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

Sphere Labs

spherepay.co

Cross-border payments and remittancesCards and payments

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,279 of 2,219
its rank by overall score
Place in its category
37th of 84 cross-border payments providers
Closing balance

Named in

1of 60 answers

by 1 of 4 assistants

Statement note

What this means for Sphere Labs

AI assistants rarely name this cross-border payments provider, with its name coming up once in 60 answers, including alongside Circle, BitPay, and Wyre. Its overall score is 27 out of 100, placing it 1,279th of 2,219 in the study. Its website passes 4 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Sphere Labs by name. AI assistants named it in 1 of the 60 answers. Counting only how often it is named, it ranks 133rd of 375 in its sector. The typical cards and payments 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
27Overall score
  • Visibility2
  • Citations1
  • Sentiment50
  • Site quality80
  • AI readiness29
Summary of account
Named by AI in
1.7%
1 of 60 answers
Share of mentions
3.6%
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
186 of 375
by overall score, where the typical cards and payments company scores 27

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Line itemsSection 01

Every question, and where the company came up

Sphere Labs came up on 1 of 15 questions. Open any window to read that answer.

  1. 01Alternatives to stablecoin APIs for rapid cross-border payments0/4
  2. 02Is there a pricing difference between no-code dashboards and API integrations for stablecoin payouts?0/4
  3. 03Does integrating global stablecoin payouts make sense for a US-based fintech startup?0/4
  4. 04What to do if stablecoin transactions are delayed when using payout APIs?0/4
  5. 05Can stablecoin payment APIs support payroll for remote international teams?0/4
  6. 06What are the top stablecoin payments APIs for fast international payouts?0/4
  7. 07What are some other options besides fiat-crypto embedded ramps for international payouts?0/4
  8. 08How do global marketplaces streamline payouts using stablecoin payment dashboards?0/4
  9. 09Embedded fiat-crypto payments solutions versus manual remittance platforms: pros and cons0/4
  10. 10Which platforms offer both developer toolkits and business dashboards for stablecoin payments?1/4
  11. 11Are stablecoin payment APIs worth it for scaling international business operations?0/4
  12. 12Common issues developers face when setting up crypto payments APIs for international use0/4
  13. 13Best global payouts platforms using crypto and fiat rails for US businesses0/4
  14. 14Typical fees associated with API-based global stablecoin payments?0/4
  15. 15How do stablecoin payments APIs compare to traditional cross-border banking APIs?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 1/15Gemini: 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 Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Which platforms offer both developer toolkits and business dashboards for stablecoin payments?”

Platforms that explicitly combine developer APIs/SDKs with business dashboards for stablecoin payments include:

SpherePay — REST APIs and SDKs for payment on/off-ramps, plus a self-service dashboard for sending, receiving, and managing payments.

ArcPay Systems — ArcPayKit APIs/SDKs, webhooks, and developer tools alongside merchant dashboards, payment links, QR codes, transaction verification, and reporting.

Beam — Developer APIs and embedded services paired with a no-code Hub for payment processing, payouts, treasury, and compliance operations.

Lumx — Stab …

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
    Circle
    11
  2. 02
    BitPay
    5
  3. 03
    Wyre
    1

Share of mentions

CompanyShare
  1. Circle
    46.4%
  2. BitPay
    28.6%
  3. Stellar Anchors (via Circle Payments API or Stellar API partners)
    17.9%
  4. Sphere Labs
    3.6%
  5. Wyre
    3.6%
  6. Ramp Network
    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
    23
  2. 02
    eco.com
    17
  3. 03
    stablecoininsider.org
    15
  4. 04
    crossmint.com
    10
  5. 05
    transfi.com
    7
  6. 06
    lightspark.com
    7
  7. 07
    bvnk.com
    7
  8. 08
    spark.money
    7
  9. 09
    toku.com
    6
  10. 10
    fireblocks.com
    6

Sphere Labs is in the study as a cross-border payments provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How Sphere Labs 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
2

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
50

How positively AI describes the company

Site quality
80

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 cards and payments companies

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

Overall score
27
Ranks 186 of 375. Typical company: 27
Named in answers
1.7%
Ranks 133 of 375. Typical company: 0.0%
AI readiness
29
Ranks 106 of 375. Typical company: 29
Against its categorySection 08

Compared with cross-border payments providers

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

Overall score
27
Ranks 36 of 84. Typical company: 27
Named in answers
1.7%
Ranks 23 of 84. Typical company: 0.0%
AI readiness
29
Ranks 26 of 84. 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. Sphere Labs 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
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
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
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 25 of 100 · 97% of checks could run · checked on October 9, 2026 · spherepay.co · 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%
  • 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

  • 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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