How Wise Business’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 Score14/100
Agent-ready 32.2 × 0.30 = 9.66
API quality 0.0 × 0.20 = 0.00
Openness 12.0 × 0.20 = 2.40
Built-in AI n/a — excluded, its ×0.15 weight renormalized away
Automation 0.0 × 0.15 = 0.00
(9.66 + 0.00 + 2.40 + 0.00) ÷ (0.30 + 0.20 + 0.20 + 0.15) = 12.06 ÷ 0.85 = 14.2 — weights renormalized over the scored components
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-ready32.2/100×0.30 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.wise.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.wise.com/llms.txt # Global Payments API: Send & Receive Money > Wise Platform offer domestic and cross-border payments tools for technolo”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
Run the product headlessly / in CI for automationweight 2
2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max
- [claimed-docs] https://docs.wise.com“How to make business payments via API from a Wise account.”
- [probe] https://docs.wise.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.wise.com/llms.txt # Global Payments API: Send & Receive Money > Wise Platform offer domestic and cross-border payments tools for technolo”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
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
- [probe] https://docs.wise.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.wise.com/llms.txt # Global Payments API: Send & Receive Money > Wise Platform offer domestic and cross-border payments tools for technolo”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
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) × 7 (quality) × 1.0 (full) = 21.0 of 30 max
- [claimed-docs] https://docs.wise.com“How to make business payments via API from a Wise account.”
- [claimed-docs] https://docs.wise.com“Create accounts for 160+ countries”
- [claimed-docs] https://docs.wise.com“Send payments globally, in under 20 seconds”
- [probe] https://docs.wise.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.wise.com/llms.txt # Global Payments API: Send & Receive Money > Wise Platform offer domestic and cross-border payments tools for technolo”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
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.wise.com“How to make business payments via API from a Wise account.”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
Build against official SDKsweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [claimed-docs] https://docs.wise.com“How to make business payments via API from a Wise account.”
- [probe] https://docs.wise.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.wise.com/llms.txt # Global Payments API: Send & Receive Money > Wise Platform offer domestic and cross-border payments tools for technolo”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
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 = 41.8 ÷ 130 × 100 = 32.2
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
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
Download a machine-readable API spec (OpenAPI or equivalent)weight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
- [claimed-docs] https://docs.wise.com“How to make business payments via API from a Wise account.”
Test against a sandbox environment without touching production dataweight 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
Rely on versioned APIs with a documented deprecation policyweight 2
2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.com/.well-known/openapi.json)”
- [community] https://news.ycombinator.com/item?id=37936076“I received notification that my US bank account number will stop working immediately and I should not use it anywhere and remove it from anywhere. Thank god this is a private account.”
- [community] https://news.ycombinator.com/item?id=37936076“Due to an operational change, your USD account details for your Wise Business and Personal accounts are changing... From today, October 17, 2023, your old USD account details will no longer work. It was zero-day notice for me.”
- [community] https://news.ycombinator.com/item?id=37936076“My business works with enterprises on NET 30 to NET 90 payment terms, so having account details change without warning is a painful one to correct. I reached out to Wise support and complained, calling the practice borderline illegal for a bank; they said they'd investigate and respond within 30 days. I'm considering filing a complaint with the CFPB.”
API quality = 0.0 ÷ 70 × 100 = 0.0
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) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max
- [claimed-docs] https://docs.wise.com“Create accounts for 160+ countries”
- [claimed-docs] https://docs.wise.com“Send payments globally, in under 20 seconds”
- [claimed-docs] https://docs.wise.com“Receive payment in 40+ currencies”
- [claimed-docs] https://docs.wise.com“Issue debit cards worldwide”
- [claimed-docs] https://docs.wise.com“How to make business payments via API from a Wise account.”
- [probe] https://docs.wise.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.wise.com/openapi.json, https://docs.wise.com/swagger.json, https://docs.wise.com/api/openapi.json, https://docs.wise.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
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 = 6.0 ÷ 50 × 100 = 12.0
Built-in AIn/a×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
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
Set up automations that run autonomously in the backgroundweight 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
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
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
every cell n/a — unscored (not zero), excluded from the blend
Automation0.0/100×0.15 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
no evidence cited — the verdict rests on absence of evidence, re-checked on refresh
Define rules that trigger actions automatically on eventsweight 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
Schedule recurring jobs or workflowsweight 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
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 = 0.0 ÷ 70 × 100 = 0.0