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

Zelle

zelle.com

Digital wallets and person to person paymentsCards and payments

Money20/20 attendee

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

Named in

41of 60 answers

by 4 of 4 assistants

Statement note

What this means for Zelle

AI assistants name this digital wallet in 68.3% of answers, much more often than the typical company in its sector. Zelle has an overall score of 45 out of 100, ranking 43rd of 2,219 companies and 8th in its sector. Its website passes 3 of 14 technical checks for how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Zelle by name. AI assistants named it in 41 of the 60 answers. Counting only how often it is named, it ranks 2nd of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
45Overall score
  • Visibility50
  • Citations1
  • Sentiment66
  • Site quality80
  • AI readiness21
Summary of account
Named by AI in
68.3%
41 of 60 answers
Share of mentions
24.1%
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
8 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

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

  1. 01Are there fees for instant money transfers between US bank accounts?4/4
  2. 02How do peer-to-peer bank transfers compare to mobile wallet payments?3/4
  3. 03Do peer-to-peer payment platforms in the US charge for sending or receiving money?4/4
  4. 04Why might a money transfer not go through when using a peer-to-peer payment app?0/4
  5. 05Is using a digital money transfer service worth it for small, everyday payments?4/4
  6. 06How can I use peer-to-peer payments to pay my share of utilities each month?3/4
  7. 07Are peer-to-peer payment apps secure for sharing expenses with family?3/4
  8. 08Which digital money transfer services are easiest to use for splitting rent with roommates?4/4
  9. 09What are the best peer-to-peer payment platforms for sending money to friends in the US?4/4
  10. 10What are some alternatives to direct bank-to-bank money transfer platforms?1/4
  11. 11What are common ways people in the US use instant digital money transfers with friends and family?4/4
  12. 12Are there other ways to send money electronically besides peer-to-peer apps?1/4
  13. 13Which money transfer services work fastest for payments between US banks?4/4
  14. 14Direct-to-bank transfers vs reloadable prepaid card payment platforms—what are the main differences?0/4
  15. 15What should I do if I accidentally send money to the wrong person through a digital payment platform?2/4
Total namedOpenAI: 11/15Claude: 8/15Perplexity: 9/15Gemini: 13/15All assistants: 41/60
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 OpenAI actually said

An answer that names the company

OpenAInamed the company

“Which digital money transfer services are easiest to use for splitting rent with roommates?”

Short answer — for most roommates the easiest choices are Venmo, Zelle, Cash App, and using a ledger app (Splitwise) plus one of those for settlement. Which is best depends on whether you want a built‑in split tool, direct bank transfers, or a persistent ledger.

Quick comparison and when to pick each

Venmo — easiest for group splits and requests (built‑in “Split” flow to request from multiple people, social feed). Best when everyone already has Venmo and you want a quick, visible request/settle flow. Downsides: money can sit in the Venmo wallet unless cashed out; social feed if you care abo …

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
    PayPal
    43
  2. 02
    Venmo
    42
  3. 03
    Cash App
    9

Share of mentions

CompanyShare
  1. Zelle
    24.1%
  2. Venmo
    23.5%
  3. PayPal
    21.8%
  4. Cash App
    20.0%
  5. Google Pay (US)
    10.6%
  6. POPmoney
    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
    bankrate.com
    19
  2. 02
    paypal.com
    19
  3. 03
    chime.com
    12
  4. 04
    wise.com
    11
  5. 05
    nerdwallet.com
    9
  6. 06
    experian.com
    8
  7. 07
    gocardless.com
    8
  8. 08
    usbank.com
    7
  9. 09
    cnbc.com
    6
  10. 10
    chase.com
    6

Zelle is in the study as a digital wallet.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
13/15
OpenAI
11/15
Perplexity
9/15
Claude
8/15
Market comparisonSection 06

How Zelle 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
50

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
80

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
45
Ranks 8 of 375. Typical company: 27
Named in answers
68.3%
Ranks 2 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
45
Ranks 2 of 29. Typical company: 29
Named in answers
68.3%
Ranks 1 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. Zelle 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 negotiationCould not check

    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 28 of 100 · 86% of checks could run · checked on October 9, 2026 · www.zelle.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 45 of 100 badge for Zelle

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/zelle.com"><img src="https://aeo-audit.rezolve.com/finance/badges/zelle.com.svg" alt="Overall score 45 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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