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.txt“PROBE 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.com“Capture 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.com“Open 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.com“Build 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=46706001“Relay 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.txt“PROBE 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.com“Go 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.com“Check 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.com“Upload 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.com“Build 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“Open 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.com“Upload 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