Skip to content

How Relay’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 Score12/100

Agent-ready 20.0 × 0.30 = 6.00

API quality 0.0 × 0.20 = 0.00

Openness 0.0 × 0.20 = 0.00

Built-in AI 10.0 × 0.15 = 1.50

Automation 26.6 × 0.15 = 3.99

(6.00 + 0.00 + 0.00 + 1.50 + 3.99) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 11.49 ÷ 1.00 = 11.5

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-ready20.0/100×0.30 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) × 7 (quality) × 1.0 (full) = 14.0 of 20 max

  • [probe] https://support.relayfi.com/llms.txtPROBE llms.txt: HTTP 200 at https://support.relayfi.com/llms.txt # Relay > Relay is an online business banking platform for small businesses. Features include up to 20 free checking ac

Run the product headlessly / in CI for automationweight 2

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

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

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Connect an agent via an official MCP serverweight 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

Use an official CLIweight 2

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

Drive the product through a documented public APIweight 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

Issue scoped/least-privilege API credentials for an agentweight 2

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

Build against official SDKsweight 2

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

Subscribe to events via webhooksweight 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

Agent-ready = 14.0 ÷ 70 × 100 = 20.0

API quality0.0/100×0.20 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

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

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

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

Rely on versioned APIs with a documented deprecation policyweight 2

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

API quality = 0.0 ÷ 20 × 100 = 0.0

Openness0.0/100×0.20 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) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

  • [claimed-docs] https://relayfi.comCapture receipts, categorize expenses in real time, and sync everything to your accounting software automatically.

Read the product's source under an open licenseweight 2

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

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 = 0.0 ÷ 50 × 100 = 0.0

Built-in AI10.0/100×0.15 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://relayfi.comOpen up to 20 checking accounts and auto-transfer every deposit so you always know what’s tied up and what’s safe to spend.
  • [claimed-docs] https://relayfi.comBuild a cash cushion with high-yield accounts and automated rules that help you stay ready for whatever’s next.
  • [claimed-docs] https://relayfi.com/product/Automate transfers from one to multiple accounts using dollar amounts or percentages.
  • [claimed-docs] https://relayfi.com/pricing/Multi-step approval rules
  • [claimed-docs] https://relayfi.com/pricing/Recurring invoices
  • [community] https://news.ycombinator.com/item?id=46706001Relay does a good job of automatically partitioning money, though you still need to manually execute external payments. Gives you a little extra interest on money allocated for taxes too.

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

  • [probe] https://support.relayfi.com/llms.txtPROBE llms.txt: HTTP 200 at https://support.relayfi.com/llms.txt # Relay > Relay is an online business banking platform for small businesses. Features include up to 20 free checking ac
  • [claimed-docs] https://support.relayfi.comGo to Accounts → Account Details in the Relay app to view your numbers anytime, or generate a bank verification letter from the same screen.
  • [claimed-docs] https://support.relayfi.comCheck your current limits under Accounts → Limits, then request an increase right from that screen.

Built-in AI = 6.0 ÷ 60 × 100 = 10.0

Automation26.6/100×0.15 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://relayfi.com/profit-first/Open up to 20 checking accounts and nickname them to match your Profit First setup: Income, Profit, Owner's Pay, Taxes, Operating Expenses.
  • [claimed-docs] https://relayfi.com/product/Automate transfers from one to multiple accounts using dollar amounts or percentages.
  • [claimed-docs] https://relayfi.com/ecommerce-banking/Issue 50 virtual or physical Visa debit cards to your team
  • [claimed-docs] https://relayfi.com/pricing/Multi-step approval rules
  • [claimed-docs] https://relayfi.comUpload bills, delegate tasks, automate approvals, and pay vendors the way they want to be paid.

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 5 (quality) × 0.6 (partial) = 9.0 of 30 max

  • [claimed-docs] https://relayfi.comBuild a cash cushion with high-yield accounts and automated rules that help you stay ready for whatever’s next.
  • [claimed-docs] https://relayfi.com/product/Automate transfers from one to multiple accounts using dollar amounts or percentages.
  • [claimed-docs] https://relayfi.com/pricing/Multi-step approval rules
  • [claimed-docs] https://relayfi.comOpen up to 20 checking accounts and auto-transfer every deposit so you always know what’s tied up and what’s safe to spend.

Schedule recurring jobs or workflowsweight 2

2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

  • [claimed-docs] https://relayfi.com/product/Automate transfers from one to multiple accounts using dollar amounts or percentages.
  • [claimed-docs] https://relayfi.com/pricing/Recurring invoices
  • [claimed-docs] https://relayfi.comUpload bills, delegate tasks, automate approvals, and pay vendors the way they want to be paid.
  • [claimed-docs] https://relayfi.com/pricing/Multi-step approval rules

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 = 18.6 ÷ 70 × 100 = 26.6