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

Fea Card (Bits)

getbits.app

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,130 of 2,219
its rank by overall score
Place in its category
31st of 62 consumer lenders
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for Fea Card (Bits)

AI assistants do not name this consumer lender in any of their 60 answers, while the typical company in its sector is named in 3.3% of answers. Its overall score is 28 out of 100, placing it 1,130th of 2,219 companies. The website passes 4 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Fea Card (Bits) by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 56th of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
28Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality87
  • AI readiness29
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 4
Rank in its sector
52 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Fea Card (Bits) came up on 0 of 15 questions. Open any window to read that answer.

  1. 01Are there any non-card options for building credit quickly in the US?0/4
  2. 02What are some alternatives to credit builder cards for someone with no credit history?0/4
  3. 03How does a credit builder card compare to a secured credit card for improving credit history?0/4
  4. 04Why isn’t my credit builder card being reported to all the credit bureaus?0/4
  5. 05Are credit builder cards worth it for people with no prior credit experience?0/4
  6. 06What should I do if my payments on a credit builder card aren’t improving my credit score?0/4
  7. 07What are typical subscription fees for US-based credit builder cards and apps?0/4
  8. 08Can a first-time credit card user use a credit builder card to qualify for better loan offers later on?0/4
  9. 09What is the best way for someone new to credit in the US to start building a credit score?0/4
  10. 10Credit builder app vs traditional credit monitoring service—what are the main differences?0/4
  11. 11Is there usually a minimum balance or hidden fee when signing up for a credit builder card in the US?0/4
  12. 12Which types of credit builder cards are most effective for first-time users?0/4
  13. 13How can someone without a credit card start improving their credit score?0/4
  14. 14Should I try a personal finance app that includes credit building features, or just get a credit card?0/4
  15. 15How can someone manage all their money and credit building in one app?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
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 OpenAI actually said

The company is not named in this answer

OpenAIdid not name the company

“Are there any non-card options for building credit quickly in the US?”

Short answer: Yes. You don’t have to use a (unsecured) credit card to build credit quickly — common non-card options include credit‑builder loans or secured installment loans, rent‑reporting and alternative‑payment reporting (utilities, phone, streaming via services like Experian Boost), and certain bank/credit‑union products that report on‑time payments. Each has tradeoffs in speed, cost, and which credit bureau(s) see the activity. (self.inc)

What those options are and how fast they can work

Cre …

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.

Named instead

CompanyTimes named
  1. 01
    Self
    5
  2. 02
    Kikoff
    4
  3. 03
    Grow Credit
    3
  4. 04
    Chime Credit Builder
    3

Share of mentions

CompanyShare
  1. Chime Credit Builder
    39.1%
  2. Grow Credit
    21.7%
  3. Kikoff
    21.7%
  4. Self
    17.4%
  5. Fea Card (Bits)
    0.0%
  6. Cred.ai
    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
    experian.com
    25
  2. 02
    firstcard.app
    19
  3. 03
    apps.apple.com
    15
  4. 04
    consumerfinance.gov
    9
  5. 05
    bankrate.com
    9
  6. 06
    onepay.com
    7
  7. 07
    crediful.com
    5
  8. 08
    nerdwallet.com
    5
  9. 09
    chase.com
    5
  10. 10
    vanquis.com
    4

Fea Card (Bits) is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
0/15
Gemini
0/15
OpenAI
0/15
Perplexity
0/15
Market comparisonSection 06

How Fea Card (Bits) 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
0

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

Citations
0

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

Sentiment
50

How positively AI describes the company

Site quality
87

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 lending and credit companies

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

Overall score
28
Ranks 52 of 93. Typical company: 31
Named in answers
0.0%
Ranks 56 of 93. Typical company: 3.3%
AI readiness
29
Ranks 24 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

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

Overall score
28
Ranks 29 of 62. Typical company: 28
Named in answers
0.0%
Ranks 34 of 62. Typical company: 1.7%
AI readiness
29
Ranks 16 of 62. 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. Fea Card (Bits) 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 · www.getbits.app · 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 16 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*allowed
  • ClaudeBot*allowed
  • Anthropic-AIallowed
  • Google-Extended*allowed
  • Applebot-Extended*allowed
  • Meta-ExternalAgent*allowed
  • FacebookBotallowed
  • Bytespider*allowed
  • CCBot*allowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBot*allowed
  • Claude-SearchBot*allowed
  • PerplexityBot*allowed
  • Applebotallowed
  • Amazonbot*allowed
  • YouBot*allowed

Answering questions

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

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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End of statement
All 2,219 companiesHow we measured this
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