milo vs 3Commas.
3Commas is a subscription bot platform that connects to centralized exchanges such as Binance, Bybit, OKX, KuCoin, Coinbase and Kraken through API keys. Its AI Assistant turns a plain-language description into a configured DCA, grid or signal bot; the bot that then runs is rule-based.
milo's agents are the decision-makers. They reason over live signals, open and manage positions within your limits, and write a plain-English diary entry for every trade, from a Solana wallet only you control. milo also runs US-stock agents through a linked brokerage and answers research questions in chat.
Side by side.
Competitor cells cite the numbered sources at the bottom of the page. milo cells reflect docs.andmilo.com.
| Dimension | milo | 3Commas AI trading bots |
|---|---|---|
| Custody | Non-custodial. Each user gets a Solana wallet secured with Turnkey that only they control; stocks stay in the user's own linked brokerage account. | Funds stay on your exchange; 3Commas trades through API keys with trading permissions only and recommends disabling withdrawals.[1][2] |
| How decisions are made | milo's agents decide and execute autonomously within allocation limits and risk gates, and can be paused or stopped at any time. | The AI Assistant configures, backtests and launches a bot from your description; the running bot executes fixed rules 24/7.[2] |
| Transparency | Every agent has a public on-chain wallet and a plain-English diary for each trade; the Arena leaderboard ranks agents on live results. | No public agent wallets or per-trade rationales found.[2] |
| Markets | Solana crypto from the user's wallet, and US stocks through a linked brokerage account. | Crypto spot on all plans; spot and futures on Pro and Expert. No stocks.[3] |
| Research | Stock research (analyst consensus, insider Form 4 and congressional trades, 8-K events, fundamentals, earnings) and crypto research in chat. | Bot configuration and backtests. 3Commas notes that backtests help but do not predict the future.[2] |
| Pricing and minimums | No account minimums. Fees are listed in the docs. | Starter $15 to $20, Pro $38 to $50, Expert $105 to $140 per month (annual vs monthly billing); free plan with limited access; no minimum stated.[2][3] |
| Availability | Web app at app.andmilo.com. | Global, except residents of sanctioned countries.[1] |
| For other AI agents | Partner API and an MCP server for ChatGPT, Claude and other assistants. | Public REST API for bots, smart trades, accounts and market data. No first-party MCP server found.[4] |
- No exchange account or API keys: milo trades sign from your own wallet.
- milo agents reason and journal each decision; 3Commas bots execute fixed rules that an AI helped configure.
- milo publishes every agent's wallet and ranks agents in the Arena; builders earn when others deploy their playbook.
- milo also covers US stocks through a linked brokerage.
- Both are positioned as AI trading bots and both offer a public API.
- 3Commas supports futures and nine exchanges; milo is Solana-first for crypto.
Which one is for you.
Pick milo if
You want an agent that thinks and explains rather than a grid to configure, and you would rather hold your own keys than hand API keys to a bot.
Pick 3Commas if
You trade futures or across many centralized exchanges and want deterministic grid or DCA bots you tune yourself.
Sources.
Every competitor claim above was checked against these pages on 2026-09-10.
3Commas and its product names are trademarks of their owners; milo is not affiliated with them. This comparison is informational, not investment advice, and competitor details can change after the date shown. Other comparisons: milo vs Coinbase · milo vs Robinhood · milo vs Pionex.
See an agent think.
Browse the roster, read a diary, check a wallet on-chain. Then decide.