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

Venmo

venmo.com

Digital wallets and person to person paymentsCards and payments

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
120 of 2,219
its rank by overall score
Place in its category
5th of 29 digital wallets
Closing balance

Named in

37of 60 answers

by 4 of 4 assistants

Statement note

What this means for Venmo

AI assistants name Venmo in 61.7% of answers, much more often than the typical company in its sector. Its overall score is 42 out of 100, ranking 120th of 2,219 companies. Venmo's website passes 3 of 14 technical checks for how ready the site is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Venmo by name. AI assistants named it in 37 of the 60 answers. Counting only how often it is named, it ranks 4th of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
42Overall score
  • Visibility46
  • Citations1
  • Sentiment66
  • Site quality73
  • AI readiness21
Summary of account
Named by AI in
61.7%
37 of 60 answers
Share of mentions
23.7%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
23 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

Venmo came up on 13 of 15 questions. Open any window to read that answer.

  1. 01How can I fix a payment failure on a mobile money transfer app?0/4
  2. 02How can I use a mobile payments app to send a group gift?3/4
  3. 03Easiest apps for splitting rent with roommates4/4
  4. 04Best ways to pay friends without using a payment app2/4
  5. 05Simple ways to split utilities between multiple people using payment apps4/4
  6. 06Are instant transfer fees worth it on money transfer apps?1/4
  7. 07Best mobile apps for paying friends back instantly in the US4/4
  8. 08Do mobile payment apps charge for topping up your account balance?2/4
  9. 09Why would a peer-to-peer payment transfer be delayed?1/4
  10. 10Digital wallet vs mobile payment app for group dinner bills4/4
  11. 11Peer-to-peer payment apps vs traditional bank transfers for small payments4/4
  12. 12Is it safe to use a mobile payments app to send money to strangers?2/4
  13. 13Alternatives to mobile money transfer apps for splitting bills2/4
  14. 14What are typical fees for instant money transfers on peer-to-peer payment apps?4/4
  15. 15How to send money securely if someone doesn't use money transfer apps0/4
Total namedOpenAI: 10/15Claude: 11/15Perplexity: 7/15Gemini: 9/15All assistants: 37/60
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

“Best mobile apps for paying friends back instantly in the US”

For most people in the US, Venmo, Zelle, and Cash App are the best choices for paying friends back quickly. The right option depends mainly on whether your friends already use the same app and whether you need funds deposited into a bank account immediately.

App · Best for · Speed · Typical fees and caveats

Venmo · Everyday friend-to-friend payments and splitting bills · Payments are typically immediate within Venmo; bank withdrawals take 1–3 business days, or are faster for a fee · Sending from a bank account or balance is generally free; instant withdra …

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
    Zelle
    36
  2. 02
    PayPal
    32
  3. 03
    Cash App
    11
  4. 04
    Google Pay
    6

Share of mentions

CompanyShare
  1. Venmo
    23.7%
  2. Zelle
    23.1%
  3. Cash App
    19.9%
  4. PayPal
    19.2%
  5. Google Pay
    7.1%
  6. Apple Cash
    7.1%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    chime.com
    16
  2. 02
    cash.app
    8
  3. 03
    wise.com
    8
  4. 04
    paypal.com
    7
  5. 05
    transferfees.io
    7
  6. 06
    splittyapp.com
    6
  7. 07
    splitmyexpenses.com
    6
  8. 08
    moneylion.com
    6
  9. 09
    finance.yahoo.com
    6
  10. 10
    experian.com
    5

Venmo is in the study as a digital wallet.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
11/15
OpenAI
10/15
Gemini
9/15
Perplexity
7/15
Market comparisonSection 06

How Venmo 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
46

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
66

How positively AI describes the company

Site quality
73

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 cards and payments companies

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

Overall score
42
Ranks 23 of 375. Typical company: 27
Named in answers
61.7%
Ranks 4 of 375. Typical company: 0.0%
AI readiness
21
Ranks 216 of 375. Typical company: 29
Against its categorySection 08

Compared with digital wallets

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

Overall score
42
Ranks 5 of 29. Typical company: 29
Named in answers
61.7%
Ranks 2 of 29. Typical company: 3.3%
AI readiness
21
Ranks 16 of 29. 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. Venmo 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 · venmo.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%
  • PassedXML 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%
  • 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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ShareSection 12

Share this result

Overall score 42 of 100 badge for Venmo

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/venmo.com"><img src="https://aeo-audit.rezolve.com/finance/badges/venmo.com.svg" alt="Overall score 42 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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