How BVNK’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 Score19/100
Agent-ready 36.0 × 0.30 = 10.80
API quality 15.1 × 0.20 = 3.02
Openness 12.0 × 0.20 = 2.40
Built-in AI 8.0 × 0.15 = 1.20
Automation 13.5 × 0.15 = 2.02
(10.80 + 3.02 + 2.40 + 1.20 + 2.02) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 19.44 ÷ 1.00 = 19.4
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-ready36.0/100×0.30 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) × 8 (quality) × 1.0 (full) = 16.0 of 20 max
- [probe] https://docs.bvnk.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.bvnk.com/llms.txt # BVNK API Documentation > Complete API documentation for BVNK payment infrastructure—crypto payments, wallets, and fin”
- [claimed-docs] https://docs.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
- [claimed-docs] https://docs.bvnk.com/llms.txt“As a partner, you can add a markup fee to your customers' transactions, enabling you to collect additional revenue from your customers.”
Run the product headlessly / in CI for automationweight 2
2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max
- [claimed-docs] https://docs.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.md“Webhooks provide real-time, automated notifications for changes in your BVNK account.”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/payment-sim.md“The sandbox environment provides a consistent simulation experience for pay-ins and payouts across all customer accounts.”
- [probe] https://github.com/bvnk/agent-wallet-cli“official CLI documented at https://github.com/bvnk/agent-wallet-cli”
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
- [probe] https://github.com/bvnk/agent-wallet-cli“official CLI documented at https://github.com/bvnk/agent-wallet-cli”
- [claimed-docs] https://docs.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
Connect an agent via an official MCP serverweight 3
3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max
- [claimed-docs] https://docs.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.md“Webhooks provide real-time, automated notifications for changes in your BVNK account.”
- [probe] https://github.com/bvnk/agent-wallet-cli“official CLI documented at https://github.com/bvnk/agent-wallet-cli”
Use an official CLIweight 2
2 (weight) × 3 (quality) × 0.6 (partial) = 3.6 of 20 max
- [probe] https://github.com/bvnk/agent-wallet-cli“official CLI documented at https://github.com/bvnk/agent-wallet-cli”
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.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/set-up-wallets.md“On BVNK, you can create and manage both crypto and fiat wallets through the Portal or API.”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/on-off-ramp/automate-fiat-to-crypto-transfers.md“To create a rule that links a fiat virtual account to a crypto blockchain address, send the `POST /payment/v1/rules` request”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/migrate-quote-to-transfers-v3.md“The Transfers v.3 API replaces the legacy Quote API for wallet-to-wallet currency conversion.”
- [probe] https://docs.bvnk.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.bvnk.com/llms.txt # BVNK API Documentation > Complete API documentation for BVNK payment infrastructure—crypto payments, wallets, and fin”
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.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
Build against official SDKsweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://docs.bvnk.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.bvnk.com/llms.txt # BVNK API Documentation > Complete API documentation for BVNK payment infrastructure—crypto payments, wallets, and fin”
- [probe] https://github.com/bvnk/agent-wallet-cli“official CLI documented at https://github.com/bvnk/agent-wallet-cli”
- [claimed-docs] https://docs.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
Subscribe to events via webhooksweight 2
2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.md“Webhooks provide real-time, automated notifications for changes in your BVNK account.”
Agent-ready = 64.8 ÷ 180 × 100 = 36.0
API quality15.1/100×0.20 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
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/payment-sim.md“The sandbox environment provides a consistent simulation experience for pay-ins and payouts across all customer accounts.”
- [probe] https://docs.bvnk.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.bvnk.com/llms.txt # BVNK API Documentation > Complete API documentation for BVNK payment infrastructure—crypto payments, wallets, and fin”
Download a machine-readable API spec (OpenAPI or equivalent)weight 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
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.bvnk.com/bvnk/get-started/payment-sim.md“The sandbox environment provides a consistent simulation experience for pay-ins and payouts across all customer accounts.”
Rely on versioned APIs with a documented deprecation policyweight 2
2 (weight) × 3 (quality) × 0.6 (partial) = 3.6 of 20 max
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/migrate-quote-to-transfers-v3.md“The Transfers v.3 API replaces the legacy Quote API for wallet-to-wallet currency conversion.”
API quality = 10.6 ÷ 70 × 100 = 15.1
Openness12.0/100×0.20 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) × 7 (quality) × 0.6 (partial) = 8.4 of 20 max
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/set-up-wallets.md“On BVNK, you can create and manage both crypto and fiat wallets through the Portal or API.”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/on-off-ramp/automate-fiat-to-crypto-transfers.md“To create a rule that links a fiat virtual account to a crypto blockchain address, send the `POST /payment/v1/rules` request”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/migrate-quote-to-transfers-v3.md“The Transfers v.3 API replaces the legacy Quote API for wallet-to-wallet currency conversion.”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-embedded-partner-customer.md“Embedded Wallets provide partners with seamless payment and fund management capabilities directly within their platform while maintaining their branding.”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/fiat/payout-overview.md“This process allows for the ability for the `CUSTOMER ENABLED` wallet to complete payouts to other bank accounts using their virtual account.”
- [claimed-docs] https://docs.bvnk.com“Create virtual accounts in USD, EUR, GBP for your business or customers.”
- [probe] https://docs.bvnk.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.bvnk.com/llms.txt # BVNK API Documentation > Complete API documentation for BVNK payment infrastructure—crypto payments, wallets, and fin”
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 = 8.4 ÷ 70 × 100 = 12.0
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) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.md“Webhooks provide real-time, automated notifications for changes in your BVNK account.”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/on-off-ramp/automate-fiat-to-crypto-transfers.md“To create a rule that links a fiat virtual account to a crypto blockchain address, send the `POST /payment/v1/rules` request”
- [claimed-docs] https://docs.bvnk.com“Automatically on-ramp to crypto and send to blockchain addresses.”
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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://github.com/bvnk/agent-wallet-cli“official CLI documented at https://github.com/bvnk/agent-wallet-cli”
- [claimed-docs] https://docs.bvnk.com/llms.txt“BVNK uses **Hawk authentication** for secure API access.”
Built-in AI = 7.2 ÷ 90 × 100 = 8.0
Automation13.5/100×0.15 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.bvnk.com/bvnk/use-cases/on-off-ramp/automate-fiat-to-crypto-transfers.md“To create a rule that links a fiat virtual account to a crypto blockchain address, send the `POST /payment/v1/rules` request”
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/migrate-quote-to-transfers-v3.md“The Transfers v.3 API replaces the legacy Quote API for wallet-to-wallet currency conversion.”
- [claimed-docs] https://docs.bvnk.com“Create virtual accounts in USD, EUR, GBP for your business or customers.”
- [claimed-docs] https://docs.bvnk.com“Send stablecoins or cryptocurrencies from your BVNK account.”
Define rules that trigger actions automatically on eventsweight 3
3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/on-off-ramp/automate-fiat-to-crypto-transfers.md“To create a rule that links a fiat virtual account to a crypto blockchain address, send the `POST /payment/v1/rules` request”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.md“Webhooks provide real-time, automated notifications for changes in your BVNK account.”
Schedule recurring jobs or workflowsweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [claimed-docs] https://docs.bvnk.com/bvnk/use-cases/on-off-ramp/automate-fiat-to-crypto-transfers.md“To create a rule that links a fiat virtual account to a crypto blockchain address, send the `POST /payment/v1/rules` request”
- [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.md“Webhooks provide real-time, automated notifications for changes in your BVNK account.”
Version, review, and roll back my automationsweight 1
1 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 10 max
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Automation = 10.8 ÷ 80 × 100 = 13.5