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

XTransfer

xtransfer.com

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.
404 of 2,219
its rank by overall score
Place in its category
13th of 84 cross-border payments providers
Closing balance

Named in

7of 60 answers

by 3 of 4 assistants

Statement note

What this means for XTransfer

AI assistants name XTransfer in 11.7% of answers, more often than the typical company in its sector. Its overall score is 38 out of 100, ranking 404th of 2,219 in the study. The website passes 5 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned XTransfer by name. AI assistants named it in 7 of the 60 answers. Counting only how often it is named, it ranks 63rd of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
38Overall score
  • Visibility11
  • Citations12
  • Sentiment79
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
11.7%
7 of 60 answers
Share of mentions
9.9%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
59 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

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

  1. 01Why might a wire transfer to an overseas supplier get delayed or rejected using a B2B platform?0/4
  2. 02Can small businesses use local banks as an alternative to specialized global payment services?0/4
  3. 03How can international B2B payment platforms help streamline supplier payments for ecommerce businesses?0/4
  4. 04Are there any non-bank solutions for handling B2B payments in multiple currencies?1/4
  5. 05What’s the best way to collect funds from global buyers if you run a freelance agency?0/4
  6. 06Is using a specialized global payment platform worth it for medium-sized import/export businesses?0/4
  7. 07What is the best cross-border payments platform for small businesses trading internationally?2/4
  8. 08Which B2B payment solutions are most reliable for global trade settlements?1/4
  9. 09How do multi-currency B2B platforms compare to traditional bank transfers for international payments?2/4
  10. 10What are common issues when receiving payments from overseas clients as a small business?0/4
  11. 11Do B2B cross-border payment platforms really save time and money for US-based businesses?0/4
  12. 12How do foreign exchange rates and transaction fees work on B2B payment platforms?0/4
  13. 13Are there monthly fees for maintaining a global business account with a cross-border payment provider?0/4
  14. 14What are the differences between dedicated cross-border B2B payment services and using standard business bank accounts?0/4
  15. 15What are some alternatives to using online B2B payment platforms for international trade?1/4
Total namedOpenAI: 0/15Claude: 3/15Perplexity: 2/15Gemini: 2/15All assistants: 7/60
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 Gemini actually said

An answer that names the company

Gemininamed the company

“How do multi-currency B2B platforms compare to traditional bank transfers for international payments?”

Multi-currency B2B platforms generally offer significant advantages over traditional bank transfers for international payments, particularly for businesses making regular supplier payments. These advantages include lower costs, faster settlement times, greater transparency, and improved user experience xtransfer.com, sendmoneycompare.com, acctual.com.

Here's a detailed comparison:

1. Costs …

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
    Airwallex
    17
  2. 02
    Payoneer
    12
  3. 03
    OFX
    3
  4. 04
    Veem
    1

Share of mentions

CompanyShare
  1. Airwallex
    32.4%
  2. Wise Business (formerly TransferWise)
    31.0%
  3. Payoneer
    19.7%
  4. XTransfer
    9.9%
  5. OFX
    5.6%
  6. Veem
    1.4%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    xtransfer.com (its own website)
    28
  2. 02
    airwallex.com
    26
  3. 03
    wise.com
    22
  4. 04
    worldfirst.com
    14
  5. 05
    ramp.com
    9
  6. 06
    remitly.com
    9
  7. 07
    tipalti.com
    6
  8. 08
    payoneer.com
    6
  9. 09
    chargeflow.io
    5
  10. 10
    bvnk.com
    5

XTransfer 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

Claude
3/15
Gemini
2/15
Perplexity
2/15
OpenAI
0/15
Market comparisonSection 06

How XTransfer 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
11

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

Citations
12

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

Sentiment
79

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
36

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
38
Ranks 59 of 375. Typical company: 27
Named in answers
11.7%
Ranks 63 of 375. Typical company: 0.0%
AI readiness
36
Ranks 41 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
38
Ranks 13 of 84. Typical company: 27
Named in answers
11.7%
Ranks 13 of 84. Typical company: 0.0%
AI readiness
36
Ranks 10 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. XTransfer 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.xtransfer.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

5 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%
  • 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 8 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*partly
  • ClaudeBot*partly
  • Anthropic-AIpartly
  • Google-Extended*partly
  • Applebot-Extended*partly
  • Meta-ExternalAgentpartly
  • FacebookBot*partly
  • Bytespider*partly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBot*partly
  • Applebotpartly
  • Amazonbot*partly
  • 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 38 of 100 badge for XTransfer

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/xtransfer.com"><img src="https://aeo-audit.rezolve.com/finance/badges/xtransfer.com.svg" alt="Overall score 38 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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