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How MX’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 Score30/100

Agent-ready 42.8 × 0.30 = 12.84

API quality 44.3 × 0.20 = 8.86

Openness 18.0 × 0.20 = 3.60

Built-in AI 18.7 × 0.15 = 2.80

Automation 10.3 × 0.15 = 1.55

(12.84 + 8.86 + 3.60 + 2.80 + 1.55) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 29.65 ÷ 1.00 = 29.7

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-ready42.8/100×0.30 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.mx.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.mx.com/llms.txt # MX Documentation - [Welcome to the MX Documentation](https://docs.mx.com/index.md) - [Connectivity Overview](https://”
  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”

Run the product headlessly / in CI for automationweight 2

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

  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice. This enables you to subscribe to certain events”
  • [claimed-docs] https://docs.mx.com/products/connectivity/account-aggregation/index.md“MX's ready-made UI that can be embedded in your application to aggregate users' account data by prompting end users to connect to their financial institutions using their credentials”
  • [claimed-docs] https://docs.mx.com/products/connectivity/overview/index.md“Use the Connect Widget and Platform API to let end users connect to their accounts.”

Plug MCP servers into this product so it can use their toolsweight 3

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

  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”
  • [claimed-docs] https://www.mx.com“Provide an experience where consumers can ask about their money in plain language and act on the answer, with every figure pulled from real permissioned data.”

Connect an agent via an official MCP serverweight 3

3 (weight) × 7 (quality) × 1.0 (full) = 21.0 of 30 max

  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”

Use an official CLIweight 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

Drive the product through a documented public APIweight 3

3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max

  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”
  • [probe] https://docs.mx.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.mx.com/llms.txt # MX Documentation - [Welcome to the MX Documentation](https://docs.mx.com/index.md) - [Connectivity Overview](https://”
  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”
  • [claimed-docs] https://docs.mx.com/products/connectivity/overview/index.md“Use the Connect Widget and Platform API to let end users connect to their accounts.”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice. This enables you to subscribe to certain events”

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) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”

Subscribe to events via webhooksweight 2

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

  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice. This enables you to subscribe to certain events”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice.”

Agent-ready = 89.8 ÷ 210 × 100 = 42.8

API quality44.3/100×0.20 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.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”
  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“We offer four test institutions that you can use”
  • [probe] https://docs.mx.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.mx.com/openapi.json, https://docs.mx.com/swagger.json, https://docs.mx.com/api/openapi.json, https://docs.mx.com/.well-known/openapi.json)”

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.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”
  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [probe] https://docs.mx.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.mx.com/openapi.json, https://docs.mx.com/swagger.json, https://docs.mx.com/api/openapi.json, https://docs.mx.com/.well-known/openapi.json)”

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 7 (quality) × 1.0 (full) = 7.0 of 10 max

  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“We offer four test institutions that you can use”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/connect/testing-the-connect-widget.md“To test OAuth in the Connect Widget when it's embedded in a WebView, you must load the financial institution's OAuth window in the device's native browser and properly handle the results.”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”

Rely on versioned APIs with a documented deprecation policyweight 2

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

  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”

API quality = 31.0 ÷ 70 × 100 = 44.3

Openness18.0/100×0.20 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.mx.com/products/connectivity/overview/index.md“Use the Connect Widget and Platform API to let end users connect to their accounts.”
  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”

Export all of my data in open formats and leaveweight 3

3 (weight) × 3 (quality) × 0.6 (partial) = 5.4 of 30 max

  • [claimed-docs] https://docs.mx.com“Share your held data with an FDX open finance platform”
  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”
  • [claimed-docs] https://docs.mx.com/resources/test-platform/index.md“You can download our OpenAPI Specification and import it into Postman to learn more about our API and its request and response payloads.”

Read the product's source under an open licenseweight 2

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

  • [github] https://github.com/mxenabled/openapi“This repository contains the OpenAPI specification for the MX Platform API”

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 = 12.6 ÷ 70 × 100 = 18.0

Built-in AI18.7/100×0.15 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) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.mx.com“Use data-driven intelligence about your customers”
  • [claimed-docs] https://www.mx.com“Personalized financial guidance generated from each consumer's financial data, surfaced in a relevant and timely experience”
  • [claimed-docs] https://www.mx.com“Provide an experience where consumers can ask about their money in plain language and act on the answer, with every figure pulled from real permissioned data.”
  • [claimed-docs] https://www.mx.com“Access account and transaction history all in one view. Use the data to increase multi-product adoption, and build trust.”

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 3 (quality) × 0.6 (partial) = 3.6 of 20 max

  • [claimed-docs] https://docs.mx.com/products/connectivity/account-aggregation/index.md“MX automatically aggregates each `member` approximately every 24 hours.”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice. This enables you to subscribe to certain events”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice.”
  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”

Delegate tasks to a built-in AI assistant inside the productweight 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

Operate the product with natural-language commandsweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

  • [probe] https://docs.mx.com/mcp“official MCP server documented at https://docs.mx.com/mcp”
  • [claimed-docs] https://www.mx.com“Provide an experience where consumers can ask about their money in plain language and act on the answer, with every figure pulled from real permissioned data.”

Built-in AI = 16.8 ÷ 90 × 100 = 18.7

Automation10.3/100×0.15 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) × 4 (quality) × 0.6 (partial) = 7.2 of 30 max

  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice. This enables you to subscribe to certain events”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice.”
  • [claimed-docs] https://docs.mx.com/products/connectivity/account-aggregation/index.md“MX automatically aggregates each `member` approximately every 24 hours.”

Schedule recurring jobs or workflowsweight 2

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

  • [claimed-docs] https://docs.mx.com/products/connectivity/account-aggregation/index.md“MX automatically aggregates each `member` approximately every 24 hours.”
  • [claimed-docs] https://docs.mx.com/resources/webhooks/index.md“MX provides webhooks that send HTTPS POST callback requests to the URL of your choice. This enables you to subscribe to certain events”

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 = 7.2 ÷ 70 × 100 = 10.3