- Visibility27
- Citations2
- Sentiment91
- Site quality80
- AI readiness21
AI assistants name SoFi in 21.7% of answers, much more often than the typical company in the finance sector at 3.3%. SoFi has an overall score of 42 out of 100, ranking 243rd of 2,047 companies. Its website passes 3 of 14 technical checks for AI tool readiness.
We asked 15 unbranded questions about the finance market: none named SoFi. AI assistants named it in 13 of 60 answers (21.7%). The typical finance company is named in 3.3% of answers. By how often it is named, SoFi ranks 24 of 205 in its sector.
Every dot is a company in the study. Hover one to see it; click to open its report.
This companySame sectorEvery other companyNever named
Five parts, each scored out of 100.
How often AI assistants name the company
How often AI uses the company's own website as a source
How positively AI describes the company
How well built the website's own pages are
How easily AI tools can read and use the website
Visibility is calculated from the answers on this page. How the score is built.
205 companies in this sector. The line on each bar is the typical company.
An answer that names the company
“Which online services offer the most flexible personal loan options for U.S. consumers?”
For U.S. consumers, the most flexible personal loan options among the online services in your results are LightStream, Discover, SoFi, Upgrade, and OneMain Financial.
LightStream stands out for the widest repayment range in the results, with terms from 24 to 240 months for certain purposes, which gives borrowers the most room to tailor monthly payments.
Discover is notable for payment-date flexibility: you can choose your monthly due date and change it twice during the loan term, with at least a year between ch …
The AI’s answer as we received it, shortened and not checked for accuracy.
How the mentions in these answers were split between this company and its rivals
Answers naming it, out of answers received
What this website publishes for an AI agent to read, use and buy from, on a scale of six levels.
- 0
- 1
- 2
- 3
- 4
- 5
Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.
- Content Signals
The website turns away requests that do not come from a browser. AI agents that say what they are meet the same refusal.
Show every check, for your technical teamHide the checks
- study: 92.0%robots.txtPassed
A valid robots.txt with crawl rules at the site root.
- study: 86.8%SitemapPassed
An XML sitemap listing the pages, ideally referenced from robots.txt.
- study: 0.3%Link headersNot met
Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.
- study: 5.5%DNS for AI DiscoveryNot present
Advertise agent endpoints with SVCB records under _agents.
- study: 1.9%Markdown negotiationNot met
Return a markdown version when asked with Accept: text/markdown, for example at the CDN.
- study: 25.1%llms.txtNot met
Publish an llms.txt with a short summary and the key links.
- study: 93.4%AI bot rulesPartly met
Add explicit robots.txt groups for the main AI crawlers.
- study: 1.4%Content SignalsNot met
Add a Content-Signal line for search, ai-input and ai-train to robots.txt.
- study: 0.2%Web Bot AuthNot present
Only relevant if you run your own agents or crawlers: publish a signing key directory.
- study: 0.3%API CatalogNot met
List public APIs in a linkset at /.well-known/api-catalog.
- study: 11.8%OAuth discoveryNot met
Publish OpenID Connect or OAuth server metadata under /.well-known.
- study: 10.3%OAuth Protected ResourceNot met
Serve protected resource metadata at /.well-known/oauth-protected-resource.
- study: 0.0%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: 0.1%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: 33.7%WebMCPNot met
Register key actions such as search or cart as WebMCP tools.
- study: 0.1%ARD manifestNot met
Publish an ai-catalog.json listing every agent interface.
Score 24 of 100 · 100% of checks could run · checked on October 3, 2026 · sofi.com · 2,047 companies scanned
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 checksHide them
- Passedrobots.txt publishedstudy: 85.0%
- PassedXML sitemapstudy: 73.2%
- Not metHTTP Link headers (RFC 8288)study: 29.0%
- Not metMarkdown content negotiationstudy: 8.3%
- Not metllms.txt publishedstudy: 21.7%
- PassedToken budget (page weight)study: 95.2%
- Not metExplicit AI bot rulesstudy: 13.0%
- Not metAPI Catalog (.well-known/api-catalog)study: 0.2%
- Not metOAuth Authorization Server discoverystudy: 10.1%
- Not metOAuth Protected Resource discoverystudy: 9.3%
- Not metMCP Server Cardstudy: 0.0%
- Not metA2A Agent Cardstudy: 0.0%
- Not metWebMCP toolsstudy: 4.2%
- Not metAgent Skills declaredstudy: 0.0%
This website sets no rules for any AI crawler by name, like 84% of the websites whose rules we could read. Every AI crawler follows its general rules.
- GPTBotpartly
- ClaudeBotpartly
- Anthropic-AIpartly
- Google-Extendedpartly
- Applebot-Extendedpartly
- Meta-ExternalAgentpartly
- FacebookBotpartly
- Bytespiderpartly
- CCBotpartly
- Diffbotpartly
- Omgilibotpartly
- OAI-SearchBotpartly
- Claude-SearchBotpartly
- PerplexityBotpartly
- Applebotpartly
- Amazonbotpartly
- YouBotpartly
- 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.
How many times each website was listed as a source in these answers
In the study as US-listed.
- Is it a good idea to open a new credit card with a digital bank for building credit?
- What options exist for people who want to avoid online banks but still access modern financial tools?
- Which online services offer the most flexible personal loan options for U.S. consumers?
- Digital banks vs. credit unions: Which is better for first-time homebuyers?
- Why is my mobile banking app not showing recent transactions?
- Do online checking and savings accounts typically have fewer fees than brick-and-mortar banks?
- Alternatives to all-in-one digital financial platforms for personal banking and investing
- Are online-only personal loans worth considering for debt consolidation?
- How do high-yield online savings accounts compare to traditional bank savings accounts in the U.S.?
- How can an all-in-one financial platform help someone who wants to budget, invest, and borrow?
- What should I do if my online mortgage application keeps getting denied?
- Alternatives for those wanting refinancing solutions without using a digital-only platform
- Best ways to use digital platforms for refinancing student loans in the U.S.
- What are the best digital financial platforms for managing both checking and savings accounts?
- What monthly maintenance fees should I expect from digital financial service accounts?
Columns, left to right: OpenAI, Claude, Perplexity, Gemini. The AI assistants often disagree. Across the study, on 40% of the questions where a company is named, only one of the four names it.
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<a href="https://aeo-audit.rezolve.com/us/sofi.com"><img src="https://aeo-audit.rezolve.com/us/badges/sofi.com.svg" alt="Overall score 42 of 100, US AI Visibility Study 2026" width="280" height="64"></a>