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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.txtPROBE 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.txtBVNK uses **Hawk authentication** for secure API access.
  • [claimed-docs] https://docs.bvnk.com/llms.txtAs 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.txtBVNK uses **Hawk authentication** for secure API access.
  • [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.mdWebhooks provide real-time, automated notifications for changes in your BVNK account.
  • [claimed-docs] https://docs.bvnk.com/bvnk/get-started/payment-sim.mdThe sandbox environment provides a consistent simulation experience for pay-ins and payouts across all customer accounts.
  • [probe] https://github.com/bvnk/agent-wallet-cliofficial 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-cliofficial CLI documented at https://github.com/bvnk/agent-wallet-cli
  • [claimed-docs] https://docs.bvnk.com/llms.txtBVNK 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.txtBVNK uses **Hawk authentication** for secure API access.
  • [claimed-docs] https://docs.bvnk.com/bvnk/get-started/create-webhook-listener.mdWebhooks provide real-time, automated notifications for changes in your BVNK account.
  • [probe] https://github.com/bvnk/agent-wallet-cliofficial 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-cliofficial 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.txtBVNK uses **Hawk authentication** for secure API access.
  • [claimed-docs] https://docs.bvnk.com/bvnk/get-started/set-up-wallets.mdOn 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.mdTo 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.mdThe Transfers v.3 API replaces the legacy Quote API for wallet-to-wallet currency conversion.
  • [probe] https://docs.bvnk.com/llms.txtPROBE 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.txtBVNK 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.txtPROBE 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-cliofficial CLI documented at https://github.com/bvnk/agent-wallet-cli
  • [claimed-docs] https://docs.bvnk.com/llms.txtBVNK 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.mdWebhooks 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.mdThe sandbox environment provides a consistent simulation experience for pay-ins and payouts across all customer accounts.
  • [probe] https://docs.bvnk.com/llms.txtPROBE 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.mdThe 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.mdThe 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.mdOn 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.mdTo 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.mdThe 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.mdEmbedded 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.mdThis 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.comCreate virtual accounts in USD, EUR, GBP for your business or customers.
  • [probe] https://docs.bvnk.com/llms.txtPROBE 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.mdWebhooks 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.mdTo 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.comAutomatically 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-cliofficial CLI documented at https://github.com/bvnk/agent-wallet-cli
  • [claimed-docs] https://docs.bvnk.com/llms.txtBVNK 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.mdTo 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.mdThe Transfers v.3 API replaces the legacy Quote API for wallet-to-wallet currency conversion.
  • [claimed-docs] https://docs.bvnk.comCreate virtual accounts in USD, EUR, GBP for your business or customers.
  • [claimed-docs] https://docs.bvnk.comSend 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.mdTo 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.mdWebhooks 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.mdTo 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.mdWebhooks 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