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

Lunar

lunar.app

Digital banks and neobanksBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,160 of 2,219
its rank by overall score
Place in its category
15th of 32 digital banks
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for Lunar

AI assistants do not name this digital bank in any of their 60 answers. Its overall score is 28 out of 100, matching the typical company in its sector, and it ranks 1,160th of 2,219 companies. The website passes 3 of 14 technical checks, which relates to how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Lunar by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 188th of 394 in its sector. The typical banking company is named in 0.0% 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 quality93
  • AI readiness21
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
3/14
technical checks passed. Typical for its sector: 3
Rank in its sector
166 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

Lunar came up on 0 of 15 questions. Open any window to read that answer.

  1. 01Which free digital banking apps help you earn interest on your account balance?0/4
  2. 02How do digital banking platforms compare to traditional banks for personal savings?0/4
  3. 03Do free digital banking platforms really have no hidden fees?0/4
  4. 04Is opening a digital-only checking account worth it for personal banking?0/4
  5. 05Which personal budgeting tools can be used if you don't want to switch to a digital bank?0/4
  6. 06How do mobile banking apps support people trying to stick to a monthly budget?0/4
  7. 07What are the best mobile-first digital banking platforms for managing budgets and saving money?0/4
  8. 08What are the best digital banking features for someone looking to save money automatically?0/4
  9. 09How much interest can you realistically earn in a digital banking platform compared to a regular savings account?0/4
  10. 10Where can I open a free mobile bank account quickly in the US?0/4
  11. 11Why am I unable to receive positive interest on my digital bank account?0/4
  12. 12What are good alternatives to mobile-first digital banking apps for managing everyday spending?0/4
  13. 13Mobile banking apps vs. online-only banks: which is better for budgeting features?0/4
  14. 14Are no-fee mobile banking platforms actually safe and reliable?0/4
  15. 15How can I fix issues with moving funds between my digital banking app and linked accounts?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 Claude actually said

The company is not named in this answer

Claudedid not name the company

“Which free digital banking apps help you earn interest on your account balance?”

Several free digital banking apps help you earn interest on your account balance:

High-Interest Checking Accounts:

Bask Bank Interest Checking is a straightforward interest-bearing checking account that charges no monthly account fee and doesn't require customers to maintain a minimum balance to earn its base APY.

SoFi's online Checking and Savings account offers competitive interest rates on both checking and savings, and this is a combined checking and savings account that earns interest on both savings and checking balances.

The Ally Bank Spending Account delivers with 0.10% APY on …

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
    Ally Bank
    11
  2. 02
    Chime
    9
  3. 03
    Current
    5
  4. 04
    Varo Bank
    1
  5. 05
    SoFi Money
    1

Share of mentions

CompanyShare
  1. Ally Bank
    34.9%
  2. Chime
    30.2%
  3. Varo Bank
    23.3%
  4. Current
    9.3%
  5. SoFi Money
    2.3%
  6. Lunar
    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
    forbes.com
    15
  2. 02
    bankrate.com
    11
  3. 03
    finance.yahoo.com
    11
  4. 04
    financebuzz.com
    7
  5. 05
    finder.com
    7
  6. 06
    moneysavingexpert.com
    6
  7. 07
    raisin.com
    5
  8. 08
    cnbc.com
    5
  9. 09
    nerdwallet.com
    4
  10. 10
    greenfi.com
    4

Lunar is in the study as a digital bank.

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 Lunar 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
93

How well built the website's own pages are

AI readiness
21

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
28
Ranks 166 of 394. Typical company: 28
Named in answers
0.0%
Ranks 188 of 394. Typical company: 0.0%
AI readiness
21
Ranks 199 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
28
Ranks 14 of 32. Typical company: 28
Named in answers
0.0%
Ranks 14 of 32. Typical company: 0.0%
AI readiness
21
Ranks 23 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 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers

Some checks could not run. With them, up to level 2 would be possible.

Can an AI agent check out here?

Not by itself. Lunar 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
52 of 100
  • robots.txtCould not check

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    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
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
  • AI bot rulesCould not check

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsCould not check

    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 11 of 100 · 67% of checks could run · checked on October 9, 2026 · www.lunar.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

3 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

  • 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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End of statement
All 2,219 companiesHow we measured this
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