Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Branch

branchapp.com

Small business banking and lendingBanking

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
239 of 2,219
its rank by overall score
Place in its category
7th of 38 small business banking providers
Closing balance

Named in

8of 60 answers

by 4 of 4 assistants

Statement note

What this means for Branch

AI assistants name Branch in 13.3% of answers, while the typical company in its sector is named in 0% of answers. Its overall score is 40 out of 100, ranking 239th of 2,219 overall and 36th of 394 in its sector. Branch's website passes 4 out of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Branch by name. AI assistants named it in 8 of the 60 answers. Counting only how often it is named, it ranks 62nd of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
40Overall score
  • Visibility17
  • Citations6
  • Sentiment86
  • Site quality80
  • AI readiness29
Summary of account
Named by AI in
13.3%
8 of 60 answers
Share of mentions
25.0%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 3
Rank in its sector
36 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Branch came up on 3 of 15 questions. Open any window to read that answer.

  1. 01What are typical fees associated with workforce payment platforms for US businesses?0/4
  2. 02Should my business use a unified platform to manage reimbursements, tips, and early wage access?0/4
  3. 03How do workforce payment platforms help businesses attract and retain gig workers?0/4
  4. 04What are the main use-cases for earned wage access in the hospitality industry?0/4
  5. 05Is it worth switching to a workforce payments platform that offers instant payouts and no pre-funding?0/4
  6. 06How do costs compare between earned wage access, cashless tip solutions, and traditional paycards?1/4
  7. 07What are alternatives to paycard-based payroll solutions for flexible worker payments?0/4
  8. 08What options do small businesses have besides instant payment platforms for managing reimbursements?0/4
  9. 09Paycard alternatives vs. direct deposit for flexible worker payments—what are the pros and cons?0/4
  10. 10What are the best instant payment platforms for paying W-2 and 1099 workers?3/4
  11. 11How can businesses efficiently offer cashless tips and reimbursements to their workforce?0/4
  12. 12What can cause delays in cashless tip disbursements for service workers?0/4
  13. 13Which platforms support both W-2 and 1099 worker payments with instant access features?4/4
  14. 14Why might instant payments to contractors not process correctly, and how can it be fixed?0/4
  15. 15How does earned wage access compare to traditional payroll advances for hourly employees?0/4
Total namedOpenAI: 2/15Claude: 2/15Perplexity: 2/15Gemini: 2/15All assistants: 8/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Which platforms support both W-2 and 1099 worker payments with instant access features?”

The strongest matches are:

Branch — Supports payments to both W-2 employees and 1099 contractors, with earned-wage access, on-demand pay, instant payouts, paycard alternatives, tips, and reimbursements.

Zeal — Provides payroll and payment workflows for both worker types, including instant pay, same-day payments, digital wallets, and paycards. It is particularly geared toward staffing firms, labor marketplaces, and embedded-payroll platforms.

Everee — Offers same-day pay for both W-2 and 1099 workers, alongside payroll and compliance capabilities for staffing and …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    DailyPay
    4
  2. 02
    Payactiv
    1
  3. 03
    Instant Financial
    1

Share of mentions

CompanyShare
  1. Instant Financial
    59.4%
  2. Branch
    25.0%
  3. DailyPay
    9.4%
  4. Payactiv
    3.1%
  5. Rapid! (rapidpaycard)
    3.1%
  6. ZayZoon
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    f6s.com
    18
  2. 02
    branchapp.com (its own website)
    16
  3. 03
    tapcheck.com
    8
  4. 04
    etip.com
    8
  5. 05
    business.com
    6
  6. 06
    gusto.com
    5
  7. 07
    instant.co
    5
  8. 08
    routable.com
    5
  9. 09
    enterprise.chime.com
    4
  10. 10
    zeal.com
    4

Branch is in the study as a small business banking provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
2/15
Gemini
2/15
OpenAI
2/15
Perplexity
2/15
Market comparisonSection 06

How Branch compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
17

How often AI assistants name the company, and how that compares with its peers

Citations
6

How often AI uses the company's own website as a source

Sentiment
86

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
29

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
40
Ranks 36 of 394. Typical company: 28
Named in answers
13.3%
Ranks 62 of 394. Typical company: 0.0%
AI readiness
29
Ranks 82 of 394. Typical company: 29
Against its categorySection 08

Compared with small business banking providers

38 companies in this category. The gold tick on each bar is the typical company.

Overall score
40
Ranks 7 of 38. Typical company: 29
Named in answers
13.3%
Ranks 8 of 38. Typical company: 1.7%
AI readiness
29
Ranks 17 of 38. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Branch publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 9, 2026 · branchapp.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

4 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 40 of 100 badge for Branch

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/branchapp.com"><img src="https://aeo-audit.rezolve.com/finance/badges/branchapp.com.svg" alt="Overall score 40 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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