# Schwab — API Agent Score

> Score: 60/100 (Grade: C) | Domain: schwab.com | Rubric: 1.0.0 | Checked: July 24, 2026

Schwab scored 60/100 (C), classified "partially-ready".

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

## Summary

- Overall: 60/100 (C)
- Classification: partially-ready

## Category Scores

- API Design: 90/100 (A+)
- Developer Experience: 53/100 (D)
- Agent Discovery: 67/100 (C)
- Agent Understanding: 57/100 (D)
- Agent Usability: 45/100 (F)

## Check Results

### API Design

- [pass] Machine-readable, versioned contract — Versioning declared (info.version="1.0") and url-versioning detected. Investigated: spec 100%, docs 100%.
- [pass] Auth declared & discoverable — Authentication required (global or on every operation). Investigated: spec 100%, docs 100%, wellknown 50%.
- [warn] Schema coverage & depth — 25 of 84 public signatures use loose types (anyTypeRatio=0.298). Investigated: sdk 73%, spec 69%.
- [pass] Security & governance hygiene — No credential-shaped strings detected in spec. Investigated: spec 100%, wellknown 50%.
- [warn] Example coverage — README is present but has no runnable quickstart. Investigated: sdk 50%, spec 0%.

### Developer Experience

- [pass] Self-service developer portal — Signup page at https://www.schwab.com/signup; no free-tier language detected in docs/pricing. Investigated: docs 100%.
- [warn] Description completeness — 50% description completeness. Investigated: spec 7%, sdk 0%.
- [fail] Quickstart present — No quickstart/getting-started page found at the conventional paths. Investigated: docs 0%.
- [fail] Changelog published — No changelog URL or mention found in spec metadata. Investigated: spec 0%, docs 0%.
- [skip] Code samples in docs — No surface produced evidence for this capability in this run.

### Agent Discovery

- [pass] Registry & SDK presence — Indexed on Context7 (alexgolec/schwab-py, 165 snippets). Investigated: docs 100%, sdk 100%, cli 0%.
- [warn] Docs reachable, not hard auth-gated — 32 of 32 pages return 200 for non-existent URLs (soft 404). Investigated: docs 50%.
- [warn] llms.txt present, valid & comprehensive — No llms.txt found at any candidate location (https://developer.schwab.com/llms.txt, https://developer.schwab.com/docs/llms.txt). Investigated: docs 33%, sdk 0%.
- [warn] Crawlable / AEO — No sitemap discoverable via robots.txt or /sitemap.xml on the docs host. Investigated: wellknown 50%.

### Agent Understanding

- [pass] Operation purpose clarity — 100% of operations have a clear summary + operationId an agent can select on. Investigated: spec 100%.
- [warn] Agent-navigable, token-efficient docs — No pages support .md URLs (0/32 tested). Investigated: docs 57%.
- [warn] Description consistency across surfaces — Mean pairwise description similarity across 2 surfaces (spec, sdk) is 7% (threshold 35% for full credit).
- [fail] Machine-readable errors (RFC 9457) — No 4xx/5xx response codes (or default error response) documented anywhere in the spec. Investigated: spec 0%, docs 0%.
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.
- [skip] Docs structured data — No surface produced evidence for this capability in this run.

### Agent Usability

- [pass] Sandbox separation — Sandbox environments are exposed (sandbox). Investigated: sdk 100%, spec 0%, docs 0%.
- [fail] Idempotency documented — 0% of mutating operations document idempotency. Investigated: spec 0%, docs 0%, sdk 0%.
- [fail] Rate-limit signaling — No rate-limit response headers documented. Investigated: spec 0%, docs 0%.
- [fail] Pagination documented & consistent — 1 list endpoint(s) exist but no pagination params found. Investigated: spec 0%, docs 0%.
- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.

## Executive Summary

Schwab's API Design is a genuine strength — the contract is clean and well-typed, giving partners a solid foundation to build on. The critical gaps are in operational reliability and agent readiness: partners and their AI agents currently lack the runnable examples, error handling guidance, pagination and rate-limit contracts, and machine-readable context they need to self-serve integrations confidently. Closing these gaps — starting with operational reliability and runnable truth — is what will unlock self-serve partner onboarding and enable AI agents to work against the APIs without hand-holding.