How Stripe Treasury’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 Score17/100
Agent-ready 44.0 × 0.30 = 13.20
API quality 0.0 × 0.20 = 0.00
Openness 14.4 × 0.20 = 2.88
Built-in AI 8.0 × 0.15 = 1.20
Automation 0.0 × 0.15 = 0.00
(13.20 + 0.00 + 2.88 + 1.20 + 0.00) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 17.28 ÷ 1.00 = 17.3
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-ready44.0/100×0.30 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) × 8 (quality) × 1.0 (full) = 16.0 of 20 max
- [probe] https://docs.stripe.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.stripe.com/llms.txt # Stripe Documentation When installing Stripe packages, always check the npm registry for the latest version rather tha”
- [probe] https://docs.stripe.com/treasury.md“PROBE docs-md: HTTP 200 at https://docs.stripe.com/treasury.md # Treasury Learn how to securely manage money with a financial account. Looking to offer Treasury to your connected ac”
Run the product headlessly / in CI for automationweight 2
2 (weight) × 3 (quality) × 0.6 (partial) = 3.6 of 20 max
- [probe] https://docs.stripe.com/stripe-cli“official CLI documented at https://docs.stripe.com/stripe-cli”
- [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/out-of/outbound-payments.md“OutboundPayment objects represent push-based transfers from: A platform’s financial accounts to a financial account owned by connected accounts.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/transactions/working-with-transactions.md“Use transactions to build account activity feeds, reconcile against your internal systems, and track money movement through your platform.”
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
- [probe] https://docs.stripe.com/mcp“official MCP server documented at https://docs.stripe.com/mcp”
Connect an agent via an official MCP serverweight 3
3 (weight) × 6 (quality) × 1.0 (full) = 18.0 of 30 max
- [probe] https://docs.stripe.com/mcp“official MCP server documented at https://docs.stripe.com/mcp”
Use an official CLIweight 2
2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max
- [probe] https://docs.stripe.com/stripe-cli“official CLI documented at https://docs.stripe.com/stripe-cli”
Drive the product through a documented public APIweight 3
3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max
- [claimed-docs] https://docs.stripe.com/treasury/connect/build-an-integration.md“Create financial accounts that can hold funds (`money_manager` configuration)”
- [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/out-of/outbound-payments.md“OutboundPayment objects represent push-based transfers from: A platform’s financial accounts to a financial account owned by connected accounts.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/received-debits.md“You can authorize third parties to debit funds from a financial account.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/transactions/working-with-transactions.md“Use transactions to build account activity feeds, reconcile against your internal systems, and track money movement through your platform.”
- [probe] https://docs.stripe.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.stripe.com/llms.txt # Stripe Documentation When installing Stripe packages, always check the npm registry for the latest version rather tha”
- [probe] https://docs.stripe.com/treasury.md“PROBE docs-md: HTTP 200 at https://docs.stripe.com/treasury.md # Treasury Learn how to securely manage money with a financial account. Looking to offer Treasury to your connected ac”
- [probe] https://docs.stripe.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)”
- [probe] https://docs.stripe.com/stripe-cli“official CLI documented at https://docs.stripe.com/stripe-cli”
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) × 0.6 (partial) = 3.6 of 20 max
- [probe] https://docs.stripe.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.stripe.com/llms.txt # Stripe Documentation When installing Stripe packages, always check the npm registry for the latest version rather tha”
Subscribe to events via webhooksweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [claimed-docs] https://docs.stripe.com/treasury/connect/transactions/working-with-transactions.md“Use transactions to build account activity feeds, reconcile against your internal systems, and track money movement through your platform.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/fraud-guide.md“Stripe runs automatic risk controls that help reduce your fraud exposure within Treasury and Issuing without requiring action to enable.”
Agent-ready = 79.2 ÷ 180 × 100 = 44.0
API quality0.0/100×0.20 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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://docs.stripe.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)”
- [probe] https://docs.stripe.com/treasury.md“PROBE docs-md: HTTP 200 at https://docs.stripe.com/treasury.md # Treasury Learn how to securely manage money with a financial account. Looking to offer Treasury to your connected ac”
- [probe] https://docs.stripe.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.stripe.com/llms.txt # Stripe Documentation When installing Stripe packages, always check the npm registry for the latest version rather tha”
Download a machine-readable API spec (OpenAPI or equivalent)weight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://docs.stripe.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)”
Test against a sandbox environment without touching production dataweight 1
1 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 10 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
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 = 0.0 ÷ 70 × 100 = 0.0
Openness14.4/100×0.20 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) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max
- [claimed-docs] https://docs.stripe.com/treasury“you can access your financial account on the Treasury page in the Stripe Dashboard or from the Dashboard mobile app”
- [claimed-docs] https://docs.stripe.com/treasury/connect/prebuilt-embedded-finance.md“Render Stripe financial account features such as bill pay, issuing, and cash rewards as a branded UI in your platform application while avoiding custom coding and compliance reviews.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/fund-a-financial-account.md“As the platform, you can move money from your payments [Balance] to your financial accounts or from your connected accounts’ payments balance to their financial accounts.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/out-of/outbound-payments.md“OutboundPayment objects represent push-based transfers from: A platform’s financial accounts to a financial account owned by connected accounts.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/transactions/working-with-transactions.md“Use transactions to build account activity feeds, reconcile against your internal systems, and track money movement through your platform.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/fraud-guide.md“Stripe runs automatic risk controls that help reduce your fraud exposure within Treasury and Issuing without requiring action to enable.”
Export all of my data in open formats and leaveweight 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
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 = 7.2 ÷ 50 × 100 = 14.4
Built-in AI8.0/100×0.15 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
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
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) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max
- [probe] https://docs.stripe.com/mcp“official MCP server documented at https://docs.stripe.com/mcp”
Built-in AI = 4.8 ÷ 60 × 100 = 8.0
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.stripe.com/treasury/connect/fraud-guide.md“Stripe runs automatic risk controls that help reduce your fraud exposure within Treasury and Issuing without requiring action to enable.”
- [claimed-docs] https://docs.stripe.com/treasury/connect/transactions/working-with-transactions.md“Use transactions to build account activity feeds, reconcile against your internal systems, and track money movement through your platform.”
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