Australian Payments
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
search
18 providers · 2 standards and regulatory bodies listed separately below
Exemplar 1 66.5+ Reference-quality API operations across every facet.
1
Airwallex Exemplar agent native Cross-Border & Money Movement
Airwallex is a financial technology company that specializes in providing global payment solutions for businesses. Their platform enables companies to accept...
Composite
83.8
Agent
61.6
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 83.8/100 · exemplar
Contract Quality
16.0 / 25
Developer Ergonomics
19.2 / 20
0 / 0
Operational Transparency
12.3 / 13
0 / 0
Discoverability
7.5 / 10
Regulatory · Payments
8.6 / 15
Agent readiness — 62/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples documented
1.8 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
5.0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
Strong 2 54.3 – 66.4 Solid contracts, transparent operations, and an easy start.
2
Azupay Strong agent ready Open Banking & A2A Payments
Azupay is an Australian real-time payments company that moves money over the New Payments Platform (NPP), the account-to-account rails operated by Australian...
Composite
61.7
Agent
58.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 61.7/100 · strong
Contract Quality
17.6 / 25
Developer Ergonomics
10.6 / 20
0 / 0
Operational Transparency
4.1 / 13
0 / 0
Discoverability
7.9 / 10
Regulatory · Banking & Open Finance
5.4 / 15
Agent readiness — 58/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
5.0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
3
Zai Strong agent ready Open Banking & A2A Payments
Zai (hellozai.com, formerly Assembly Payments / Assembly) is an Australian payments and Payments-as-a-Service provider headquartered in Melbourne. Zai gives ...
Composite
56.4
Agent
44.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 56.4/100 · strong
Contract Quality
14.8 / 25
Developer Ergonomics
11.1 / 20
0 / 0
Operational Transparency
2.9 / 13
0 / 0
Discoverability
7.9 / 10
Regulatory · Payments
7.0 / 15
Agent readiness — 44/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Developing 7 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
4
Weel Developing agent aware Spend, AP & AR
Weel (formerly DiviPay, operated by Weel Pty Ltd) is a Melbourne-based all-in-one spend management platform for finance teams in Australia and New Zealand, s...
Composite
54.2
Agent
23.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 54.2/100 · developing
Contract Quality
12.9 / 25
Developer Ergonomics
11.8 / 20
0 / 0
Operational Transparency
3.4 / 13
0 / 0
Discoverability
7.3 / 10
Regulatory · Payments
4.8 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics derived
1.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
5
Zepto Developing agent native Open Banking & A2A Payments
Zepto is a Gold Coast, Australia based account-to-account (A2A) payments company that gives merchants and platforms programmable, real-time access to Austral...
Composite
53.4
Agent
43.6
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 53.4/100 · developing
Contract Quality
14.9 / 25
Developer Ergonomics
11.5 / 20
0 / 0
Operational Transparency
5.8 / 13
0 / 0
Discoverability
7.9 / 10
Regulatory · Banking & Open Finance
6.3 / 15
Agent readiness — 44/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
6
Pinch Payments Developing agent native Spend, AP & AR
Pinch Payments is an Australian, Brisbane-based payment orchestration and payment-facilitator platform that automates invoice collection and receivables for ...
Composite
52.3
Agent
38.8
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 52.3/100 · developing
Contract Quality
13.4 / 25
Developer Ergonomics
12.5 / 20
0 / 0
Operational Transparency
6.0 / 13
0 / 0
Discoverability
7.7 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
7
Fat Zebra Developing agent ready Gateways & PSPs
Fat Zebra is an Australian payments company (founded 2012, Sydney) providing a card-present and card-not-present payment gateway and processing platform for ...
Composite
52.2
Agent
35.4
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 52.2/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
10.8 / 20
0 / 0
Operational Transparency
5.6 / 13
0 / 0
Discoverability
7.9 / 10
Regulatory · Payments
5.0 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
8
Monoova Developing agent ready Open Banking & A2A Payments
Monoova is an Australian payments platform that lets businesses receive, manage, and pay funds in AUD across every domestic rail through a single set of REST...
Composite
51.2
Agent
32.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 51.2/100 · developing
Contract Quality
15.0 / 25
Developer Ergonomics
13.7 / 20
0 / 0
Operational Transparency
4.8 / 13
0 / 0
Discoverability
7.9 / 10
Regulatory · Payments
5.6 / 15
Agent readiness — 32/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
9
eWAY Developing agent aware Gateways & PSPs
eWAY (Eway) is an Australian online payment gateway founded in Sydney in 1998 and now part of Global Payments Oceania, providing card-not-present payment acc...
Composite
41.1
Agent
5.4
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 41.1/100 · developing
Contract Quality
0.0 / 25
Developer Ergonomics
11.9 / 20
0 / 0
Operational Transparency
6.2 / 13
0 / 0
Discoverability
7.3 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 5/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
10
Tyro Payments Developing agent ready Gateways & PSPs
Tyro Payments is an ASX-listed Australian payments company and one of the country's largest merchant acquirers outside the major banks, holding its own banki...
Composite
40.2
Agent
44.7
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 40.2/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
9.9 / 20
0 / 0
Operational Transparency
5.5 / 13
0 / 0
Discoverability
7.9 / 10
Regulatory · Payments
3.3 / 15
Agent readiness — 45/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
Thin 5 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
11
Till Payments Thin agent ready Gateways & PSPs
Till Payments is a Sydney, Australia founded merchant acquirer and payment technology company (established 2012), focused on integrated payments for independ...
Composite
32.7
Agent
35.4
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 32.7/100 · thin
Contract Quality
13.3 / 25
Developer Ergonomics
8.0 / 20
0 / 0
Operational Transparency
3.4 / 13
0 / 0
Discoverability
7.0 / 10
Regulatory · Payments
4.2 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
12
Basiq Thin agent aware Financial Data & Aggregation
Basiq is an Australian open banking and financial data API platform providing unified access to bank account data and enrichment services. It enables fintech...
Composite
29.9
Agent
20.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 29.9/100 · thin
Contract Quality
14.4 / 25
Developer Ergonomics
3.8 / 20
0 / 0
Operational Transparency
1.0 / 13
0 / 0
Discoverability
7.5 / 10
Regulatory · Banking & Open Finance
2.0 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server platform
3.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling derived
0.9 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
14
Zeller Thin agent aware Gateways & PSPs
Zeller is a Melbourne-founded Australian payments and business banking company (founded 2020 by former Square Australia executives Ben Pfisterer and Dominic ...
Composite
29.7
Agent
15.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 29.7/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
8.8 / 20
0 / 0
Operational Transparency
0.3 / 13
0 / 0
Discoverability
7.0 / 10
Regulatory · Payments
5.1 / 15
Agent readiness — 15/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
15
Cuscal Thin agent aware Embedded Finance & BaaS
Cuscal Limited is Australia's largest independent provider of payments and regulated data services outside the Big Four banks, founded in 1966 and listed on ...
Composite
29.1
Agent
17.3
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 29.1/100 · thin
Contract Quality
9.8 / 25
Developer Ergonomics
5.0 / 20
0 / 0
Operational Transparency
1.4 / 13
0 / 0
Discoverability
7.0 / 10
Regulatory · Payments
2.6 / 15
Agent readiness — 17/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
16
Pin Payments Thin agent aware Gateways & PSPs
A complete payments solution, built for speed and simplicity around your unique business needs. The Pin Payments API enables developers to charge cards, mana...
Composite
26.7
Agent
19.6
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 26.7/100 · thin
Contract Quality
11.9 / 25
Developer Ergonomics
4.8 / 20
0 / 0
Operational Transparency
1.4 / 13
0 / 0
Discoverability
5.7 / 10
Regulatory · Payments
1.6 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling derived
0.9 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Emerging 2 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
18
Butn Emerging human only Spend, AP & AR
Butn is an Australian embedded-finance company that funds business cashflow at the point of transaction, plugging invoice finance, outsourced credit terms, a...
Composite
12.6
Agent
0.0
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 12.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
0 / 0
Operational Transparency
0.0 / 13
0 / 0
Discoverability
4.8 / 10
Regulatory · Payments
1.9 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
19
Limepay Emerging human only Buy Now, Pay Later
Limepay was a Melbourne-based Australian embedded-payments and white-label buy-now-pay-later (BNPL) company that let merchants and platforms accept card paym...
Composite
11.1
Agent
3.4
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 11.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.2 / 20
0 / 0
Operational Transparency
0.0 / 13
0 / 0
Discoverability
6.3 / 10
Regulatory · Payments
3.1 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Minimal 1 0 – 10.9 Index entry only; little beyond a description and a link.
20
Afterpay Minimal agent aware Buy Now, Pay Later
Afterpay (acquired by Block / Square) is a buy-now-pay-later platform offering Pay-in-4 installments at thousands of merchants. APIs for merchants to integra...
Composite
7.9
Agent
9.3
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 7.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
0 / 0
Operational Transparency
1.0 / 13
0 / 0
Discoverability
7.2 / 10
Regulatory · Payments
1.6 / 15
Agent readiness — 9/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
12.0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling derived
0.9 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Domestic Rails & Schemes 2 The national payment rails and the bodies that write their rules — you join them as a participant, you do not call them as an API.
13
NPP Australia (AP+) Thin agent aware Domestic Rails & Schemes
NPP Australia is the operator of the New Payments Platform (NPP), Australia's national real-time, data-rich, account-to-account payments infrastructure that ...
Composite
29.8
Agent
15.1
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 29.8/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.1 / 20
0 / 0
Operational Transparency
1.0 / 13
0 / 0
Discoverability
7.0 / 10
Regulatory · Banking & Open Finance
3.7 / 15
Agent readiness — 15/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
17
PayTo Emerging human only Domestic Rails & Schemes
PayTo is Australia's real-time mandated-payments service, operated by Australian Payments Plus (AP+) as an overlay on the New Payments Platform (NPP). It let...
Composite
18.6
Agent
0.0
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Composite quality — 18.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
0 / 0
Operational Transparency
0.3 / 13
0 / 0
Discoverability
6.4 / 10
Regulatory · Banking & Open Finance
2.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5