How Teller’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 Score13/100

Agent-ready 20.4 × 0.30 = 6.12

API quality 11.4 × 0.20 = 2.28

Openness 16.3 × 0.20 = 3.26

Built-in AI 8.0 × 0.15 = 1.20

Automation 0.0 × 0.15 = 0.00

(6.12 + 2.28 + 3.26 + 1.20 + 0.00) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 12.86 ÷ 1.00 = 12.9

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-ready20.4/100×0.30 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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[probe] https://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”

Run the product headlessly / in CI for automationweight 2

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

[claimed-docs] https://teller.io/docs/api/authentication.md“The Teller API uses mTLS to authenticate the API caller. Teller issues client certificates that you use to connect to the Teller API.”
[claimed-docs] https://teller.io/docs/guides/environments.md“The sandbox environment uses simulated data and never connects to real financial institutions.”
[claimed-docs] https://teller.io/docs/guides/sandbox.md“`otp` () - Will follow an OTP MFA flow whereby the user will be asked to select a contact to send an OTP code. The correct code is `0000`”
[community] https://hn.algolia.com/api/v1/items/14605342“I built a little script to export my accounts to CSV/QIF. Super easy to use API! https://github.com/scottrobertson/teller-export”

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

[probe] https://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”
[github] https://github.com/tellerhq/teller-connect-react“React hook and component for integrating with Teller Connect”

Drive the product through a documented public APIweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

[claimed-docs] https://teller.io/docs/api/account/balances.md“The account balances API provides your application with live, real-time account balances.”
[claimed-docs] https://teller.io/docs/api/account/transactions.md“The transactions API exposes the ledger transactions of a financial account.”
[claimed-docs] https://teller.io/docs/api/identity.md“Identity provides you with all of the accounts the end-user granted your application access authorization along with beneficial owner identity information for each of them.”
[claimed-docs] https://teller.io/docs/api/account/payments.md“The payments resource allows you to send payments to yourself or a 3rd party on behalf of the end-user from their account. Currently the only supported payment scheme is Zelle”
[claimed-docs] https://teller.io/docs/api/authentication.md“The Teller API uses mTLS to authenticate the API caller. Teller issues client certificates that you use to connect to the Teller API.”
[claimed-docs] https://teller.io/docs/api/account/payments.md“This endpoint supports idempotent requests.”
[claimed-docs] https://teller.io/docs/api/account/transactions.md“the transactions list endpoint supports pagination controls.”
[probe] https://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”
[community] https://hn.algolia.com/api/v1/items/14605342“I built a little script to export my accounts to CSV/QIF. Super easy to use API! https://github.com/scottrobertson/teller-export”

Issue scoped/least-privilege API credentials for an agentweight 2

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

[claimed-docs] https://teller.io/docs/api/authentication.md“The Teller API uses mTLS to authenticate the API caller. Teller issues client certificates that you use to connect to the Teller API.”
[claimed-docs] https://teller.io/docs/api/authentication.md“The Teller API uses mTLS to authenticate the API caller”
[claimed-docs] https://teller.io/docs/api/identity.md“Identity provides you with all of the accounts the end-user granted your application access authorization along with beneficial owner identity information for each of them.”
[claimed-docs] https://teller.io/docs/api/identity.md“Identity provides you with all of the accounts the end-user granted your application access authorization along with beneficial owner identity information”
[claimed-docs] https://teller.io/docs/guides/environments.md“**100 enrollment limit** — An enrollment represents one bank login, which may include multiple accounts”

Build against official SDKsweight 2

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

[github] https://github.com/tellerhq/teller-connect-react“React hook and component for integrating with Teller Connect”
[claimed-docs] https://teller.io/docs“Learn about Teller Connect and how to integrate and customize it for you application.”
[claimed-docs] https://teller.io/docs/api/authentication.md“The Teller API uses mTLS to authenticate the API caller. Teller issues client certificates that you use to connect to the Teller API.”
[probe] https://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”

Subscribe to events via webhooksweight 2

2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max

[claimed-docs] https://teller.io/docs/api/webhooks.md“To register a new webhook, you need to have a URL in your app that Teller can call. You can configure a new webhook from the Teller Dashboard”
[claimed-docs] https://teller.io/docs/api/webhooks.md“Teller sends webhook events when specific conditions or changes are detected in user enrollments or their financial data.”

Agent-ready = 36.8 ÷ 180 × 100 = 20.4

API quality11.4/100×0.20 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://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”
[claimed-docs] https://teller.io/docs“Learn about Teller Connect and how to integrate and customize it for you application.”

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://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”

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://teller.io/docs/guides/environments.md“The sandbox environment uses simulated data and never connects to real financial institutions.”
[claimed-docs] https://teller.io/docs/guides/sandbox.md“`otp` () - Will follow an OTP MFA flow whereby the user will be asked to select a contact to send an OTP code. The correct code is `0000`”
[claimed-docs] https://teller.io/docs/guides/environments.md“**100 enrollment limit** — An enrollment represents one bank login, which may include multiple accounts”

Rely on versioned APIs with a documented deprecation policyweight 2

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

[probe] https://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”

API quality = 8.0 ÷ 70 × 100 = 11.4

Openness16.3/100×0.20 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) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

[claimed-docs] https://teller.io/docs/api/account/balances.md“The account balances API provides your application with live, real-time account balances.”
[claimed-docs] https://teller.io/docs/api/account/transactions.md“The transactions API exposes the ledger transactions of a financial account.”
[claimed-docs] https://teller.io/docs/api/identity.md“Identity provides you with all of the accounts the end-user granted your application access authorization along with beneficial owner identity information for each of them.”
[claimed-docs] https://teller.io/docs/api/account/payments.md“The payments resource allows you to send payments to yourself or a 3rd party on behalf of the end-user from their account. Currently the only supported payment scheme is Zelle”
[claimed-docs] https://teller.io/docs/api/account/details.md“To access account details from these institutions, you can implement the 'Verify Account Details via Microdeposit' flow.”
[claimed-docs] https://teller.io/docs/api/webhooks.md“To register a new webhook, you need to have a URL in your app that Teller can call. You can configure a new webhook from the Teller Dashboard”
[claimed-docs] https://teller.io/docs“Learn about Teller Connect and how to integrate and customize it for you application.”

Export all of my data in open formats and leaveweight 3

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

[community] https://hn.algolia.com/api/v1/items/14605342“I built a little script to export my accounts to CSV/QIF. Super easy to use API! https://github.com/scottrobertson/teller-export”
[claimed-docs] https://teller.io/docs/api/account/balances.md“The account balances API provides your application with live, real-time account balances.”
[claimed-docs] https://teller.io/docs/api/account/transactions.md“The transactions API exposes the ledger transactions of a financial account.”
[claimed-docs] https://teller.io/docs/api/identity.md“Identity provides you with all of the accounts the end-user granted your application access authorization along with beneficial owner identity information”

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/tellerhq/teller-connect-react“React hook and component for integrating with Teller Connect”
[community] https://news.ycombinator.com/item?id=14605342“I'd much prefer that this were just open source so I don't have to share my bank credentials.”

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 = 11.4 ÷ 70 × 100 = 16.3

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

[claimed-docs] https://teller.io/docs/api/webhooks.md“To register a new webhook, you need to have a URL in your app that Teller can call. You can configure a new webhook from the Teller Dashboard”
[claimed-docs] https://teller.io/docs/api/webhooks.md“Teller sends webhook events when specific conditions or changes are detected in user enrollments or their financial data.”

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

[probe] https://teller.io/llms.txt“PROBE llms.txt: HTTP 404 at https://teller.io/llms.txt”
[probe] https://teller.io/docs.md“PROBE docs-md: HTTP 404 at https://teller.io/docs.md”
[probe] https://teller.io/openapi.json“PROBE openapi: all candidate paths 404 (https://teller.io/openapi.json, https://teller.io/swagger.json, https://teller.io/api/openapi.json, https://teller.io/.well-known/openapi.json)”

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

[claimed-docs] https://teller.io/docs/api/account/transactions.md“the transactions list endpoint supports pagination controls.”
[claimed-docs] https://teller.io/docs/api/account/payments.md“This endpoint supports idempotent requests.”
[claimed-docs] https://teller.io/docs/api/account/payments.md“The payments resource allows you to send payments to yourself or a 3rd party on behalf of the end-user from their account. Currently the only supported payment scheme is Zelle”
[claimed-docs] https://teller.io/docs/api/account/transactions.md“The transactions API exposes the ledger transactions of a financial account.”

Define rules that trigger actions automatically on eventsweight 3

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

[claimed-docs] https://teller.io/docs/api/webhooks.md“To register a new webhook, you need to have a URL in your app that Teller can call. You can configure a new webhook from the Teller Dashboard”
[claimed-docs] https://teller.io/docs/api/webhooks.md“Teller sends webhook events when specific conditions or changes are detected in user enrollments or their financial data.”

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