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

Cleo

meetcleo.com

Personal finance and money appsBanking

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
781 of 2,219
its rank by overall score
Place in its category
14th of 30 personal finance apps
Closing balance

Named in

3of 60 answers

by 2 of 4 assistants

Statement note

What this means for Cleo

AI assistants name this personal finance app in 5% of answers, which is more often than the typical company in its sector. Its overall score is 32 out of 100, ranking 781st of 2,219 companies. The website passes 3 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Cleo by name. AI assistants named it in 3 of the 60 answers. Counting only how often it is named, it ranks 112th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
32Overall score
  • Visibility5
  • Citations0
  • Sentiment75
  • Site quality80
  • AI readiness21
Summary of account
Named by AI in
5.0%
3 of 60 answers
Share of mentions
4.7%
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
113 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

Cleo came up on 2 of 15 questions. Open any window to read that answer.

  1. 01Does it make sense to pay for a personal finance app if you’re just starting to budget?0/4
  2. 02Top personal finance management tools for people trying to save money0/4
  3. 03Are there any free personal finance tools with advanced features?0/4
  4. 04Average cost of premium features in budgeting and savings apps1/4
  5. 05Are money management apps worth it for someone with a tight budget?0/4
  6. 06How do AI-powered personal finance apps compare to traditional budgeting methods?0/4
  7. 07Other tools young adults can use for automating their savings goals0/4
  8. 08Alternatives to using an app for managing everyday spending0/4
  9. 09What are some non-app ways to build better saving habits?0/4
  10. 10What should I do if my finance app isn’t categorizing my expenses correctly?0/4
  11. 11Best way to track daily spending with a personal finance app0/4
  12. 12How can a money management app help with building an emergency fund?0/4
  13. 13Why isn’t my budgeting app syncing with my bank account?0/4
  14. 14Budgeting apps vs manual spreadsheets for tracking monthly expenses0/4
  15. 15What are the best budgeting and money tracking apps for young adults in the US?2/4
Total namedOpenAI: 2/15Claude: 1/15Perplexity: 0/15Gemini: 0/15All 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 OpenAI actually said

An answer that names the company

OpenAInamed the company

“Average cost of premium features in budgeting and savings apps”

… Cleo Plus — about $5.99/month (or ~$44.99/yr). (web.meetcleo.com)

Quicken/Simplifi — commonly in the $5–6/month range when billed annually (Simplifi often quoted ≈ $5.99/mo billed annually). (quickenhelps.com)

Rocket Money — uses a sliding-scale model (typical user choices reported about $7–$14/mo; Premium+ tiers around $15/mo). (rocketmoney.com)

Interpre

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
    YNAB (You Need A Budget)
    20
  2. 02
    PocketGuard
    17
  3. 03
    Rocket Money
    14

Share of mentions

CompanyShare
  1. YNAB (You Need A Budget)
    39.1%
  2. PocketGuard
    25.0%
  3. Rocket Money
    20.3%
  4. Simplifi by Quicken
    7.8%
  5. Cleo
    4.7%
  6. Mint by Intuit
    3.1%
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
    12
  2. 02
    nerdwallet.com
    12
  3. 03
    quicken.com
    10
  4. 04
    rocketmoney.com
    8
  5. 05
    useorigin.com
    8
  6. 06
    youtube.com
    8
  7. 07
    apps.apple.com
    7
  8. 08
    thepennyhoarder.com
    7
  9. 09
    kiplinger.com
    6
  10. 10
    cnbc.com
    5

Cleo is in the study as a personal finance app.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How Cleo 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
0

How often AI uses the company's own website as a source

Sentiment
75

How positively AI describes the company

Site quality
80

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
32
Ranks 113 of 394. Typical company: 28
Named in answers
5.0%
Ranks 112 of 394. Typical company: 0.0%
AI readiness
21
Ranks 199 of 394. Typical company: 29
Against its categorySection 08

Compared with personal finance apps

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

Overall score
32
Ranks 14 of 30. Typical company: 29
Named in answers
5.0%
Ranks 15 of 30. Typical company: 4.2%
AI readiness
21
Ranks 21 of 30. 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 1 would be possible.

The website turns away requests that do not come from a browser. AI agents that say what they are meet the same refusal.

Can an AI agent check out here?

Not by itself. Cleo 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
53 of 100
  • robots.txtPassed

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

    study: 86.1%
  • SitemapNot met

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersCould not check

    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 negotiationCould not check

    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
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
8 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryPartly 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.mdCould not check

    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 23 of 100 · 79% of checks could run · checked on October 9, 2026 · meetcleo.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

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%
  • Not metXML 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%
  • PassedOAuth 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 32 of 100 badge for Cleo

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/meetcleo.com"><img src="https://aeo-audit.rezolve.com/finance/badges/meetcleo.com.svg" alt="Overall score 32 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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