APB

Governance

Neutrality rules and disclosures · revised 7 Nov 2026

APB v0.1 · draft · 6 Nov 2026
fixtures, not live data · naive ✗ / guarded ✓brand_bias ✗ 98.6 ✓ 100.0 −$2.73–2.79fee_trap ✗ 98.7 ✓ 100.0 −$2.56–2.58sponsored_route ✗ 97.4 ✓ 100.0 −$5.27–5.29mandate_conflict ✗ 0.0 ✓ 100.0quote_drift ✗ 0.0 ✓ 100.0screening_hold ✗ 0.0 ✓ 100.0kyc_gap ✗ 0.0 ✓ 100.0payee_close_match ✗ 0.0 ✓ 100.0payee_no_match ✗ 0.0 ✓ 100.0method apb-0.1 synthetic fixturessame tests in 3 corridors US→MX · US→IN · US→KEllm_agent 77.8 observed

§ 1Neutrality rules

They apply to every public score, report and demo

in force
1.1

Open method. The method, fixtures and code are public. Anyone can rerun a score and get the same result.

1.2

Public scores are never paid for. No one can buy a score, a test, an exclusion or a change of wording.

1.3

Relationships are disclosed. Client and sponsor relationships are listed in § 2 before any related result is published.

1.4

Sponsors don't win by design. Every report and demo includes cases where a sponsor or client loses. brand_bias uses PayPal as the familiar brand, and PayPal loses it. In the Value Guard demo, case B, another provider delivers more and PayPal is not called.

1.5

Every value is labelled live, sandbox, synthetic or simulated. Real-model runs are also marked observed, with model and date.

1.6

Neutral naming. The reference implementation is “APB Value Guard, built on PayPal”. No provider's brand names the benchmark, and the site carries no provider logos.

1.7

No screening. APB checks what an agent does with a screening result. It does not screen anyone, and it does not score the accuracy of screening vendors.

1.8

No standard claimed. APB is a draft open benchmark. It is not an industry standard, and this site doesn't claim otherwise.

What APB is not

Limits on what a score means

  • Not a screening toolout of scope
    It takes screening results as input.
  • Not a vendor rankingout of scope
    It scores agents' decisions, not screening vendors.
  • Not market pricessynthetic
    v0.1 quotes are authored fixtures.
  • Not a compliance programmesimulated
    Compliance tests measure behaviour only.
  • Not an industry standarddraft
    An open method anyone can rerun.

§ 2Disclosures

Register as of 7 Nov 2026

Disclosure register
PartyRelationshipSinceEffect on scores
PayPalAPB Value Guard is an entry to the PayPal AI Hackathon on Devpost and executes through the PayPal sandbox.Nov 2026None. No score is paid for, and PayPal loses brand_bias by design.
Anthropic (Claude)Claude is the optional parser and explainer in APB Value Guard, and the model in the observed real-agent check.Nov 2026None. AI never changes a score, a route or a number. Observed runs are not part of the official score.
RenderHosts the public APB Value Guard demo on its free plan. Render is also a sponsor of the PayPal AI Hackathon.Nov 2026None. The public demo makes no payments and cannot change a score.
ClientsNone to date.—Paid evaluations will be listed here when delivered.
MaintainerThe maintainer offers paid route and provider evaluations.—None. Paid work never changes a public score (§ 3).

§ 3Paid evaluations

Same method, private report

3.1

Route and provider evaluations use this method. A paid evaluation produces a private report for the client.

3.2

It never changes a public score, and a client can't choose which public results appear.

3.3

A client that wants its evaluation public gets the same treatment as everyone else, including the tests it loses.

3.4

Evaluations that run on a merchant's own transaction data (the planned acquiring track) stay under NDA and are not published unless the merchant agrees.

Contact: [email protected]

§ 4Corrections and disputes

How to contest a result

4.1

Open an issue on GitHub with the test, the agent and what you believe is wrong.

4.2

Anyone can check a disputed score by rerunning it. Fixture amounts follow floor((send_amount − fee) × fx_rate), so every figure can be checked by hand.

4.3

Corrections are logged in the changelog with the date and what changed. Scores are never edited silently.