Scoring Methodology & Editorial Standards

1. Core Guiding Principles

• No Hallucinated Rates: Every fee rate, wire fee, and FX markup is bound to a specific official regulatory disclosure or public fee schedule with verification timestamps.

• Strict Separation of Entity & Residency: Company jurisdiction and owner residency are modeled independently. We never assume a US LLC owned by a foreign founder has the same banking access as one owned by a US resident.

• Zero Commission Influence on Ranking: Affiliate relationships never alter candidate scores, matching order, or calculator outputs.

2. The 5-Dimension Scoring Model

Candidates passing all hard eligibility filters are evaluated across 5 weighted dimensions:

1. Task Capabilities (30% base): Support for batch payouts, developer APIs, local clearing networks.

2. Currencies & Rails (25% base): Coverage of required holding and payout currencies.

3. Cost Score (25% base): Normalized cost efficiency based on monthly fees and FX markups.

4. Corporate Cards (10% base): Virtual/physical card allowances and spend controls.

5. Accounting Integrations (10% base): Native two-way sync with Xero, QuickBooks, and NetSuite.

* Dynamic reweighting occurs when the user specifies a primary focus. For instance, selecting "Pay Overseas Suppliers" increases cost weight to 40%.