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

Dave

dave.com

Personal finance and money appsBanking

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
460 of 2,219
its rank by overall score
Place in its category
10th of 30 personal finance apps
Closing balance

Named in

11of 60 answers

by 4 of 4 assistants

Statement note

What this means for Dave

AI assistants name the personal finance app Dave in 18.3% of answers, while the typical company in its sector is named in 0%. Its overall score is 37 out of 100, ranking 460th of 2,219. The website passes 4 of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Dave by name. AI assistants named it in 11 of the 60 answers. Counting only how often it is named, it ranks 37th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
37Overall score
  • Visibility17
  • Citations1
  • Sentiment79
  • Site quality80
  • AI readiness29
Summary of account
Named by AI in
18.3%
11 of 60 answers
Share of mentions
17.5%
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
72 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

Dave came up on 4 of 15 questions. Open any window to read that answer.

  1. 01Why might my cash advance request from a mobile app be denied?0/4
  2. 02Which digital banking apps offer early paycheck access in the US?3/4
  3. 03Are there any free or low-cost digital checking accounts for people with bad credit?0/4
  4. 04How do cash advance apps compare to traditional payday loans for quick funds?0/4
  5. 05What are some options besides digital banking apps for no-fee checking accounts?0/4
  6. 06What features should I look for in a banking app for avoiding overdraft fees?0/4
  7. 07What can I do if I didn't receive my early direct deposit with a digital banking app?0/4
  8. 08Alternatives to mobile cash advance apps for getting quick funds in the US?0/4
  9. 09Are mobile checking accounts with no hidden fees a good alternative to regular banks?0/4
  10. 10Is using a cash advance app to cover emergency expenses worth it?0/4
  11. 11Mobile banking apps vs. online credit unions: Which is better for low-fee checking accounts?0/4
  12. 12What are the best mobile apps for getting small cash advances instantly without a credit check?4/4
  13. 13Which US banking apps help you find side hustles to earn extra money?2/4
  14. 14How can mobile financial apps help manage irregular paychecks or gig work income?0/4
  15. 15What are the typical fees for instant cash advance services on mobile apps?2/4
Total namedOpenAI: 2/15Claude: 3/15Perplexity: 3/15Gemini: 3/15All assistants: 11/60
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 US banking apps help you find side hustles to earn extra money?”

Dave is the clearest U.S. banking app that helps users find ways to earn extra money. Its in-app Side Hustle job board lists seasonal, temporary, work-from-home, and other opportunities; Dave also offers paid surveys through its Survey feature.

The app’s current listing also promotes side-hustle discovery and instant-pay surveys directly in the app.

Other apps may offer rewards, surveys, or games, but they are not necessarily banking apps or traditional job-matching services. For example, ATM.com promotes paid surveys, games, cashback, and other rewards, while Cashably focuses …

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
    Chime
    28
  2. 02
    MoneyLion
    11
  3. 03
    Brigit
    9
  4. 04
    Earnin
    6
  5. 05
    Albert
    2

Share of mentions

CompanyShare
  1. Chime
    27.0%
  2. Earnin
    20.6%
  3. Dave
    17.5%
  4. MoneyLion
    17.5%
  5. Brigit
    14.3%
  6. Albert
    3.2%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    moneylion.com
    25
  2. 02
    finder.com
    15
  3. 03
    chime.com
    15
  4. 04
    credible.com
    13
  5. 05
    bankrate.com
    12
  6. 06
    experian.com
    12
  7. 07
    nerdwallet.com
    11
  8. 08
    apps.apple.com
    10
  9. 09
    firstcard.app
    10
  10. 10
    creditkarma.com
    9

Dave is in the study as a personal finance app.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
3/15
Perplexity
3/15
Claude
3/15
OpenAI
2/15
Market comparisonSection 06

How Dave 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
1

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

Sentiment
79

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
37
Ranks 72 of 394. Typical company: 28
Named in answers
18.3%
Ranks 37 of 394. Typical company: 0.0%
AI readiness
29
Ranks 82 of 394. Typical company: 29
Against its categorySection 08

Compared with personal finance apps

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

Overall score
37
Ranks 10 of 30. Typical company: 29
Named in answers
18.3%
Ranks 9 of 30. Typical company: 4.2%
AI readiness
29
Ranks 12 of 30. 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. Dave 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
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    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 32 of 100 · 97% of checks could run · checked on October 9, 2026 · dave.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%
  • Not metHTTP 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

  • PassedExplicit 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 rules for 9 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*allowed
  • ClaudeBot*allowed
  • Anthropic-AIallowed
  • Google-Extended*allowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBot*allowed
  • Claude-SearchBot*allowed
  • PerplexityBot*allowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-User*allowed
  • Claude-User*allowed
  • Perplexity-User*allowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

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 37 of 100 badge for Dave

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/dave.com"><img src="https://aeo-audit.rezolve.com/finance/badges/dave.com.svg" alt="Overall score 37 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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