# Dwolla — API Agent Score

> Score: 93/100 (Grade: A+) | Domain: dwolla.com | Rubric: 1.0.0 | Checked: July 24, 2026

Dwolla scored 93/100 (A+), classified "ai-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/dwolla)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 93/100 (A+)
- Classification: ai-ready

## Category Scores

- API Design: 100/100 (A+)
- Developer Experience: 85/100 (A)
- Agent Discovery: 100/100 (A+)
- Agent Understanding: 88/100 (A)
- Agent Usability: 90/100 (A+)

## Check Results

### API Design

- [pass] Machine-readable, versioned contract — Versioning declared (info.version="2.0") and media-type-versioning detected. Investigated: spec 100%, docs 100%.
- [pass] Schema coverage & depth — .d.ts present on disk but not declared in package.json. Investigated: sdk 100%, spec 67%.
- [pass] Auth declared & discoverable — Authentication required (global or on every operation). Investigated: docs 100%, spec 50%, wellknown 0%.
- [pass] Security & governance hygiene — No credential-shaped strings detected in spec. Investigated: spec 100%, wellknown 0%.
- [pass] Example coverage — README is present and includes a runnable quickstart. Investigated: sdk 100%, spec 0%, docs 0%.

### Developer Experience

- [pass] Self-service developer portal — Self-service signup at https://www.dwolla.com/contact; no free tier or sandbox language detected. Investigated: docs 100%.
- [pass] Quickstart present — Quickstart at https://developers.dwolla.com/docs/quickstart with a runnable first-call sample. Investigated: docs 100%.
- [pass] Description completeness — 99% of operations + parameters have substantive descriptions. Investigated: spec 100%.
- [pass] Changelog published — changelog documented in the docs site at https://developers.dwolla.com/docs/changelog. Investigated: spec 100%, docs 100%, sdk 100%.
- [fail] Code samples in docs — No detectable code samples across 18 sampled docs pages. Investigated: docs 0%.

### Agent Discovery

- [pass] llms.txt present, valid & comprehensive — llms-full.txt reachable at https://developers.dwolla.com/llms-full.txt. Investigated: docs 100%, sdk 0%.
- [pass] Registry & SDK presence — Indexed on Context7 (websites/developers_dwolla, 2954 snippets). Investigated: docs 100%, sdk 67%, cli 0%.
- [pass] Crawlable / AEO — Docs paths crawlable by all monitored AI agents. Investigated: wellknown 100%.
- [skip] Docs reachable, not hard auth-gated — No surface produced evidence for this capability in this run.

### Agent Understanding

- [pass] Machine-readable errors (RFC 9457) — 6 distinct 4xx/5xx response codes documented. Investigated: docs 100%, spec 50%.
- [pass] Operation purpose clarity — 99% of operations have a clear summary + operationId an agent can select on. Investigated: spec 100%.
- [pass] Docs structured data — JSON-LD Article markup on 16/16 assessed pages (100%) with dateModified present. Investigated: docs 100%.
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.
- [skip] Agent-navigable, token-efficient docs — No surface produced evidence for this capability in this run.
- [skip] Description consistency across surfaces — Only 1 surface description(s) with ≥6 tokens available; need at least 2 to compare.

### Agent Usability

- [pass] Idempotency documented — idempotency documented in the docs site at https://developers.dwolla.com/docs/api-reference/api-fundamentals/idempotency-key. Investigated: spec 100%, docs 100%, sdk 0%.
- [pass] Rate-limit signaling — rate-limit behavior documented in the docs site at https://developers.dwolla.com/docs/api-reference/api-fundamentals/rate-limits. Investigated: spec 100%, docs 100%.
- [pass] Sandbox separation — sandbox documented in the docs site at https://developers.dwolla.com/docs/testing. Investigated: spec 100%, docs 100%, sdk 100%.
- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.
- [skip] Pagination documented & consistent — No surface produced evidence for this capability in this run.

## Executive Summary

Dwolla's API program shows real strength in its core API design and structure, but two gaps threaten partner and agent adoption: AI agents lack the structured context files needed to understand and operate the API autonomously, and there are no runnable collections with test scripts to give partners or agents an executable, trustworthy starting point. Closing these two gaps — adding an AGENTS.md instruction file and publishing a runnable, test-backed collection — will meaningfully accelerate how quickly partners and their agents can go from discovery to a working integration. Inline code samples in the documentation should follow as a near-term polish item to remove the last friction from human onboarding.