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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.txtPROBE 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.jsonPROBE 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.comHow to make business payments via API from a Wise account.
  • [probe] https://docs.wise.com/llms.txtPROBE 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.jsonPROBE 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.txtPROBE 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.jsonPROBE 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.comHow to make business payments via API from a Wise account.
  • [claimed-docs] https://docs.wise.comCreate accounts for 160+ countries
  • [claimed-docs] https://docs.wise.comSend payments globally, in under 20 seconds
  • [probe] https://docs.wise.com/llms.txtPROBE 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.jsonPROBE 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.comHow to make business payments via API from a Wise account.
  • [probe] https://docs.wise.com/openapi.jsonPROBE 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.comHow to make business payments via API from a Wise account.
  • [probe] https://docs.wise.com/llms.txtPROBE 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.jsonPROBE 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.jsonPROBE 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.jsonPROBE 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.comHow 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.jsonPROBE 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=37936076I 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=37936076Due 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=37936076My 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.comCreate accounts for 160+ countries
  • [claimed-docs] https://docs.wise.comSend payments globally, in under 20 seconds
  • [claimed-docs] https://docs.wise.comReceive payment in 40+ currencies
  • [claimed-docs] https://docs.wise.comIssue debit cards worldwide
  • [claimed-docs] https://docs.wise.comHow to make business payments via API from a Wise account.
  • [probe] https://docs.wise.com/openapi.jsonPROBE 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