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

Kiro Money

joinkiro.com

Embedded finance and banking as a serviceFinancial technology and data

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
655 of 2,219
its rank by overall score
Place in its category
7th of 19 embedded finance providers
Closing balance

Named in

1of 60 answers

by 1 of 4 assistants

Statement note

What this means for Kiro Money

AI assistants rarely name this embedded finance provider, with the company appearing in 1 of 60 answers. Its overall score is 35 out of 100, ranking 655th of 2,219 companies, which is above the typical company in its sector. The website passes 4 out of 14 technical checks on how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Kiro Money by name. AI assistants named it in 1 of the 60 answers. Counting only how often it is named, it ranks 267th of 574 in its sector. The typical financial technology and data company is named in 1.7% 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
35Overall score
  • Visibility5
  • Citations1
  • Sentiment100
  • Site quality67
  • AI readiness29
Summary of account
Named by AI in
1.7%
1 of 60 answers
Share of mentions
16.7%
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
199 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

Kiro Money came up on 1 of 15 questions. Open any window to read that answer.

  1. 01What features should I look for when choosing a financial intelligence platform for a fintech app?0/4
  2. 02What should I do if my financial intelligence platform can’t access real-time user account data?0/4
  3. 03Is implementing a financial intelligence API worth it for a mid-sized digital bank?0/4
  4. 04What other solutions can fintechs use instead of AI-driven financial intelligence platforms?0/4
  5. 05What factors can affect the cost of integrating a financial intelligence API into a digital banking platform?0/4
  6. 06What are the best AI-powered financial coaching APIs for digital banks?1/4
  7. 07How are financial coaching API services typically priced for fintech companies?0/4
  8. 08What are the practical applications of an AI-powered financial intelligence API in a credit union's mobile app?0/4
  9. 09How can a digital bank use embedded AI financial coaching to help users manage cash flow?0/4
  10. 10What are good alternatives to embedded financial coaching APIs for personalized user guidance?0/4
  11. 11Why isn’t my financial coaching API delivering actionable insights to users?0/4
  12. 12Do financial coaching APIs help improve customer engagement for fintech platforms?0/4
  13. 13Best ways for fintech startups to offer personalized financial guidance to customers using APIs?0/4
  14. 14AI financial coaching API vs. manual financial advisor—what are the main differences for fintech integration?0/4
  15. 15How do financial intelligence APIs compare to traditional financial planning tools for embedded guidance?0/4
Total namedOpenAI: 1/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 1/60
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 AI-powered financial coaching APIs for digital banks?”

… Kiro Money — AI financial coach and action engine with an enterprise/self‑service API aimed at banks and credit unions; highlights: conversational coaching, action automation (moves, saves, splits), banking integrations and enterprise SLAs. Good if you want a full conversational agent + actions platform. (joinkiro.com)

Taffrail — “Advice-as-a-Service” API for personalized recommendations inside brokerages and banks; positions itself to reduce regulatory burden by delivering objective, short action recommendations via an Advice Builder and API. Good if you n …

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.

Share of mentions

CompanyShare
  1. MX
    50.0%
  2. Personetics
    33.3%
  3. Kiro Money
    16.7%
  4. FinGoal
    0.0%
  5. aplazame (Tuum, formerly Modularbank)
    0.0%
  6. Zogo Finance
    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
    biz4group.com
    7
  2. 02
    meniga.com
    6
  3. 03
    truthifi.com
    6
  4. 04
    lorikeetcx.ai
    5
  5. 05
    dashdevs.com
    5
  6. 06
    creditunionwebsolutions.com
    5
  7. 07
    intellias.com
    4
  8. 08
    appinventiv.com
    4
  9. 09
    useorigin.com
    4
  10. 10
    moneythor.com
    3

Kiro Money 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

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

How Kiro Money 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
5

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
67

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 financial technology and data companies

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

Overall score
35
Ranks 199 of 574. Typical company: 29
Named in answers
1.7%
Ranks 267 of 574. Typical company: 1.7%
AI readiness
29
Ranks 224 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
35
Ranks 5 of 19. Typical company: 27
Named in answers
1.7%
Ranks 7 of 19. Typical company: 0.0%
AI readiness
29
Ranks 9 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. Kiro Money 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
25 of 100
  • Markdown negotiationNot met

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

    study: 6.2%
  • llms.txtPartly met

    Publish an llms.txt with a short summary and the key links.

    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 31 of 100 · 97% of checks could run · checked on October 9, 2026 · www.joinkiro.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%
  • 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

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • 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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End of statement
All 2,219 companiesHow we measured this
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