 billion valuation this week, as we covered in our report on the Instinct Series C. Founder Noah Shinn said on a podcast that more than half of the platform’s transactions are travel-related and that it is approaching a billion dollars in annual transactions, according to TechCrunch.
OpenClaw
OpenClaw is the open-source option that many of these products are measured against. Wajo’s own benchmark used it as the comparison point, because, as the paper explains, Muse and Instinct “offer no API or Model Context Protocol (MCP) server”, so there is no way to run them on the same tests.
Is the Free Fo AI Agent Worth Trying?
Free makes trying the Fo AI agent low-risk in money terms. The more important question is whether you trust it with your inbox, your calendar and a card, and there Wajo has published more evidence than most of its rivals.
What Wajo’s benchmark says
Wajo’s paper, “Trust and Task Completion in the World of Consumer AI Agents”, tested the Fo AI agent in a simulated world of invented businesses and people, running every task three times. Fo finished 71% of the errands entirely on its own and “kept the user’s trust on 94% of the trap runs”, meaning it did not email the wrong person, leak a private detail or overspend. On the errands both ran, the open-source OpenClaw finished 42% and kept trust on 74%.
These are Wajo’s own numbers from Wajo’s own test, and the company is open about the limits: its businesses and people are invented, and “we did not measure how often these outcomes happen for real users”. It says it plans to release the test world, tasks and graders as open source so others can check the results.
Risks to weigh before you hand it a card
The terms put responsibility for the Fo AI agent’s actions on you. Section 5.4 says you are responsible for actions taken within the authority you grant “as if you had taken those actions yourself”, and that Wajo “will not have any liability” for losses arising from them. If you do not set spending controls, the terms say Wajo “may act on any instructions it reasonably determines were provided by you”.
Three practical steps follow. Set spending limits in your account before the first purchase. Keep an eye on the approval requests Fo sends, since that is where a procurement fee would show up. And note the dispute window: payment errors should be reported to Wajo “within sixty (60) days of the transaction date”, although your rights with your card issuer run separately. The service is also only for people aged 18 or over, and disputes go to binding individual arbitration for US customers.
What the Fo AI Agent's Pricing Means for Businesses
The consumer tiers are free, but Wajo’s business is not only consumers. Its Pro tier and its homepage pitch point to where the money is meant to come from.
Pro, MCP and custom agents
Wajo’s documentation describes a hosted MCP server that lets tools such as Claude Code, Cursor, ChatGPT and VS Code “connect and drive the Wajo runtime end-to-end”, with API keys for developer tools and sign-in for consumer apps. Business workspaces let “authorized teammates work with shared agents”, with roles deciding who can instruct an agent or approve its actions. The homepage lists examples such as an invoice chasing agent, a recruiting coordinator and a clinic operations manager.
For a company, the useful lesson is how Wajo frames control. Its FAQ says agents can work “in draft-only mode, ask for approval before acting, or handle defined work independently”, and that they are “designed to ask before hard-to-reverse actions”. Those are the same settings any business should insist on before letting AI agents act for its staff, and our guide to AI agent security covers how to scope an agent’s access to company systems.
What the free model tells you about Wajo’s strategy
Giving away unlimited use to invited users only makes sense if the company values growth and data over early revenue, and if it can control costs by controlling who gets in. That is a familiar playbook, but it carries a risk for users: free tiers are the easiest thing to change once a product is established. Anyone building a routine around the Fo AI agent should expect the tiers to evolve, and check the pricing page and terms for changes.
Fo AI Agent FAQ
Is the Fo AI agent free?
Yes, at launch. Fo Mini is free for anyone who signs up, with 1,000 tasks per day. OG Fo is also free but needs an invitation. Anything the Fo AI agent buys for you is paid for by you, and Wajo’s terms allow a procurement service fee that must be disclosed before checkout.
What is the difference between Fo Mini and OG Fo?
Fo Mini has a daily task limit that resets every day. OG Fo removes it and adds unlimited call time and group chats with Fo. The Pro tier adds MCP access and custom agents for heavier work.
How do I get an OG Fo invite?
Wajo said the first 1,000 sign-ups would get unlimited access. After that, existing users can share invite codes, and the Wajo Fellow programme gives full access to a small number of active users for a term.
Can I use the Fo AI agent from ChatGPT or Claude?
Yes. Wajo’s support page says Fo “can be connected from other AI clients, including ChatGPT and Claude”, using your Wajo account. Disconnecting Fo inside that product revokes its access.
Did someone pay $10,000 for a Fo AI agent invite?
We found no evidence of it. The claim came from a single post on X that named the wrong product, and a later report found no confirmation of the sale.
References
Wajo: Meet Fo, pricing and FAQ
Trust and Task Completion in the World of Consumer AI Agents (blog)
Trust and Task Completion in the World of Consumer AI Agents (arXiv)
Shivani Poddar’s launch thread
Wajo’s launch announcement on X
Instinct founder said more than 50% of transactions on the platform are travel-related
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