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How TrueLayer’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 Score26/100

Agent-ready 55.0 × 0.30 = 16.50

API quality 4.3 × 0.20 = 0.86

Openness 13.7 × 0.20 = 2.74

Built-in AI 22.0 × 0.15 = 3.30

Automation 18.9 × 0.15 = 2.83

(16.50 + 0.86 + 2.74 + 3.30 + 2.83) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 26.24 ÷ 1.00 = 26.2

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-ready55.0/100×0.30 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) × 9 (quality) × 1.0 (full) = 18.0 of 20 max

  • [probe] https://docs.truelayer.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.truelayer.com/llms.txt # TrueLayer Documentation > TrueLayer Documentation Append .md to any documentation page URL to get its markdown versi”
  • [claimed-docs] https://docs.truelayer.com/llms.txt“Monitor payments and generate reports in Console.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [probe] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai“official MCP server documented at https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai”

Run the product headlessly / in CI for automationweight 2

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

  • [claimed-docs] https://docs.truelayer.com“SDKs for Node.js, Python, Java and .NET.”
  • [claimed-docs] https://docs.truelayer.com/docs/welcome.md“They simplify API calls with easy-to-use interfaces, type-hinted methods and abstractions. They also automate request signing for all Payments POST requests, reducing the need for manual configuration.”
  • [github] https://github.com/TrueLayer/truelayer-signing“Convenient libraries to produce TrueLayer API requests signatures.”
  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-basics.md“The Payments API v3 allows you to make and accept payments and payouts in the UK and EU.”

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

  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“create-truelayer-payment-link` - Generate a new payment link for initiating a payment from a bank account to the TrueLayer merchant account”
  • [probe] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai“official MCP server documented at https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai”

Connect an agent via an official MCP serverweight 3

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

  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“create-truelayer-payment-link` - Generate a new payment link for initiating a payment from a bank account to the TrueLayer merchant account”
  • [probe] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai“official MCP server documented at https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai”

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

  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-basics.md“The Payments API v3 allows you to make and accept payments and payouts in the UK and EU.”
  • [claimed-docs] https://docs.truelayer.com“Read account information, balances and transaction history from a user's bank.”
  • [claimed-docs] https://docs.truelayer.com“SDKs for Node.js, Python, Java and .NET.”
  • [claimed-docs] https://docs.truelayer.com/docs/sign-your-payments-requests.md“The Payments API v3 uses a pair of ECDSA keys in addition to a bearer token.”
  • [claimed-docs] https://docs.truelayer.com/docs/welcome.md“They simplify API calls with easy-to-use interfaces, type-hinted methods and abstractions. They also automate request signing for all Payments POST requests, reducing the need for manual configuration.”
  • [claimed-docs] https://docs.truelayer.com/docs/quickstart-make-a-test-payment.md“you'll create a free UK merchant account and complete your first test payment with the Payments API v3”
  • [probe] https://docs.truelayer.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.truelayer.com/llms.txt # TrueLayer Documentation > TrueLayer Documentation Append .md to any documentation page URL to get its markdown versi”
  • [probe] https://docs.truelayer.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.truelayer.com/openapi.json, https://docs.truelayer.com/swagger.json, https://docs.truelayer.com/api/openapi.json, https://docs.truelayer.com/.well-known/openapi.json)”

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://docs.truelayer.com/llms.txt“Invite users so they can retrieve your integration's client credentials, access the payments view, or issue refunds.”
  • [claimed-docs] https://docs.truelayer.com/docs/sign-your-payments-requests.md“The Payments API v3 uses a pair of ECDSA keys in addition to a bearer token.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“create-truelayer-payment-link` - Generate a new payment link for initiating a payment from a bank account to the TrueLayer merchant account”

Build against official SDKsweight 2

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

  • [claimed-docs] https://docs.truelayer.com“SDKs for Node.js, Python, Java and .NET.”
  • [claimed-docs] https://docs.truelayer.com/docs/welcome.md“They simplify API calls with easy-to-use interfaces, type-hinted methods and abstractions. They also automate request signing for all Payments POST requests, reducing the need for manual configuration.”
  • [claimed-docs] https://docs.truelayer.com/docs/sign-your-payments-requests.md“We offer signing libraries in these languages”
  • [github] https://github.com/TrueLayer/truelayer-signing“Convenient libraries to produce TrueLayer API requests signatures.”

Subscribe to events via webhooksweight 2

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

  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-webhook-reference.md“Webhooks are JSON-format notifications you receive when any event occurs within the Payments API v3.”
  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-webhook-reference.md“webhooks inform you about: when a payment changes to a new status in the authorisation process”
  • [claimed-docs] https://docs.truelayer.com/docs/configure-webhooks-for-your-integration.md“You must validate all incoming webhook requests through the `Tl-Signature` that accompanies the webhook.”
  • [claimed-docs] https://docs.truelayer.com/docs/configure-webhooks-for-your-integration.md“Each of your apps in Console can have a single webhook URI, which the Payments API sends webhooks to.”
  • [claimed-docs] https://docs.truelayer.com/docs/configure-webhooks-for-your-integration.md“We strongly recommend you use our signing libraries to verify the `Tl-Signature` of any webhooks you receive.”

Agent-ready = 99.0 ÷ 180 × 100 = 55.0

API quality4.3/100×0.20 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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [probe] https://docs.truelayer.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.truelayer.com/openapi.json, https://docs.truelayer.com/swagger.json, https://docs.truelayer.com/api/openapi.json, https://docs.truelayer.com/.well-known/openapi.json)”
  • [claimed-docs] https://docs.truelayer.com“SDKs for Node.js, Python, Java and .NET.”
  • [probe] https://docs.truelayer.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.truelayer.com/llms.txt # TrueLayer Documentation > TrueLayer Documentation Append .md to any documentation page URL to get its markdown versi”

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.truelayer.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.truelayer.com/openapi.json, https://docs.truelayer.com/swagger.json, https://docs.truelayer.com/api/openapi.json, https://docs.truelayer.com/.well-known/openapi.json)”

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 5 (quality) × 0.6 (partial) = 3.0 of 10 max

  • [claimed-docs] https://docs.truelayer.com/docs/quickstart-make-a-test-payment.md“you'll create a free UK merchant account and complete your first test payment with the Payments API v3”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [probe] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai“official MCP server documented at https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai”

Rely on versioned APIs with a documented deprecation policyweight 2

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

  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-basics.md“The Payments API v3 allows you to make and accept payments and payouts in the UK and EU.”
  • [claimed-docs] https://docs.truelayer.com/docs/sign-your-payments-requests.md“The Payments API v3 uses a pair of ECDSA keys in addition to a bearer token.”
  • [probe] https://docs.truelayer.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.truelayer.com/openapi.json, https://docs.truelayer.com/swagger.json, https://docs.truelayer.com/api/openapi.json, https://docs.truelayer.com/.well-known/openapi.json)”

API quality = 3.0 ÷ 70 × 100 = 4.3

Openness13.7/100×0.20 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.truelayer.com/docs/payments-api-basics.md“The Payments API v3 allows you to make and accept payments and payouts in the UK and EU.”
  • [claimed-docs] https://docs.truelayer.com/llms.txt“Monitor payments and generate reports in Console.”
  • [claimed-docs] https://docs.truelayer.com/llms.txt“Quickly see your merchant account balances, access balance reports, and configure sweeping.”
  • [claimed-docs] https://docs.truelayer.com/llms.txt“Invite users so they can retrieve your integration's client credentials, access the payments view, or issue refunds.”
  • [claimed-docs] https://docs.truelayer.com/llms.txt“After you create an account, add another layer of security with multi-factor authentication (MFA).”
  • [probe] https://docs.truelayer.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.truelayer.com/openapi.json, https://docs.truelayer.com/swagger.json, https://docs.truelayer.com/api/openapi.json, https://docs.truelayer.com/.well-known/openapi.json)”

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

2 (weight) × 2 (quality) × 0.6 (partial) = 2.4 of 20 max

  • [github] https://github.com/TrueLayer/truelayer-signing“Convenient libraries to produce TrueLayer API requests signatures.”

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 = 9.6 ÷ 70 × 100 = 13.7

Built-in AI22.0/100×0.15 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) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Use the following steps to learn how to create a new payment mandate for your user. You'll need this mandate to set up recurring payments.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-payment-on-a-mandate-1.md“Once you create a payment on an authorised mandate, it executes immediately without requiring further user authorisation.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Payment mandates belong to one of three types: Sweeping VRPs... Wave 1 VRPs... Direct Debits”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-payment-on-a-mandate-1.md“After you create a payment mandate and your user has authorised it, you can create a payment on the mandate... it executes immediately.”
  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-webhook-reference.md“webhooks inform you about: when a payment changes to a new status in the authorisation process”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“create-truelayer-payment-link` - Generate a new payment link for initiating a payment from a bank account to the TrueLayer merchant account”
  • [probe] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai“official MCP server documented at https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai”

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

  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“By integrating the TrueLayer MCP server with this AI assistant, you'd empower Claude AI to perform a range of banking and payment operations on your behalf.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“create-truelayer-payment-link` - Generate a new payment link for initiating a payment from a bank account to the TrueLayer merchant account”
  • [probe] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai“official MCP server documented at https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai”

Built-in AI = 13.2 ÷ 60 × 100 = 22.0

Automation18.9/100×0.15 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://docs.truelayer.com/docs/payments-api-basics.md“The Payments API v3 allows you to make and accept payments and payouts in the UK and EU.”
  • [claimed-docs] https://docs.truelayer.com“Send payments to bank accounts. Covers the API, beneficiary management and reconciliation.”
  • [claimed-docs] https://docs.truelayer.com“Send payouts to bank accounts that have been verified against a user's identity.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Use the following steps to learn how to create a new payment mandate for your user. You'll need this mandate to set up recurring payments.”
  • [claimed-docs] https://docs.truelayer.com/docs/truelayer-mcp-integration-for-claude-ai.md“create-truelayer-payment-link` - Generate a new payment link for initiating a payment from a bank account to the TrueLayer merchant account”

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.truelayer.com/docs/payments-api-webhook-reference.md“Webhooks are JSON-format notifications you receive when any event occurs within the Payments API v3.”
  • [claimed-docs] https://docs.truelayer.com/docs/payments-api-webhook-reference.md“webhooks inform you about: when a payment changes to a new status in the authorisation process”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Use the following steps to learn how to create a new payment mandate for your user. You'll need this mandate to set up recurring payments.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-payment-on-a-mandate-1.md“Once you create a payment on an authorised mandate, it executes immediately without requiring further user authorisation.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Payment mandates belong to one of three types: Sweeping VRPs... Wave 1 VRPs... Direct Debits”
  • [claimed-docs] https://docs.truelayer.com/docs/configure-webhooks-for-your-integration.md“Each of your apps in Console can have a single webhook URI, which the Payments API sends webhooks to.”

Schedule recurring jobs or workflowsweight 2

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

  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Use the following steps to learn how to create a new payment mandate for your user. You'll need this mandate to set up recurring payments.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-payment-on-a-mandate-1.md“Once you create a payment on an authorised mandate, it executes immediately without requiring further user authorisation.”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-mandate.md“Payment mandates belong to one of three types: Sweeping VRPs... Wave 1 VRPs... Direct Debits”
  • [claimed-docs] https://docs.truelayer.com/docs/create-a-payment-on-a-mandate-1.md“After you create a payment mandate and your user has authorised it, you can create a payment on the mandate... it executes immediately.”

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 = 13.2 ÷ 70 × 100 = 18.9