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

Mercury

mercury.com

Small business banking and lendingBanking

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
69 of 2,219
its rank by overall score
Place in its category
3rd of 38 small business banking providers
Closing balance

Named in

17of 60 answers

by 4 of 4 assistants

Statement note

What this means for Mercury

AI assistants name Mercury in 28.3% of answers, while the typical company in its sector is named in 0%. Mercury has an overall score of 44 out of 100, ranking 69th of 2,219 companies. Its website passes 6 of 14 technical checks for AI readiness.

We asked 15 unbranded questions about its market, so no question mentioned Mercury by name. AI assistants named it in 17 of the 60 answers. Counting only how often it is named, it ranks 15th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
44Overall score
  • Visibility25
  • Citations2
  • Sentiment93
  • Site quality80
  • AI readiness43
Summary of account
Named by AI in
28.3%
17 of 60 answers
Share of mentions
21.8%
of the mentions of it and its 5 peers
AI readiness
6/14
technical checks passed. Typical for its sector: 3
Rank in its sector
9 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

Mercury came up on 8 of 15 questions. Open any window to read that answer.

  1. 01Is it worth switching to an online business banking platform for a startup?1/4
  2. 02How can small businesses resolve issues with instant credit card issuance through an online banking platform?0/4
  3. 03Which digital banking solutions are most popular with small businesses looking for integrated financial tools?3/4
  4. 04What are the best alternatives to online-only banking for small businesses?1/4
  5. 05Are integrated banking and accounting tools helpful for small business financial management?0/4
  6. 06What are the main differences between digital-first business banking services and standard business checking accounts?0/4
  7. 07What types of fees should startups expect when opening a digital business banking account?1/4
  8. 08What should I do if I have trouble connecting my accounting software to a digital banking dashboard?0/4
  9. 09Are there any free or low-cost online business banking options for US entrepreneurs?3/4
  10. 10How do online business banking platforms compare to traditional small business bank accounts?0/4
  11. 11How can scaling companies streamline payments and invoicing using a digital business banking service?0/4
  12. 12What features do online banking platforms offer to simplify expense management for startups?0/4
  13. 13Which business banking platforms in the US support fast online applications and approval for new companies?3/4
  14. 14What are the best online business banking platforms for startups in the US?3/4
  15. 15What financial solutions can startups use if they need both online and in-person banking options?2/4
Total namedOpenAI: 1/15Claude: 6/15Perplexity: 4/15Gemini: 6/15All assistants: 17/60
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

“What are the best online business banking platforms for startups in the US?”

For most US startups, the strongest online options are Mercury, Brex, Ramp, Rho, and Relay. The best choice depends on whether the priority is startup banking, venture-backed spending, expense controls, yield, or simple small-business checking.

Platform · Best for · Main strengths · Watch-outs

Mercury · Tech startups and venture-backed companies · No-minimum banking, startup-focused tools, free USD wires, treasury options, and investor-friendly features · Fintech rather than a traditional bank; cash deposits and eligibility may be limited

Brex · V …

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
    Brex
    18
  2. 02
    Novo
    18
  3. 03
    Bluevine
    17
  4. 04
    Relay
    16

Share of mentions

CompanyShare
  1. Mercury
    21.8%
  2. Brex
    21.8%
  3. Bluevine
    21.8%
  4. Novo
    19.2%
  5. Relay
    15.4%
  6. Oxygen
    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
    rho.co
    26
  2. 02
    bluevine.com
    25
  3. 03
    brex.com
    21
  4. 04
    fitsmallbusiness.com
    15
  5. 05
    airwallex.com
    14
  6. 06
    relayfi.com
    13
  7. 07
    quickbooks.intuit.com
    9
  8. 08
    wise.com
    8
  9. 09
    ofx.com
    7
  10. 10
    business.bankofamerica.com
    7

Mercury is in the study as a small business banking provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
6/15
Claude
6/15
Perplexity
4/15
OpenAI
1/15
Market comparisonSection 06

How Mercury 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
25

How often AI assistants name the company, and how that compares with its peers

Citations
2

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

Sentiment
93

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 banking companies

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

Overall score
44
Ranks 9 of 394. Typical company: 28
Named in answers
28.3%
Ranks 15 of 394. Typical company: 0.0%
AI readiness
43
Ranks 8 of 394. Typical company: 29
Against its categorySection 08

Compared with small business banking providers

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

Overall score
44
Ranks 3 of 38. Typical company: 29
Named in answers
28.3%
Ranks 4 of 38. Typical company: 1.7%
AI readiness
43
Ranks 3 of 38. 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. Mercury 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 CardPublished
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogPublished
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
100 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 headersPassed

    HTTP Link headers on the homepage that point agents at machine readable resources.

    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
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
48 of 100
  • API CatalogPassed

    A linkset at /.well-known/api-catalog listing APIs, specs and docs.

    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.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardPartly 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 manifestPassed

    An ai-catalog.json listing MCP servers, agents, skills and APIs.

    study: 0.2%

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

  • 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

  • PassedAPI 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 44 of 100 badge for Mercury

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/mercury.com"><img src="https://aeo-audit.rezolve.com/finance/badges/mercury.com.svg" alt="Overall score 44 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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