How Column’s scores are calculated
The full audit trail, recomputed from the verdict data at build time through the same code that produced the leaderboard: verdict × quality × story weight per cell, cells sum to dimension scores, dimensions blend into the PA Score. Every number on the product page is reproducible from this page alone; for why the formula looks like this, see the methodology.
verdict factors: full ×1.0 · partial ×0.6 · disputed ×0.3 · none ×0.0 · n/a excluded from both sides · cell points = weight × quality × factor · cell max = weight × 10
PA Score31/100
Agent-ready 38.9 × 0.30 = 11.67
API quality 45.7 × 0.20 = 9.14
Openness 49.6 × 0.20 = 9.92
Built-in AI 0.0 × 0.15 = 0.00
Automation 0.0 × 0.15 = 0.00
(11.67 + 9.14 + 9.92 + 0.00 + 0.00) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 30.73 ÷ 1.00 = 30.7
Scores are stored to 1 decimal; the product page’s pills round to whole numbers for display. Each dimension below shows the stories, verdicts, and cited evidence behind its number.
Agent-ready38.9/100×0.30 of the PA blend
Outside-in: can YOUR agent reach and drive this product — API, MCP, CLI, headless runs, agent docs.
Point an agent at llms.txt or agent-oriented docsweight 2
2 (weight) × 9 (quality) × 1.0 (full) = 18.0 of 20 max
- [probe] https://docs.column.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.column.com/llms.txt # Column Documentation > Column N.A. is the first nationally chartered bank created to serve developers and builders, o”
- [probe] https://docs.column.com/openapi.json“PROBE openapi: HTTP 200 at https://docs.column.com/openapi.json — contains "openapi" key”
- [claimed-docs] https://docs.column.com/markdown/guides/getting-started.md“we are going to build a basic payment workflow consisting of a wire, a book transfer, and an ACH credit”
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
Run the product headlessly / in CI for automationweight 2
2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max
- [claimed-docs] https://docs.column.com/markdown/guides/sandbox-and-testing.md“To simulate an incoming transfer, or just to set an initial balance on your account, you can use the `/simulate/receive-wire` endpoint. To simulate incoming ACHs, we have a `/simulate/receive-ach-credit` and a `/simulate/receive-ach-debit` endpoint.”
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [probe] https://docs.column.com/openapi.json“PROBE openapi: HTTP 200 at https://docs.column.com/openapi.json — contains "openapi" key”
- [community] https://news.ycombinator.com/item?id=31109170“Engineer at Column: 'we have definitely considered creating SDK's but most of our customers prefer the HTTP API's, which will likely remain the best way to use Column for a while.'”
Plug MCP servers into this product so it can use their toolsweight 3
n/a — not applicable to this product: excluded from numerator and denominator
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Connect an agent via an official MCP serverweight 3
3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [probe] https://docs.column.com/openapi.json“PROBE openapi: HTTP 200 at https://docs.column.com/openapi.json — contains "openapi" key”
Use an official CLIweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [community] https://news.ycombinator.com/item?id=31109170“Engineer at Column: 'we have definitely considered creating SDK's but most of our customers prefer the HTTP API's, which will likely remain the best way to use Column for a while.'”
Drive the product through a documented public APIweight 3
3 (weight) × 9 (quality) × 1.0 (full) = 27.0 of 30 max
- [claimed-docs] https://docs.column.com/markdown/api.md“Query transfers across all payment types from a single unified endpoint.”
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [probe] https://docs.column.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.column.com/llms.txt # Column Documentation > Column N.A. is the first nationally chartered bank created to serve developers and builders, o”
- [probe] https://docs.column.com/openapi.json“PROBE openapi: HTTP 200 at https://docs.column.com/openapi.json — contains "openapi" key”
- [community] https://news.ycombinator.com/item?id=31109170“Engineer at Column: 'we have definitely considered creating SDK's but most of our customers prefer the HTTP API's, which will likely remain the best way to use Column for a while.'”
Issue scoped/least-privilege API credentials for an agentweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Build against official SDKsweight 2
2 (weight) × 3 (quality) × 0.3 (disputed) = 1.8 of 20 max
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [community] https://news.ycombinator.com/item?id=31109170“Engineer at Column: 'we have definitely considered creating SDK's but most of our customers prefer the HTTP API's, which will likely remain the best way to use Column for a while.'”
Subscribe to events via webhooksweight 2
2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max
- [claimed-docs] https://docs.column.com/markdown/working-with-the-api/events-and-webhooks.md“You can configure webhook endpoints via APIs or Dashboard in your platform to be notified about events from Column.”
Agent-ready = 70.0 ÷ 180 × 100 = 38.9
API quality45.7/100×0.20 of the PA blend
The programmable surface once an agent is there — machine-readable spec, interactive docs, sandbox, versioning discipline.
Explore an interactive API reference with runnable examplesweight 2
2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max
- [claimed-docs] https://docs.column.com/markdown/guides/sandbox-and-testing.md“To simulate an incoming transfer, or just to set an initial balance on your account, you can use the `/simulate/receive-wire` endpoint. To simulate incoming ACHs, we have a `/simulate/receive-ach-credit` and a `/simulate/receive-ach-debit` endpoint.”
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [probe] https://docs.column.com/openapi.json“PROBE openapi: HTTP 200 at https://docs.column.com/openapi.json — contains "openapi" key”
- [probe] https://docs.column.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.column.com/llms.txt # Column Documentation > Column N.A. is the first nationally chartered bank created to serve developers and builders, o”
Download a machine-readable API spec (OpenAPI or equivalent)weight 2
2 (weight) × 9 (quality) × 1.0 (full) = 18.0 of 20 max
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [probe] https://docs.column.com/openapi.json“PROBE openapi: HTTP 200 at https://docs.column.com/openapi.json — contains "openapi" key”
Test against a sandbox environment without touching production dataweight 1
1 (weight) × 8 (quality) × 1.0 (full) = 8.0 of 10 max
- [claimed-docs] https://docs.column.com/markdown/guides/sandbox-and-testing.md“To simulate an incoming transfer, or just to set an initial balance on your account, you can use the `/simulate/receive-wire` endpoint. To simulate incoming ACHs, we have a `/simulate/receive-ach-credit` and a `/simulate/receive-ach-debit` endpoint.”
- [community] https://news.ycombinator.com/item?id=31109170“Feedback to Column: nit that the uptime status page (status.column.com) defaults to 'Sandbox' instead of Production, which 'can mislead a reader in a hurry if the Sandbox environment is having woes but Production is fine'; also a typo 'sweet' should be 'sweep' on column.com/bank-accounts.”
Rely on versioned APIs with a documented deprecation policyweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
API quality = 32.0 ÷ 70 × 100 = 45.7
Openness49.6/100×0.20 of the PA blend
Can you leave, inspect, or self-host — data export, open source, portability.
Do everything through the API that I can do in the UIweight 2
2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max
- [claimed-docs] https://docs.column.com/markdown/guides/bank-accounts.md“Programmatically open and manage FDIC insured bank accounts at Column on behalf of your customers. We support FBO, sweep, clearing and custom account types.”
- [claimed-docs] https://docs.column.com/markdown/checks.md“Column provides customers the ability to issue and deposit checks through our APIs.”
- [claimed-docs] https://docs.column.com/markdown/international-wires.md“Via our APIs, you can send and receive international transfers through the SWIFT network.”
- [claimed-docs] https://docs.column.com/markdown/realtime.md“Column enables you to immediately send funds, receive funds, and request payment (RFP) through both the Federal Reserve's FedNow Service and The Clearing House's RTP® network.”
- [claimed-docs] https://docs.column.com/markdown/working-with-the-api/events-and-webhooks.md“You can configure webhook endpoints via APIs or Dashboard in your platform to be notified about events from Column.”
- [claimed-docs] https://docs.column.com/markdown/api.md“Query transfers across all payment types from a single unified endpoint.”
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [community] https://news.ycombinator.com/item?id=31109170“Engineer at Column: 'we have definitely considered creating SDK's but most of our customers prefer the HTTP API's, which will likely remain the best way to use Column for a while.'”
Export all of my data in open formats and leaveweight 3
3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max
- [claimed-docs] https://docs.column.com/markdown/guides/reporting.md“Column provides the following reports: `bank_account_transaction` and `bank_account_summary`. All reports are available in CSV, JSON, and Parquet formats.”
- [claimed-docs] https://docs.column.com/markdown/wire.md“we receive full raw data for all domestic and international wires. You can access the raw message for domestic wires using our get wire transfer API endpoint”
- [claimed-docs] https://docs.column.com“Column's API is defined by an OpenAPI spec (also available as JSON). Use it to generate type-safe client SDKs in any language”
- [claimed-docs] https://docs.column.com/markdown/api.md“Query transfers across all payment types from a single unified endpoint.”
Read the product's source under an open licenseweight 2
n/a — not applicable to this product: excluded from numerator and denominator
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Self-host the core productweight 3
n/a — not applicable to this product: excluded from numerator and denominator
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Openness = 24.8 ÷ 50 × 100 = 49.6
Built-in AI0.0/100×0.15 of the PA blend
Inside-out: how agentic the product itself is for its users — built-in assistants, autonomous features.
Get AI-generated insights and suggestions from my data inside the productweight 2
n/a — not applicable to this product: excluded from numerator and denominator
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Set up automations that run autonomously in the backgroundweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Delegate tasks to a built-in AI assistant inside the productweight 3
n/a — not applicable to this product: excluded from numerator and denominator
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Operate the product with natural-language commandsweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Built-in AI = 0.0 ÷ 40 × 100 = 0.0
Automation0.0/100×0.15 of the PA blend
Depth of automation primitives — rules, scheduling, bulk operations, webhooks.
Perform bulk operations across many items at onceweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Define rules that trigger actions automatically on eventsweight 3
3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max
- [claimed-docs] https://docs.column.com/markdown/working-with-the-api/events-and-webhooks.md“You can configure webhook endpoints via APIs or Dashboard in your platform to be notified about events from Column.”
Schedule recurring jobs or workflowsweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Version, review, and roll back my automationsweight 1
n/a — not applicable to this product: excluded from numerator and denominator
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Automation = 0.0 ÷ 70 × 100 = 0.0