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

Highnote

highnote.com

Embedded finance and banking as a serviceFinancial technology and data

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
258 of 2,219
its rank by overall score
Place in its category
2nd of 19 embedded finance providers
Closing balance

Named in

5of 60 answers

by 4 of 4 assistants

Statement note

What this means for Highnote

AI assistants name Highnote in 8.3% of answers, which is more often than the typical company in its sector at 1.7%. Highnote has an overall score of 40 out of 100, ranking 258th of 2,219 companies. Its website passes 6 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Highnote by name. AI assistants named it in 5 of the 60 answers. Counting only how often it is named, it ranks 130th of 574 in its sector. The typical financial technology and data company is named in 1.7% of answers.

Overall score
40Overall score
  • Visibility9
  • Citations1
  • Sentiment100
  • Site quality80
  • AI readiness43
Summary of account
Named by AI in
8.3%
5 of 60 answers
Share of mentions
11.6%
of the mentions of it and its 5 peers
AI readiness
6/14
technical checks passed. Typical for its sector: 4
Rank in its sector
73 of 574
by overall score, where the typical financial technology and data company scores 29

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Line itemsSection 01

Every question, and where the company came up

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

  1. 01What pricing models are typical for embedded payments infrastructure platforms in the US?0/4
  2. 02Is an embedded payments platform worth it for enterprises managing multiple financial products?0/4
  3. 03What's the difference between card issuing platforms and all-in-one payments infrastructure providers?0/4
  4. 04How do usage fees work for API-driven card issuing and acquiring services?0/4
  5. 05What should developers check if real-time ledgering isn't syncing with money movement modules?0/4
  6. 06Which unified payments infrastructure solutions are recommended for fintech startups in the US?1/4
  7. 07What are the best embedded payments platforms for launching modern financial products?1/4
  8. 08Should a fintech startup choose a unified payments infrastructure or piece together separate solutions?0/4
  9. 09Best practices for integrating real-time credit and money movement into custom financial apps?0/4
  10. 10How can businesses use unified issuing and acquiring platforms to scale payments programs?0/4
  11. 11Common integration challenges with embedded payments platforms and how to resolve them?0/4
  12. 12What are the leading alternatives to unified payments infrastructure for launching new card programs?1/4
  13. 13Alternative options for real-time ledgering without using an all-in-one embedded payments platform?0/4
  14. 14Best platforms for businesses wanting to quickly launch and manage card issuing and acquiring in one solution?2/4
  15. 15Embedded payments APIs vs traditional payment gateways—how do they compare for scaling financial products?0/4
Total namedOpenAI: 1/15Claude: 2/15Perplexity: 1/15Gemini: 1/15All assistants: 5/60
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

An answer that names the company

OpenAInamed the company

“What are the best embedded payments platforms for launching modern financial products?”

Short answer

Top embedded-payments / embedded-finance platforms (good starting shortlist in 2026): Stripe Treasury & Stripe Issuing, Marqeta, Unit, Treasury Prime, Galileo (SoFi Tech Solutions), Synctera, and Marqeta competitors / card specialists like Lithic and Highnote. Which is “best” depends on your use case (card issuance vs. deposit/ledgers vs. account-to-account rails vs. program scale). (openbankingtracker.com)

How I chose these (short)

Broad market coverage in 2025–2026 reviews and market maps of embedded-fi …

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
    Marqeta
    19
  2. 02
    Treasury Prime
    10
  3. 03
    Unit
    9

Share of mentions

CompanyShare
  1. Marqeta
    32.6%
  2. Treasury Prime
    20.9%
  3. Galileo Financial Technologies
    16.3%
  4. Unit
    16.3%
  5. Highnote
    11.6%
  6. Synapse
    2.3%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    stripe.com
    37
  2. 02
    connectpay.com
    14
  3. 03
    whop.com
    11
  4. 04
    openbankingtracker.com
    11
  5. 05
    sdk.finance
    10
  6. 06
    adyen.com
    9
  7. 07
    airwallex.com
    9
  8. 08
    crassula.io
    7
  9. 09
    guideflow.com
    6
  10. 10
    fisglobal.com
    6

Highnote is in the study as an embedded finance provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How Highnote 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
9

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
100

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
43

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 financial technology and data companies

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

Overall score
40
Ranks 73 of 574. Typical company: 29
Named in answers
8.3%
Ranks 130 of 574. Typical company: 1.7%
AI readiness
43
Ranks 29 of 574. Typical company: 29
Against its categorySection 08

Compared with embedded finance providers

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

Overall score
40
Ranks 2 of 19. Typical company: 27
Named in answers
8.3%
Ranks 4 of 19. Typical company: 0.0%
AI readiness
43
Ranks 1 of 19. 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. Highnote 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
100 of 100
  • Markdown negotiationPassed

    Requests sent with Accept: text/markdown receive a markdown version of the page.

    study: 6.2%
  • llms.txtPassed

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

    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 47 of 100 · 97% of checks could run · checked on October 9, 2026 · highnote.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

6 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

  • PassedMarkdown content negotiationstudy: 7.4%
  • Passedllms.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 Highnote

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