How Increase’s scores are calculated

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

• [probe] https://increase.com/llms.txt“PROBE llms.txt: HTTP 200 at https://increase.com/llms.txt # Increase > Increase builds modern banking APIs that enable technology companies to programmatically store, move, and”
• [probe] https://increase.com/documentation.md“PROBE docs-md: HTTP 200 at https://increase.com/documentation.md # Increase Documentation ## Products ### Cards - [3D Secure](https://increase.com/documentation/3d-secure.md): 3D Sec”
• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”

Run the product headlessly / in CI for automationweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”
• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”
• [probe] https://github.com/Increase/increase-cli“official CLI documented at https://github.com/Increase/increase-cli”

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

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Use an official CLIweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [probe] https://github.com/Increase/increase-cli“official CLI documented at https://github.com/Increase/increase-cli”

Drive the product through a documented public APIweight 3

3 (weight) × 9 (quality) × 1.0 (full) = 27.0 of 30 max

• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“You make a `POST /ach_transfers` call with the details of how much you'd like to send and data about the recipient.”
• [claimed-docs] https://increase.com/documentation/webhooks.md“Increase can reach out to your application so that you can take action (such as sending an email alert about the transaction to your user) automatically.”
• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”
• [probe] https://increase.com/llms.txt“PROBE llms.txt: HTTP 200 at https://increase.com/llms.txt # Increase > Increase builds modern banking APIs that enable technology companies to programmatically store, move, and”
• [probe] https://increase.com/documentation.md“PROBE docs-md: HTTP 200 at https://increase.com/documentation.md # Increase Documentation ## Products ### Cards - [3D Secure](https://increase.com/documentation/3d-secure.md): 3D Sec”
• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”
• [probe] https://github.com/Increase/increase-cli“official CLI documented at https://github.com/Increase/increase-cli”
• [community] https://hn.algolia.com/api/v1/items/32828669“User considering Increase for freelancer payments noted appeal: "it says 'ACH transfers', 'Wire transfers', and 'Real-Time Payments'. That covers quite a portion of what freelancers want, unlike e.g. Wise, which is a single method."”
• [community] https://hn.algolia.com/api/v1/items/40161794“"I think this is better than Stripe's abstract everything approach even for people who are not into payments. Stripe has built a very leaky abstraction." (comparing Increase's API design favorably to Stripe)”
• [community] https://hn.algolia.com/api/v1/items/40161794“Increase employee explains value-add: "The actual mechanics of integrating with, say, FedACH... doesn't have a REST API" - Increase builds a REST API abstraction layer on top of raw payment rail protocols like FedACH.”

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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”
• [probe] https://github.com/Increase/increase-cli“official CLI documented at https://github.com/Increase/increase-cli”

Subscribe to events via webhooksweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

• [claimed-docs] https://increase.com/documentation/webhooks.md“Increase can reach out to your application so that you can take action (such as sending an email alert about the transaction to your user) automatically.”
• [claimed-docs] https://increase.com/documentation.md“When a user tries to use their card and Increase has to decide to approve the authorization or not... we'll create a Real-Time Decision object in the API and send you a special real-time webhook.”
• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”
• [probe] https://increase.com/documentation.md“PROBE docs-md: HTTP 200 at https://increase.com/documentation.md # Increase Documentation ## Products ### Cards - [3D Secure](https://increase.com/documentation/3d-secure.md): 3D Sec”
• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“You make a `POST /ach_transfers` call with the details of how much you'd like to send and data about the recipient.”

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 9 (quality) × 1.0 (full) = 18.0 of 20 max

• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”
• [probe] https://increase.com/llms.txt“PROBE llms.txt: HTTP 200 at https://increase.com/llms.txt # Increase > Increase builds modern banking APIs that enable technology companies to programmatically store, move, and”
• [probe] https://increase.com/documentation.md“PROBE docs-md: HTTP 200 at https://increase.com/documentation.md # Increase Documentation ## Products ### Cards - [3D Secure](https://increase.com/documentation/3d-secure.md): 3D Sec”

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://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”

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

Do everything through the API that I can do in the UIweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”
• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“You make a `POST /ach_transfers` call with the details of how much you'd like to send and data about the recipient.”
• [claimed-docs] https://increase.com/documentation/sending-wire-transfers.md“You make a `POST /wire_transfers` call with the details of how much you'd like to send and data about the recipient.”
• [claimed-docs] https://increase.com/documentation/accounts-and-account-numbers.md“You can instantly create multiple Account Numbers for a single Account and manage them programmatically.”
• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“Optionally, transfers can be held for approval by another team member.”
• [claimed-docs] https://increase.com/documentation.md“Increase lets you place a hold on an Account to reserve funds for known future activity. Holds reduce the available balance without moving money, and can be released when they're no longer needed.”
• [probe] https://increase.com/openapi.json“PROBE openapi: HTTP 200 at https://increase.com/openapi.json — contains "openapi" key”

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”
• [claimed-docs] https://increase.com/documentation/accounts-and-account-numbers.md“You can instantly create multiple Account Numbers for a single Account and manage them programmatically.”
• [probe] https://increase.com/documentation.md“PROBE docs-md: HTTP 200 at https://increase.com/documentation.md # Increase Documentation ## Products ### Cards - [3D Secure](https://increase.com/documentation/3d-secure.md): 3D Sec”

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

• [community] https://hn.algolia.com/api/v1/items/32828669“Accounts are with First Internet Bank or Blue Ridge Bank, not Increase itself: https://increase.com/terms - it's white-label banking API, not becoming a bank yourself.”

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) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [claimed-docs] https://increase.com/documentation/webhooks.md“Increase can reach out to your application so that you can take action (such as sending an email alert about the transaction to your user) automatically.”
• [claimed-docs] https://increase.com/documentation.md“When a user tries to use their card and Increase has to decide to approve the authorization or not... we'll create a Real-Time Decision object in the API and send you a special real-time webhook.”
• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“Optionally, transfers can be held for approval by another team member.”
• [claimed-docs] https://increase.com/documentation.md“Increase lets you place a hold on an Account to reserve funds for known future activity. Holds reduce the available balance without moving money, and can be released when they're no longer needed.”
• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”

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

Perform bulk operations across many items at onceweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“You make a `POST /ach_transfers` call with the details of how much you'd like to send and data about the recipient.”
• [claimed-docs] https://increase.com/documentation/sending-wire-transfers.md“You make a `POST /wire_transfers` call with the details of how much you'd like to send and data about the recipient.”
• [claimed-docs] https://increase.com/documentation/accounts-and-account-numbers.md“You can instantly create multiple Account Numbers for a single Account and manage them programmatically.”
• [claimed-docs] https://increase.com/documentation/sandbox.md“Every API and dashboard feature is available in Sandbox. ... you can use special Simulation APIs, which are only available in Sandbox.”

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 4 (quality) × 0.6 (partial) = 7.2 of 30 max

• [claimed-docs] https://increase.com/documentation/webhooks.md“Increase can reach out to your application so that you can take action (such as sending an email alert about the transaction to your user) automatically.”
• [claimed-docs] https://increase.com/documentation.md“When a user tries to use their card and Increase has to decide to approve the authorization or not... we'll create a Real-Time Decision object in the API and send you a special real-time webhook.”
• [claimed-docs] https://increase.com/documentation/sending-ach-transfers.md“Optionally, transfers can be held for approval by another team member.”

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