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
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MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Modern Treasury

moderntreasury.com

Banking and fintech infrastructureFinancial technology and data

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
465 of 2,219
its rank by overall score
Place in its category
63rd of 315 fintech infrastructure companies
Closing balance

Named in

9of 60 answers

by 4 of 4 assistants

Statement note

What this means for Modern Treasury

AI assistants name this fintech infrastructure company in 15% of answers, much more often than the typical company in its sector at 1.7%. Its overall score is 37 out of 100, ranking 465th of 2,219. The website passes 6 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Modern Treasury by name. AI assistants named it in 9 of the 60 answers. Counting only how often it is named, it ranks 76th of 574 in its sector. The typical financial technology and data company is named in 1.7% of answers.

Overall score
37Overall score
  • Visibility17
  • Citations3
  • Sentiment75
  • Site quality73
  • AI readiness43
Summary of account
Named by AI in
15.0%
9 of 60 answers
Share of mentions
22.5%
of the mentions of it and its 5 peers
AI readiness
6/14
technical checks passed. Typical for its sector: 4
Rank in its sector
152 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

Modern Treasury came up on 5 of 15 questions. Open any window to read that answer.

  1. 01How can US-based product teams streamline onboarding and compliance for new payments solutions?0/4
  2. 02Best ways to handle embedded finance payouts without a dedicated payment operations API platform?1/4
  3. 03How do you resolve failed payout issues in a payments API integration?0/4
  4. 04How effective are automated reconciliation APIs for companies scaling money movement products?0/4
  5. 05What’s the difference between API-first payment platforms and manual reconciliation tools for managing payouts?0/4
  6. 06Is a programmable accounts API for payments worth it for a fintech startup?1/4
  7. 07What are the best payment operations API platforms for automating money movement in fintech products?3/4
  8. 08How can product teams automate ledgering for multi-rail payments in their apps?0/4
  9. 09How can fintech teams launch payroll and rewards disbursements using a unified payment API?0/4
  10. 10What are common onboarding errors when connecting to a money movement API platform?0/4
  11. 11Payment operations API vs traditional banking integrations: Which is better for launching embedded payments?0/4
  12. 12What are alternatives to API-powered payment operations for automating compliance and reconciliation?0/4
  13. 13What are typical pricing models for API-first payment operations platforms in the United States?1/4
  14. 14Best ways to manage stablecoin and fiat payments programmatically via API in the US?3/4
  15. 15How do US payment automation APIs structure fees for onboarding, reconciliation, and payouts?0/4
Total namedOpenAI: 4/15Claude: 3/15Perplexity: 1/15Gemini: 1/15All assistants: 9/60
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

An answer that names the company

Claudenamed the company

“What are the best payment operations API platforms for automating money movement in fintech products?”

Based on current fintech industry practices, here are the best payment operations API platforms for automating money movement:

Payment Operations & Reconciliation

Modern Treasury automates payment ops, real-time reconciliation, and ledgering across ACH, RTP, and wire transfers. It's best for payment operations, reconciliation, and ledgering—tracking money movement, reconciling it against your ledger, and keeping audit trails clean.

Bank Transfer & ACH Platforms

Dwolla is an API-first payment platform built around bank payment rails – ACH, Same Day ACH, Real-Time Payments, and …

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
    Unit
    6
  2. 02
    Moov
    1
  3. 03
    Increase
    1
  4. 04
    Stripe Treasury
    1

Share of mentions

CompanyShare
  1. Stripe Treasury
    60.0%
  2. Modern Treasury
    22.5%
  3. Unit
    12.5%
  4. Increase
    2.5%
  5. Moov
    2.5%
  6. Middesk Treasury
    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
    stripe.com
    14
  2. 02
    fintechspecs.com
    9
  3. 03
    dashdevs.com
    9
  4. 04
    tipalti.com
    7
  5. 05
    routable.com
    7
  6. 06
    moderntreasury.com (its own website)
    7
  7. 07
    connectpay.com
    6
  8. 08
    apideck.com
    6
  9. 09
    lightspark.com
    5
  10. 10
    whop.com
    5

Modern Treasury is in the study as a fintech infrastructure company.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

OpenAI
4/15
Claude
3/15
Gemini
1/15
Perplexity
1/15
Market comparisonSection 06

How Modern Treasury 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
17

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

Citations
3

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

Sentiment
75

How positively AI describes the company

Site quality
73

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 financial technology and data companies

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

Overall score
37
Ranks 152 of 574. Typical company: 29
Named in answers
15.0%
Ranks 76 of 574. Typical company: 1.7%
AI readiness
43
Ranks 29 of 574. Typical company: 29
Against its categorySection 08

Compared with fintech infrastructure companies

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

Overall score
37
Ranks 63 of 315. Typical company: 28
Named in answers
15.0%
Ranks 28 of 315. Typical company: 1.7%
AI readiness
43
Ranks 17 of 315. 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. Modern Treasury 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
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
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    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 43 of 100 · 97% of checks could run · checked on October 9, 2026 · www.moderntreasury.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%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • PassedExplicit 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 rules for 12 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*partly
  • ClaudeBot*partly
  • Anthropic-AI*partly
  • Google-Extended*partly
  • Applebot-Extended*partly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBot*partly
  • Claude-SearchBot*partly
  • PerplexityBot*partly
  • Applebot*partly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-User*partly
  • Claude-User*partly
  • Perplexity-User*partly
  • 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 37 of 100 badge for Modern Treasury

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/moderntreasury.com"><img src="https://aeo-audit.rezolve.com/finance/badges/moderntreasury.com.svg" alt="Overall score 37 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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