| Product shape | AI Gateway + free TDE desktop / My Loop | AI-first IDE (VS Code fork) + Agent UI + Cloud Agents + Automations |
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| Entry paid seat | From $20/mo (Pass + Sync bundle) | Pro $20/mo (IDE + Agent + included usage pools) |
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| What $20 buys | Flat monthly gateway access + Sync — open coding models | $20 Other Models pool at API rates + Cursor Models pool + Cloud Agents |
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| When you exceed | Fair-use slowdown — work is not cut off | On-demand pay-as-you-go at API rates, or upgrade Pro+ / Ultra |
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| Daily Agent reality | Sized routines: Pro for individual use → Max for several agents → Ultra for multi-project fleets | Cursor docs: daily Agent users often $60–$100/mo total; power users $200+ |
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| Agentic surface | My Loop pipeline, worktrees, gates — terminal-native loop | In-editor Agent, Tab, Composer, Cloud Agents, Automations |
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| Model catalog | Curated open coding set (Kimi, DeepSeek, GLM, MiniMax, MiMo, GPT-OSS; Kimi K3 on Ultra) | Frontier Anthropic / OpenAI / Google / SpaceXAI + Cursor Grok & Composer |
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| Protocols | Anthropic Messages + OpenAI Responses on cloud.tde.sh | Built-in Cursor routing; OpenAI-compatible BYOK / custom base URL supported |
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| Use them together | Yes — point Cursor’s OpenAI-compatible override at the Pass gateway | Yes — keep the IDE; route open-model spend through Pass when you want flat rate |
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| Privacy claim | Third-party open-weight hosts under Pass — not Anthropic/OpenAI ZDR | Privacy mode available; frontier traffic still hits provider / Cursor infrastructure |
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| Team | Enterprise Org Brain add-on (separate SKU) | Teams $40–$120/user/mo · Enterprise custom |
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