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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.mdConnect 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.txtYapily 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.txtPROBE 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-agentsofficial 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.mdA 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.mdGenerate 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.mdWebhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.
  • [claimed-docs] https://docs.yapily.com/getting-started/overview.mdNo 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.mdConnect 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-agentsofficial 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.mdConnect 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-agentsofficial 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.mdGenerate 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.mdConnect Claude, Cursor, or another AI coding agent directly to these docs via MCP, llms.txt, or Agent Skills.
  • [probe] https://docs.yapily.com/llms.txtPROBE 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-agentsofficial MCP server documented at https://docs.yapily.com/resources/ai-agents
  • [probe] https://docs.yapily.com/openapi.jsonPROBE 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.mdYou can initiate single, scheduled and periodic payments using Yapily's Payments API.
  • [claimed-docs] https://docs.yapily.com/data/overview.mdUsing 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.mdGenerate 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.jsonPROBE 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.mdWebhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou 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.jsonPROBE 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.mdGenerate 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.mdConnect 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.mdGenerate 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.jsonPROBE 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.mdA 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.mdWebhooks 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.txtYapily 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.mdNo frontend engineering required for consent and authorisation flows
  • [claimed-docs] https://docs.yapily.com/data/overview.mdUsing 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.mdYou can initiate single, scheduled and periodic payments using Yapily's Payments API.
  • [claimed-docs] https://docs.yapily.com/resources/client-libraries.mdGenerate 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.jsonPROBE 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.comCategorise and analyse transaction data with merchant detection and spending insights.
  • [claimed-docs] https://docs.yapily.com/resources/ai-agents.mdConnect 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.comInitiate bank-to-bank payments directly from your customer's account. Single, scheduled, or recurring.
  • [claimed-docs] https://docs.yapily.comCollect variable recurring payments without re-authorisation each time.
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou can initiate single, scheduled and periodic payments using Yapily's Payments API.
  • [claimed-docs] https://docs.yapily.com/tools-and-services/webhooks/introduction.mdWebhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou 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.mdConnect 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-agentsofficial 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.mdChoose this when you need payment types Hosted does not yet support (bulk, scheduled, periodic, international)
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou 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.mdWebhooks allows you to receive real-time HTTP notifications of changes happening in the Yapily Platform.
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou 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.comInitiate bank-to-bank payments directly from your customer's account. Single, scheduled, or recurring.
  • [claimed-docs] https://docs.yapily.comCollect variable recurring payments without re-authorisation each time.
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou can initiate single, scheduled and periodic payments using Yapily's Payments API.
  • [claimed-docs] https://docs.yapily.com/getting-started/overview.mdChoose this when you need payment types Hosted does not yet support (bulk, scheduled, periodic, international)
  • [claimed-docs] https://docs.yapily.com/payments/overview.mdYou 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.mdPayments 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