How Yapily’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 Score22/100
Agent-ready 44.9 × 0.30 = 13.47
API quality 14.9 × 0.20 = 2.98
Openness 10.3 × 0.20 = 2.06
Built-in AI 8.0 × 0.15 = 1.20
Automation 15.4 × 0.15 = 2.31
(13.47 + 2.98 + 2.06 + 1.20 + 2.31) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 22.02 ÷ 1.00 = 22.0
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-ready44.9/100×0.30 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
- [claimed-docs] https://docs.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
- [claimed-docs] https://docs.yapily.com/llms.txt“Yapily Connect provides a ready-built, white-label open banking UI for AIS and PIS flows. Reduce development effort with pre-built institution selection and consent screens.”
- [probe] https://docs.yapily.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.yapily.com/llms.txt # Yapily API Documentation - [Welcome to Yapily Docs](https://docs.yapily.com/introduction.md): Complete developer docu”
- [probe] https://docs.yapily.com/resources/ai-agents“official MCP server documented at https://docs.yapily.com/resources/ai-agents”
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.yapily.com/resources/sandbox/overview.md“A sandbox is a test environment that allows you to connect your application to a bank and access test accounts to simulate the real Open Banking experience.”
- [claimed-docs] https://docs.yapily.com/resources/client-libraries.md“Generate API client libraries for Yapily in your preferred language using the OpenAPI specification. Supports code generation for Java, Python, Node.js, and more.”
- [claimed-docs] https://docs.yapily.com/tools-and-services/webhooks/introduction.md“Webhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.”
- [claimed-docs] https://docs.yapily.com/getting-started/overview.md“No frontend engineering required for consent and authorisation flows”
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.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
- [probe] https://docs.yapily.com/resources/ai-agents“official MCP server documented at https://docs.yapily.com/resources/ai-agents”
Connect an agent via an official MCP serverweight 3
3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max
- [claimed-docs] https://docs.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
- [probe] https://docs.yapily.com/resources/ai-agents“official MCP server documented at https://docs.yapily.com/resources/ai-agents”
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.yapily.com/resources/client-libraries.md“Generate API client libraries for Yapily in your preferred language using the OpenAPI specification. Supports code generation for Java, Python, Node.js, and more.”
- [claimed-docs] https://docs.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
- [probe] https://docs.yapily.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.yapily.com/llms.txt # Yapily API Documentation - [Welcome to Yapily Docs](https://docs.yapily.com/introduction.md): Complete developer docu”
- [probe] https://docs.yapily.com/resources/ai-agents“official MCP server documented at https://docs.yapily.com/resources/ai-agents”
- [probe] https://docs.yapily.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.yapily.com/openapi.json, https://docs.yapily.com/swagger.json, https://docs.yapily.com/api/openapi.json, https://docs.yapily.com/.well-known/openapi.json)”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can initiate single, scheduled and periodic payments using Yapily's Payments API.”
- [claimed-docs] https://docs.yapily.com/data/overview.md“Using Yapily's Data API you can access your customers' financial data including account balances, transaction history and account details to create personalised financial products and services.”
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) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max
- [claimed-docs] https://docs.yapily.com/resources/client-libraries.md“Generate API client libraries for Yapily in your preferred language using the OpenAPI specification. Supports code generation for Java, Python, Node.js, and more.”
- [probe] https://docs.yapily.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.yapily.com/openapi.json, https://docs.yapily.com/swagger.json, https://docs.yapily.com/api/openapi.json, https://docs.yapily.com/.well-known/openapi.json)”
Subscribe to events via webhooksweight 2
2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max
- [claimed-docs] https://docs.yapily.com/tools-and-services/webhooks/introduction.md“Webhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can track the status of each payment via [Webhooks](/tools-and-services/webhooks/get-started) from the Yapily API for visibility of the payment initiation success.”
Agent-ready = 80.8 ÷ 180 × 100 = 44.9
API quality14.9/100×0.20 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.yapily.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.yapily.com/openapi.json, https://docs.yapily.com/swagger.json, https://docs.yapily.com/api/openapi.json, https://docs.yapily.com/.well-known/openapi.json)”
- [claimed-docs] https://docs.yapily.com/resources/client-libraries.md“Generate API client libraries for Yapily in your preferred language using the OpenAPI specification. Supports code generation for Java, Python, Node.js, and more.”
- [claimed-docs] https://docs.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
Download a machine-readable API spec (OpenAPI or equivalent)weight 2
2 (weight) × 4 (quality) × 0.3 (disputed) = 2.4 of 20 max
- [claimed-docs] https://docs.yapily.com/resources/client-libraries.md“Generate API client libraries for Yapily in your preferred language using the OpenAPI specification. Supports code generation for Java, Python, Node.js, and more.”
- [probe] https://docs.yapily.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.yapily.com/openapi.json, https://docs.yapily.com/swagger.json, https://docs.yapily.com/api/openapi.json, https://docs.yapily.com/.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://docs.yapily.com/resources/sandbox/overview.md“A sandbox is a test environment that allows you to connect your application to a bank and access test accounts to simulate the real Open Banking experience.”
- [claimed-docs] https://docs.yapily.com/tools-and-services/webhooks/introduction.md“Webhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.”
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 = 10.4 ÷ 70 × 100 = 14.9
Openness10.3/100×0.20 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) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max
- [claimed-docs] https://docs.yapily.com/llms.txt“Yapily Connect provides a ready-built, white-label open banking UI for AIS and PIS flows. Reduce development effort with pre-built institution selection and consent screens.”
- [claimed-docs] https://docs.yapily.com/getting-started/overview.md“No frontend engineering required for consent and authorisation flows”
- [claimed-docs] https://docs.yapily.com/data/overview.md“Using Yapily's Data API you can access your customers' financial data including account balances, transaction history and account details to create personalised financial products and services.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can initiate single, scheduled and periodic payments using Yapily's Payments API.”
- [claimed-docs] https://docs.yapily.com/resources/client-libraries.md“Generate API client libraries for Yapily in your preferred language using the OpenAPI specification. Supports code generation for Java, Python, Node.js, and more.”
- [probe] https://docs.yapily.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.yapily.com/openapi.json, https://docs.yapily.com/swagger.json, https://docs.yapily.com/api/openapi.json, https://docs.yapily.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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
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 ÷ 70 × 100 = 10.3
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
- [claimed-docs] https://docs.yapily.com“Categorise and analyse transaction data with merchant detection and spending insights.”
- [claimed-docs] https://docs.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
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://docs.yapily.com“Initiate bank-to-bank payments directly from your customer's account. Single, scheduled, or recurring.”
- [claimed-docs] https://docs.yapily.com“Collect variable recurring payments without re-authorisation each time.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can initiate single, scheduled and periodic payments using Yapily's Payments API.”
- [claimed-docs] https://docs.yapily.com/tools-and-services/webhooks/introduction.md“Webhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can track the status of each payment via [Webhooks](/tools-and-services/webhooks/get-started) from the Yapily API for visibility of the payment initiation success.”
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
- [claimed-docs] https://docs.yapily.com/resources/ai-agents.md“Connect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.”
- [probe] https://docs.yapily.com/resources/ai-agents“official MCP server documented at https://docs.yapily.com/resources/ai-agents”
Built-in AI = 4.8 ÷ 60 × 100 = 8.0
Automation15.4/100×0.15 of the PA blend
Depth of automation primitives — rules, scheduling, bulk operations, webhooks.
Perform bulk operations across many items at onceweight 2
2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max
- [claimed-docs] https://docs.yapily.com/getting-started/overview.md“Choose this when you need payment types Hosted does not yet support (bulk, scheduled, periodic, international)”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can initiate single, scheduled and periodic payments using Yapily's Payments API.”
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.yapily.com/tools-and-services/webhooks/introduction.md“Webhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can track the status of each payment via [Webhooks](/tools-and-services/webhooks/get-started) from the Yapily API for visibility of the payment initiation success.”
Schedule recurring jobs or workflowsweight 2
2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max
- [claimed-docs] https://docs.yapily.com“Initiate bank-to-bank payments directly from your customer's account. Single, scheduled, or recurring.”
- [claimed-docs] https://docs.yapily.com“Collect variable recurring payments without re-authorisation each time.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can initiate single, scheduled and periodic payments using Yapily's Payments API.”
- [claimed-docs] https://docs.yapily.com/getting-started/overview.md“Choose this when you need payment types Hosted does not yet support (bulk, scheduled, periodic, international)”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“You can track the status of each payment via [Webhooks](/tools-and-services/webhooks/get-started) from the Yapily API for visibility of the payment initiation success.”
- [claimed-docs] https://docs.yapily.com/payments/overview.md“Payments are made via local payment rails including Faster Payments in the UK and SEPA in Europe for fast settlement”
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 = 10.8 ÷ 70 × 100 = 15.4