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

Tillo

tillo.com

Embedded finance and banking as a serviceFinancial technology and data

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
1,472 of 2,219
its rank by overall score
Place in its category
11th of 19 embedded finance providers
Closing balance

Named in

1of 60 answers

by 1 of 4 assistants

Statement note

What this means for Tillo

AI assistants rarely name Tillo: it appears in only 1 out of 60 answers, at the same rate as the typical company in its sector. Tillo has an overall score of 26 out of 100, which ranks it 1,472nd of 2,219 companies. 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 Tillo by name. AI assistants named it in 1 of the 60 answers. Counting only how often it is named, it ranks 267th of 574 in its sector. The typical financial technology and data company is named in 1.7% 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
26Overall score
  • Visibility2
  • Citations1
  • Sentiment50
  • Site quality73
  • AI readiness29
Summary of account
Named by AI in
1.7%
1 of 60 answers
Share of mentions
3.1%
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
418 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

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

  1. 01What pricing models are common for corporate gift card management platforms?0/4
  2. 02How do transaction fees work for bulk digital gift card purchases?0/4
  3. 03Gift card management vs. traditional prepaid cards for corporate rewards—what's better for employee engagement?0/4
  4. 04Which digital gift card solutions offer a wide variety of brand options for employee incentives?1/4
  5. 05Is investing in a gift card management solution worth it for mid-sized companies?0/4
  6. 06Why aren't recipients receiving their digital gift cards after redemption?0/4
  7. 07What are effective ways to incorporate gift card rewards in employee recognition strategies?0/4
  8. 08What features should I prioritize when choosing a platform for managing corporate incentives?0/4
  9. 09Are there open-source solutions for automating delivery of digital incentives?0/4
  10. 10How does a gift card API differ from a full-service rewards management platform?0/4
  11. 11How do I resolve issues with bulk uploading recipients on a gift card platform?0/4
  12. 12What are some alternatives to using a dedicated gift card management platform for distributing rewards?0/4
  13. 13What are the best gift card management platforms for businesses to send rewards?0/4
  14. 14How can businesses manage rewards without a third-party platform?0/4
  15. 15How can businesses use digital gift cards to drive customer loyalty programs?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 digital gift card solutions offer a wide variety of brand options for employee incentives?”

… Tillo — Provides API-based access to a global network of more than 3,000 brands, making it suitable for larger or automated incentive programs.

GiftCard Partners — Offers more than 300 brands through its Engage2Reward platform.

Giftbit — Supports bulk employee rewards and lets recipients choose from a broad global catalog of digital gift cards.

For the widest reported selection, Giftogram, PerkUp, ADR, Tillo, and InComm InCentives stand out. For simpler employee campaigns, Tremendous and Giftbit are strong options; for API-based or highly scalable prog …

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
    Giftbit
    10
  2. 02
    Giftogram
    8
  3. 03
    Tango Card
    7
  4. 04
    Tremendous
    5
  5. 05
    Rybbon
    3

Share of mentions

CompanyShare
  1. Giftbit
    31.3%
  2. Giftogram
    25.0%
  3. Tremendous
    15.6%
  4. Tango Card
    12.5%
  5. Rybbon
    12.5%
  6. Tillo
    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
    tremendous.com
    23
  2. 02
    giftbit.com
    20
  3. 03
    giftogram.com
    16
  4. 04
    matterapp.com
    11
  5. 05
    blackhawknetwork.com
    11
  6. 06
    openloyalty.io
    10
  7. 07
    sourceforge.net
    10
  8. 08
    passkit.com
    8
  9. 09
    giftcardpartners.com
    8
  10. 10
    perkupapp.com
    7

Tillo is in the study as an embedded finance provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How Tillo 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
73

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 financial technology and data companies

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

Overall score
26
Ranks 418 of 574. Typical company: 29
Named in answers
1.7%
Ranks 267 of 574. Typical company: 1.7%
AI readiness
29
Ranks 224 of 574. Typical company: 29
Against its categorySection 08

Compared with embedded finance providers

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

Overall score
26
Ranks 11 of 19. Typical company: 27
Named in answers
1.7%
Ranks 7 of 19. Typical company: 0.0%
AI readiness
29
Ranks 9 of 19. 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. Tillo 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 · www.tillo.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

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

  • 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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