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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.txtPROBE 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.mdPROBE 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-cliofficial CLI documented at https://docs.stripe.com/stripe-cli
  • [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/out-of/outbound-payments.mdOutboundPayment 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.mdUse 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/mcpofficial 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/mcpofficial 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-cliofficial 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.mdCreate financial accounts that can hold funds (`money_manager` configuration)
  • [claimed-docs] https://docs.stripe.com/treasury/connect/moving-money/out-of/outbound-payments.mdOutboundPayment 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.mdYou can authorize third parties to debit funds from a financial account.
  • [claimed-docs] https://docs.stripe.com/treasury/connect/transactions/working-with-transactions.mdUse transactions to build account activity feeds, reconcile against your internal systems, and track money movement through your platform.
  • [probe] https://docs.stripe.com/llms.txtPROBE 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.mdPROBE 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.jsonPROBE 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-cliofficial 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.txtPROBE 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.mdUse 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.mdStripe 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.jsonPROBE 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.mdPROBE 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.txtPROBE 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.jsonPROBE 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/treasuryyou 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.mdRender 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.mdAs 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.mdOutboundPayment 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.mdUse 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.mdStripe 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/mcpofficial 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.mdStripe 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.mdUse 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