Cofounder Alternatives That Let You Bring Your Own Accounts
Cofounder manages your stack and won't take your model keys or coding-agent subscriptions. The alternatives differ on ownership, approvals, and cost.
Founder, Task Machine
You already pay for the tools an AI-run business needs. A Claude Code or Codex subscription you use every day, a Stripe account with real customers in it, a domain, a repository, maybe an ads account with history. So when a platform offers to run your whole company with AI, the natural question is whether it can use what you already have.
With Cofounder, the answer is mostly no. It models your business as agentic departments across engineering, sales, marketing, design, finance, and operations, and it is broad in what those departments can do. But execution is hosted on Cofounder's side, and you cannot bring your own model key, your Claude Code subscription, or your Codex subscription. You can connect your own codebase, and Cofounder manages your GitHub, Supabase, and Vercel until you graduate and claim them. The subscription you already pay for sits idle while you pay $120 a month for Cofounder Pro on top.
There is a second limitation. Cofounder does have human-in-the-loop control, and it deserves credit for that in a lane full of fire-and-forget loops. But the approval model is a short allow-list of dangerous actions, things like incorporating an LLC or opening a bank account. Everything below that threshold, including outbound email to real prospects and content published under your name, is the platform's call. An approval gate that only triggers on incorporation paperwork works as a safety catch and leaves the daily output to the platform.
What to compare
If either of those limits sent you looking for Cofounder alternatives, feature lists will not settle it, because every platform in this lane claims the same departments. Compare on ownership instead. Three questions do most of the work:
- Can agents use the accounts and subscriptions you already own, or does the platform host its own stack and bill you for usage inside it?
- Where is the approval line drawn, and who drew it? A fixed allow-list of dangerous actions is different from a gate you position yourself, per kind of work.
- What does leaving look like? Work that ran through your own Stripe, repo, and email is portable. Work that ran through the platform's stack is not.
Here is how the field answers.
| Tool | Bring your own accounts | Bring your own model or coding-agent subscription | Approval model | Pricing shape |
|---|---|---|---|---|
| Cofounder | Codebase yes, and it manages GitHub, Supabase, and Vercel until you graduate | No | Fixed allow-list of dangerous actions (LLC incorporation, bank account) | 7-day free trial, then Pro at $120/mo |
| Polsia | Partly. It provisions repositories, databases, and hosting, and you can connect services such as GitHub and Gmail | No | Scheduled operations under general approval | Unpublished subscription plus 3% of customer payments and 20% of ad spend |
| Tenor | Built around a company data layer you bring | No public bring-your-own model claim | Rubrics, permissions, approvals, and exceptions | Request access, no public pricing |
| win.sh | Yes. It connects to accounts you own | No public bring-your-own model claim | Approval gates and an authority matrix per type of work | Monthly budget from $50 to $10,000 with a cap, no revenue share |
| Task Machine | Yes. Agents act through accounts you own | Yes, on a computer you connect, where tamacode uses the model subscriptions you already pay for | Approval and question steps plus verifier checks you place in the workflow, and an autonomy level per kind of work | Flat pricing, no cut of revenue |
Prices and features were checked against each vendor's own pages on 6 October 2026.
The table sorts the lane into three postures. Polsia is the far end of convenience: little to connect because it builds the stack, paid for with fees on sales and ad spend. Cofounder hosts the execution and manages your accounts until you graduate. Tenor builds on your company's data, and only win.sh and Task Machine publish a clear connect-your-own-accounts model.
Where each alternative honestly wins
Polsia wins if your goal is maximum absence: little to connect and a company that, in its words, runs "while you sleep." You need to be comfortable with Polsia collecting your payments as your agent and keeping 3% of each one.
Tenor wins when you are a domain expert building an AI-native service business and want infrastructure for context, workflows, governance, and learning from outcomes. That is a bigger commitment than Cofounder's department roster, and access is by request. The full comparison is in the Tenor alternatives survey.
win.sh is the strongest alternative for the specific complaint that brought you here. It connects to accounts you own, takes no cut, gates risky moves behind approvals, and its authority matrix is a thoughtful answer to how much autonomy to grant. Its bet is autonomy-first: a 24/7 loop that runs before you ask and reports each morning via Telegram. If you want your own accounts and are happy reviewing a daily brief, it fits that preference well.
Cofounder itself, to be fair, remains a reasonable pick if the hosted stack does not bother you. A 7-day free trial makes it easy to try, the department breadth is real, and an AI roadmap gives the work structure. The alternatives matter when ownership does.
Where Task Machine fits
Task Machine extends the ownership question from your accounts to the place where agents run.
Agents run in the Cloud by default. When the work needs your repositories, files, browsers, or CLI tools, they run on a computer you connect, where tamacode uses the model subscriptions you already pay for instead of buying model access again inside a hosted stack. Agents act through accounts you own, so your Stripe stays your Stripe and your email stays your email. You keep 100% of your revenue, Task Machine takes no cut, and it never custodies your accounts.
The approval model is the other structural difference from Cofounder. Instead of a fixed allow-list, approvals are steps you place inside explicit workflows with branch conditions, Human approval and Ask human steps, and verifier checks, with a step-by-step run history you can read afterwards. You decide that outbound email always stops for review, that internal research runs ahead unattended, and that anything touching billing needs an approval, and the workflow enforces it every run. Autonomy is a level you set per kind of work instead of a threshold the vendor picked.
The cost of that model is stated plainly: you connect your own accounts instead of having a stack handed to you, which is more setup than Cofounder's hosted start, and the whole point of an inbox full of approvals is that you show up to answer them.
Who should not pick Task Machine
If Cofounder's hosted model was never your objection, and what you want is the broadest set of departments for one flat subscription, staying with Cofounder is defensible. If you are building an AI-native service business on someone else's infrastructure, Tenor fits better than a control-first work system. If you want your own accounts but prefer a company that runs itself and briefs you each morning, win.sh fits that preference better. And if you want zero setup above all, Polsia removes most of the connecting, at the price of fees on sales and ad spend.
Task Machine is for the founder who wants agents working inside the business they already own, on subscriptions they already pay for, with approval lines they drew themselves.
For the direct side-by-side, read the Task Machine vs Cofounder comparison, or see what switching from Cofounder involves. If bring-your-own-everything is the model you want, start a 7-day trial.