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

Instant Financial

instant.co

Digital wallets and person to person paymentsCards and payments

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
272 of 2,219
its rank by overall score
Place in its category
9th of 29 digital wallets
Closing balance

Named in

3of 60 answers

by 3 of 4 assistants

Statement note

What this means for Instant Financial

AI assistants name this digital wallet in 5% of answers, while the typical company in its sector is not named in any. Its overall score is 40 out of 100, ranking 272nd of 2,219 companies in the study. Its website passes 5 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Instant Financial by name. AI assistants named it in 3 of the 60 answers. Counting only how often it is named, it ranks 106th of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
40Overall score
  • Visibility7
  • Citations6
  • Sentiment100
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
5.0%
3 of 60 answers
Share of mentions
10.7%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
42 of 375
by overall score, where the typical cards and payments company scores 27

Get the full report on Instant Financial as a PDF

Enter your work email to download it.

We’ll use your email to follow up about this report. Privacy policy

Line itemsSection 01

Every question, and where the company came up

Instant Financial came up on 1 of 15 questions. Open any window to read that answer.

  1. 01What other options exist besides instant wage access for providing flexible pay?0/4
  2. 02Digital tip payment platforms vs traditional cash tip outs: pros and cons0/4
  3. 03Is offering instant wage access worth it for US employers with high turnover?0/4
  4. 04Ways hospitality employers can use flexible pay to motivate employees0/4
  5. 05Why might an employee not receive their earned wage access deposit instantly?0/4
  6. 06What are the main benefits of earned wage access for hourly workers in the hospitality industry?0/4
  7. 07How do digital tip platforms typically charge employers for their services?0/4
  8. 08Alternatives to pay cards for delivering same-day pay to employees0/4
  9. 09Are there earned wage access providers with no transaction fees for workers?0/4
  10. 10Common issues setting up digital tip payouts for hourly staff0/4
  11. 11Best digital tip payout platforms for restaurants with large staffs0/4
  12. 12Where can US hospitality managers find platforms supporting both earned wage access and digital tip payouts?3/4
  13. 13Earned wage access vs early direct deposit: what's the difference for employees?0/4
  14. 14Do digital tip payment solutions help reduce payroll administration time?0/4
  15. 15How do earned wage access platforms help retain seasonal workers in retail?0/4
Total namedOpenAI: 0/15Claude: 1/15Perplexity: 1/15Gemini: 1/15All assistants: 3/60
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

“Where can US hospitality managers find platforms supporting both earned wage access and digital tip payouts?”

US hospitality managers can find both earned wage access (EWA) and digital tip payouts through these platforms:

Instant Financial — Combines earned-wage access, real-time digital tips, instant payments, and payroll cards; it integrates with systems such as ADP and Paychex.

Branch for Hospitality — Offers end-of-shift digital tip payouts and free EWA, including access to up to 50% of earned wages.

Instant Pay / Instant Tips — An ADP-integrated option that provides pre-payday wage access and electronic, real-time tip distribution for restaurants, hotels, and o …

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
    10
  2. 02
    Payactiv
    9
  3. 03
    Branch
    5
  4. 04
    Rain
    3

Share of mentions

CompanyShare
  1. DailyPay
    32.1%
  2. Payactiv
    25.0%
  3. Branch
    21.4%
  4. Instant Financial
    10.7%
  5. Rain
    10.7%
  6. Wisely by ADP
    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
    instant.co (its own website)
    25
  2. 02
    workstream.us
    19
  3. 03
    branchapp.com
    18
  4. 04
    dailypay.com
    17
  5. 05
    etip.com
    13
  6. 06
    tapcheck.com
    10
  7. 07
    7shifts.com
    8
  8. 08
    tiphaus.com
    8
  9. 09
    kickfin.com
    8
  10. 10
    payactiv.com
    7

Instant Financial is in the study as a digital wallet.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How Instant Financial 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
7

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
100

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
36

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 cards and payments companies

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

Overall score
40
Ranks 42 of 375. Typical company: 27
Named in answers
5.0%
Ranks 106 of 375. Typical company: 0.0%
AI readiness
36
Ranks 41 of 375. Typical company: 29
Against its categorySection 08

Compared with digital wallets

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

Overall score
40
Ranks 9 of 29. Typical company: 29
Named in answers
5.0%
Ranks 14 of 29. Typical company: 3.3%
AI readiness
36
Ranks 3 of 29. 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. Instant Financial 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
72 of 100
  • robots.txtPassed

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

    study: 86.1%
  • SitemapPartly met

    Serve an XML sitemap and reference it 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
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 35 of 100 · 97% of checks could run · checked on October 9, 2026 · www.instant.co · 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%
  • PassedHTTP 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

  • 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.

Take it with you

Get the full report on Instant Financial as a PDF

Every number on this page in a PDF you can keep and share with your team. Enter your work email to download it.

We’ll use your email to follow up about this report. Privacy policy

ShareSection 12

Share this result

Overall score 40 of 100 badge for Instant Financial

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/instant.co"><img src="https://aeo-audit.rezolve.com/finance/badges/instant.co.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
Next step

Want AI assistants to name your company?

Book a 30-minute demo to see Rezolve Ai in action and what it can do for your business.

Request a demo