Credit Agricolecredit-agricole.fr
Credit Agricole's API program shows some foundation in design and discovery, but partners and their AI agents face serious friction in three areas: understanding what the APIs do and how errors behave, getting hands-on without a sales conversation, and trusting that workflows will run reliably. The most urgent priorities are closing the machine-readable error, agent context, and structured data gaps that block AI agents from integrating autonomously — then rebuilding the onboarding path so partners reach a first successful call in minutes, not weeks.
API DesignA clean, typed, well-governed API contract agents can reason about1 pass1 warn1 fail69C
| Signal | Points | Findings | Rationale | |
|---|---|---|---|---|
| warn | Schema coverage & depthvia sdk | 20.8/25 | no py.typed marker (PEP 561). Investigated: sdk 83%. | Typed, complete request/response schemas are what make agent function-calling possible. |
| pass | Example coveragevia sdk | 10/10 | README is present and includes a runnable quickstart. Investigated: sdk 100%, docs 0%. | Examples carry shape semantics schemas under-specify — for humans and agents alike. |
| fail | Security & governance hygienevia wellknown | 0/15 | No security.txt at /.well-known/security.txt or /security.txt. Investigated: wellknown 0%. | No leaked secrets, no critical lint violations, no OWASP API Top-10 spec smells, and a published vulnerability-disclosure channel. |
| na | Machine-readable, versioned contract | —/25 | No surface produced evidence for this capability in this run. | A current OpenAPI version with a declared versioning scheme lets agents reason about the contract. |
| na | Auth declared & discoverable | —/25 | No surface produced evidence for this capability in this run. | Agents can only authenticate when auth is declared, scoped, and discoverable. |
Developer ExperienceThe context both developers and agents need to integrate fast — onboarding, code samples, complete descriptions and worked examples0 pass2 warn2 fail45F
| Signal | Points | Findings | Rationale | |
|---|---|---|---|---|
| warn | Quickstart presentvia docs | 12.5/25 | Quickstart page reachable (24 variants scanned starting at https://developer.credit-agricole.fr/fr/quickstart) but no runnable code sample detected in HTML or .md variant. Investigated: docs 50%. | A quickstart is the fastest path from landing page to first successful call. |
| warn | Description completenessvia sdk | 3.8/15 | 3/4 operations lack a description. Investigated: sdk 25%. | Complete descriptions are the context humans and agents need to use endpoints. |
| fail | Self-service developer portalvia docs | 0/29 | No self-service signup detected: no signup link found on the homepage or docs, and no conventional signup path (/signup, /sign-up, /register, /get-started, /console/signup, /dashboard/signup, /try, /try-free, /free, /free-trial, /start, /start-free, /join, /create-account, /account/signup, /auth/signup, /users/sign_up) resolved. Investigated: docs 0%. | Self-serve key/account creation is the fast first call for partners, with no sales gate. |
| fail | Code samples in docsvia docs | 0/18 | No detectable code samples across 1 sampled docs pages. Investigated: docs 0%. | Multi-language samples shorten time-to-first-call. |
| na | Changelog published | —/13 | No surface produced evidence for this capability in this run. | A published changelog lets partners track changes without surprise. |
Agent DiscoveryPartners and their agents can find your APIs — llms.txt, registries, crawlable and reachable docs0 pass4 warn0 fail56D
| Signal | Points | Findings | Rationale | |
|---|---|---|---|---|
| warn | Docs reachable, not hard auth-gatedvia docs | 15/30 | 1 of 1 pages return 200 for non-existent URLs (soft 404). Investigated: docs 50%. | Agents can only index and fetch docs they can reach — past auth gates and over correct HTTP semantics. |
| warn | llms.txt present, valid & comprehensivevia docs | 10/30 | No llms.txt found at any candidate location (https://developer.credit-agricole.fr/fr/llms.txt, https://developer.credit-agricole.fr/llms.txt, https://developer.credit-agricole.fr/docs/llms.txt). Investigated: docs 33%, sdk 0%. | A valid, comprehensive llms.txt is the machine-readable entry point for agents. |
| warn | Crawlable / AEOvia wellknown | 9/12 | Sitemap present (0 entries) but carries no lastmod values. Investigated: wellknown 75%. | Bots allowed plus a fresh sitemap make docs findable by agent crawlers. |
| warn | Registry & SDK presencevia sdk | 7/28 | No MCP server, tool manifest, or list-tools capability is discoverable (server entrypoint: absent, tool manifest: unknown, list-tools: unknown). Investigated: sdk 25%, docs 0%, cli 0%. | Listing in MCP registries and publishing SDKs puts the API where agents and their tooling look. |
Agent UnderstandingAgents can correctly interpret your APIs — machine-readable errors, consistent descriptions, structured data, parseable docs0 pass1 warn3 fail47F
| Signal | Points | Findings | Rationale | |
|---|---|---|---|---|
| warn | Agent-navigable, token-efficient docsvia docs | 15.7/22 | No pages support .md URLs (0/1 tested). Investigated: docs 71%. | Server-rendered, clean, small-footprint docs are what an agent can cheaply fetch and parse correctly. |
| fail | Machine-readable errors (RFC 9457)via sdk | 0/28 | No single common SDK base error class was found; errors do not share one root. Investigated: sdk 0%. | RFC 9457 problem details and a documented error-code inventory let agents parse failures without burning tokens. |
| fail | Agent instructions file (AGENTS.md)via wellknown | 0/10 | No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%. | An AGENTS.md gives coding agents explicit setup, auth, and usage instructions to interpret and operate the API — beyond llms.txt's link index. |
| fail | Docs structured datavia docs | 0/8 | Neither JSON-LD nor OpenGraph/meta tags detected across 1 sampled pages — likely a CSR-only docs site. Investigated: docs 0%. | Structured data (JSON-LD/schema.org) on docs pages gives agents an unambiguous parse target and is what answer engines cite. Detected on the JS-rendered head (Firecrawl) for a bounded page budget, so JS-injected JSON-LD is now caught; pages we can't render are excluded rather than failed. |
| na | Operation purpose clarity | —/25 | No surface produced evidence for this capability in this run. | Agents select the right endpoint from its summary + operationId; clear, named operations make tool-selection reliable — the strongest driver of correct tool choice. |
| na | Description consistency across surfaces | —/7 | Only 0 surface description(s) with ≥6 tokens available; need at least 2 to compare. | Every surface tells the same story about what the product is. |
Agent UsabilityAgents have the context to use your APIs reliably, not just find them0 pass1 warn2 fail45F
| Signal | Points | Findings | Rationale | |
|---|---|---|---|---|
| warn | Sandbox separationvia sdk | 10/20 | No test-mode flag or sandbox environment is exposed. Investigated: sdk 50%. | An isolated environment lets agents exercise destructive operations safely. |
| fail | Idempotency documentedvia sdk | 0/27 | No built-in retry machinery was found; transient failures are not retried. Investigated: sdk 0%. | Documented idempotency lets agents retry safely. |
| fail | Runnable collection with test scriptsvia platform | 0/9 | No public Postman workspace discovered for the org. Investigated: platform 0%. | A public, maintained collection with assertions is runnable truth agents validate against. |
| na | Rate-limit signaling | —/22 | No surface produced evidence for this capability in this run. | Machine-readable rate-limit headers let agents throttle adaptively. |
| na | Pagination documented & consistent | —/22 | No surface produced evidence for this capability in this run. | Consistent, documented pagination lets agents traverse collections. |