Transparency Index

How it is computed. The score is derived automatically from each listing's data: no item is assigned by hand, and every point traces back to a verifiable field. It updates with every new check.

Published pricing measures how many of the product's cost items the provider discloses publicly. Verifiable licenses counts only authorisations naming a regulator or a searchable register: "regulated" on its own earns nothing, because it cannot be checked. Public documentation looks at how many dated official sources the listing rests on — a provider publishing terms and fee schedules is citable, one keeping everything behind a signup is not.

What it does not measure. Freshness is about our record, not the provider: it says how recent the check is, and therefore how far the other three items can be trusted today. And a high score does not mean "better service": it means the terms are verifiable. A provider can be transparent and still expensive.

Not-applicable items. Where a criterion makes no sense for that kind of service — the price of a free software wallet, say — the bar stays grey, the item is excluded from the total, and the score is scaled to the applicable criteria only. A zero would read "poor" where the truth is "not relevant".