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

Happen Bank

happen.com

Digital banks and neobanksBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
248 of 2,219
its rank by overall score
Place in its category
2nd of 32 digital banks
Closing balance

Named in

6of 60 answers

by 3 of 4 assistants

Statement note

What this means for Happen Bank

AI assistants name the digital bank Happen Bank in 10% of answers, while the typical company in its sector is not named in any. Happen Bank has an overall score of 40 out of 100, ranking 248th of 2,219 companies. Its website passes 5 of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Happen Bank by name. AI assistants named it in 6 of the 60 answers. Counting only how often it is named, it ranks 77th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
40Overall score
  • Visibility11
  • Citations0
  • Sentiment88
  • Site quality87
  • AI readiness50
Summary of account
Named by AI in
10.0%
6 of 60 answers
Share of mentions
15.4%
of the mentions of it and its 5 peers
AI readiness
5/14
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

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

  1. 01How can a high-yield savings account help with building an emergency fund?0/4
  2. 02How to resolve issues accessing my high-yield savings account online?0/4
  3. 03How do high-yield savings accounts compare to certificates of deposit for growing savings?0/4
  4. 04Which online lenders offer quick personal loans for debt consolidation?2/4
  5. 05Do online debt consolidation loans really help lower monthly payments?0/4
  6. 06Best ways to use an unsecured personal loan for a major purchase0/4
  7. 07Personal loans vs. credit cards for consolidating debt — which is better?0/4
  8. 08What are typical fees and interest rates for online personal loans in the U.S.?1/4
  9. 09Top-rated digital banking platforms for easy account management in the U.S.?1/4
  10. 10Online banks vs. traditional banks — which is better for personal loan approvals?0/4
  11. 11Is it worth getting a personal loan online to pay off high-interest debts?0/4
  12. 12Are digital-only savings accounts worth it for earning more interest?0/4
  13. 13Alternatives to online personal loans for paying off credit card debt?0/4
  14. 14What are the best online banks for high-yield savings accounts?2/4
  15. 15Why did my online personal loan application get declined?0/4
Total namedOpenAI: 1/15Claude: 0/15Perplexity: 2/15Gemini: 3/15All assistants: 6/60
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

“What are the best online banks for high-yield savings accounts?”

The best online banks for a high-yield savings account depend on whether you prioritize the highest APY, no minimum balance, easy access, or additional banking features. Current comparison lists show leading offers generally around 4% APY, though rates can change frequently.

Bank/account · Best for · Current advertised rate or feature

Happen Bank LevelUp Savings · Maximizing yield with monthly deposits · 4.00% APY when depositing at least $250 monthly.

Forbright Bank Growth Savings · A competitive rate and environmental focus · 3.85% APY. …

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
    SoFi
    8
  2. 02
    Ally Bank
    5
  3. 03
    Marcus by Goldman Sachs
    4
  4. 04
    Upgrade
    2
  5. 05
    Discover Bank
    1

Share of mentions

CompanyShare
  1. SoFi
    33.3%
  2. Happen Bank
    15.4%
  3. Ally Bank
    15.4%
  4. Marcus by Goldman Sachs
    15.4%
  5. Discover Bank
    12.8%
  6. Upgrade
    7.7%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    nerdwallet.com
    28
  2. 02
    bankrate.com
    21
  3. 03
    experian.com
    17
  4. 04
    cnbc.com
    15
  5. 05
    forbes.com
    13
  6. 06
    investopedia.com
    6
  7. 07
    finance.yahoo.com
    6
  8. 08
    consumerfinance.gov
    6
  9. 09
    moneylion.com
    5
  10. 10
    debt.org
    4

Happen Bank is in the study as a digital bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
3/15
Perplexity
2/15
OpenAI
1/15
Claude
0/15
Market comparisonSection 06

How Happen Bank 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
11

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
88

How positively AI describes the company

Site quality
87

How well built the website's own pages are

AI readiness
50

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
10.0%
Ranks 77 of 394. Typical company: 0.0%
AI readiness
50
Ranks 1 of 394. Typical company: 29
Against its categorySection 08

Compared with digital banks

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

Overall score
40
Ranks 2 of 32. Typical company: 28
Named in answers
10.0%
Ranks 8 of 32. Typical company: 0.0%
AI readiness
50
Ranks 1 of 32. 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. Happen Bank 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.txtPublished
  • 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
50 of 100
  • Markdown negotiationNot met

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

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    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 43 of 100 · 97% of checks could run · checked on October 9, 2026 · www.happen.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

5 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%
  • Passedllms.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 6 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*partly
  • ClaudeBot*partly
  • Anthropic-AI*partly
  • Google-Extended*partly
  • Applebot-Extended*partly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBot*partly
  • 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 Happen Bank

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/happen.com"><img src="https://aeo-audit.rezolve.com/finance/badges/happen.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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