agentspeed.

plaid.com

scanned 7/26/2026, 5:34:57 AM · fresh · rubric 2026.08.0
Built with Next.js
robots.txt present: passrobots.txt allows AI agents: passContent-Signal directives: failllms.txt present: passSitemap present: passLink response headers: failCanonical URL: skipMCP server card: failOAuth authorization metadata: failOAuth resource metadata: failAPI catalog / OpenAPI: failWeb Bot Auth: failMarkdown negotiation: failText-to-markup ratio: failContent without JavaScript: warnHeading hierarchy: skipCookie wall blocks content: skipPage title: skipMeta description: skipJSON-LD present: passStructured data validates: passSchema type coverage: failPaywall / login wall: skipAgent Skills manifest: failWebMCP actions: failPrimary action reachable: passReachability: passTime to first byte: passFull render time: skipPage weight: pass60/ 100 · D
Needs work

This is how AI agents (not browsers) experience plaid.com. The score weights five categories of machine-readability; the ticks on the arc are the 30 individual checks behind it.

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Top fixes

Checks tagged “emerging” are 2026 agent-protocol standards most of the web hasn’t adopted yet — adopting early is an edge, not a defect.

failLink response headersDiscoverability

No HTTP Link: response headers. Emit canonical/alternate/describedby relations so HEAD-only or stream-rendering agents get them without parsing HTML.

Fix: Emit `Link:` headers for canonical, alternate-language, and describedby relations. Agents that fetch HEAD-only or stream-render rely on these.

failText-to-markup ratioReadability

Visible text is 1.6% of HTML weight (5735/363703 bytes). Low. Markup may be crowding out agent-usable text.

Fix: Heavy ad or navigation markup crowds out agent-usable text. Aim for a text-to-DOM ratio above 15%.

warnContent without JavaScriptReadability

Browser pass unavailable; HTML looks like a JS-shell (e.g. #__next / #root). Likely JS-dependent.

Fix · Next.js: Render primary content on the server: use Server Components (App Router) or getServerSideProps/SSG (Pages Router). Avoid fetching above-the-fold content in a client useEffect, since agents don’t run it.

failSchema type coverageStructured data

Page looks like FAQPage; missing JSON-LD type(s): FAQPage.

Fix: Align JSON-LD type to page purpose. Product pages without Product markup are skipped by agent shopping flows.

failContent-Signal directivesemergingDiscoverability

No Content-Signal directives. Add e.g. `Content-Signal: ai-train=no, ai-summarize=yes` to declare granular AI usage policy beyond binary allow/disallow.

Fix: Add `Content-Signal:` directives to your robots.txt. This is the emerging standard (Cloudflare-driven) for declaring fine-grained AI usage policy beyond a binary allow/disallow.

failMCP server cardemergingDiscoverability

No valid MCP Server Card at /.well-known/mcp/server-card.json. Publish one so agents can discover your tools without HTML scraping.

Fix: Publish an MCP Server Card describing the tools your site exposes. Agents discover capabilities via `/.well-known/mcp/server-card.json`. See modelcontextprotocol.io for the schema.

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What the agent receives

The agent’s-eye view
Plaid: Enabling all companies to build fintech solutions Skip to main content Products Payments Overview Explore payments solutions Auth Verified account and routing numbers Identity Bank account-holder information Balance Real-time balance checks Signal ACH payment risk platform Transfer ACH, RTP, and FedNow payment processing Investments Move Streamline asset transfers. Unlock growth. Fraud & risk Overview Explore fraud and risk solution Identity Verification Global KYC and anti-fraud Beacon Anti-fraud network Monitor AML watchlist screening Signal ACH payment risk platform Identity Bank account-holder information Protect Fraud intelligence system Personal finance insights Overview Explore the personal finance insights solution Transactions Up to 24 months of categorized data Investments Retirement, brokerage, and crypto data Liabilities Credit card and mortgage data Enrich Cleanse and categorize internal transactions Credit underwriting Overview Explore our credit underwriting solutions Income & Underwriting Credit risk insights powered by Plaid Check LendScore A credit risk score powered by unique insights Open finance Overview Explore open finance solution Core Exchange Industry-aligned API connectivity Permissions Manager Embeddable consumer permissions management App Directory App insights to help manage risk and compliance Onboarding Overview Explore onboarding solutions Link Industry-leading bank connections for 12,000+ institutions Layer Capture identity, contact and bank info in a single click. Solutions Use cases Open finance Fraud & risk prevention Onboarding & identity verification KYC & AML compliance Income verification & underwriting Inbound bank payments Outbound bank payments Personal financial management Business financial management Earned wage access Industries AI companies Auto Banks & credit unions Billing & recurring payments Consumer lending Gaming Government & public sector Healthcare Insurance Mortgage Platforms & marketplaces Property management Developers Quickstart API documentation Libraries GitHub Product demos Resources For builders What's new Blog Library Industry resources Customer stories Events Annual conference What is Plaid Intelligent finance For users Troubleshoot account connection Trust and safety Control your data with Plaid Portal Plaid Check Consumer Help Center Pricing Log in Contact sales Turn data into revolutionary financial products Connect to real-time insights on the Plaid Network to create fast, safe, and smart financial experiences. Talk with our team Start building See how AI's shaping finance Watch now Powered by the largest financial network. Built for every financial need. See all products Bank payments designed for fast connection and high conversion Credit scoring & underwriting that reflects real-time financial behavior Fraud protection built on millions of data points Instant onboarding with the most trusted financial flow Personal financial management built on trusted, actionable data The AI infrastructure behind smarter financial products Explore intelligent finance Venmo 2m ago for late night 🌮🌮🌮 Carvana 1hr ago You're pre-qualified! Robinhood Now $PLAID order filled A network that makes your products better When you build on the world's largest financial data network, your products get smarter with every connection—helping you increase conversion, expand access, and grow faster. 1 in 2 1 in 2 banked adults in the U.S. use Plaid 0 % 25% higher onboarding conversion 1M+ Over one million daily connections 5,000 12,000 financial institutions across 20 countries Want access to 12K banks? We've got the API keys. You build the experience. We'll handle the data. Get the API keys Read the docs /auth/get 1 2 3 4 5 request = AuthGetRequest (access_token=access_token) response = client. auth_get (request) routing_number = response['numbers']['ach'][ 0 ]['routing'] account_number = response['numbers']['ach'][ 0 ]['account'] balance = response['accounts'][ 0 ]['balances']['available'] See what's possible with Plaid Previous items Next items Start building better financial products Let's get started First name Last name Company email Company name Country Phone number (optional) By submitting this form, I confirm that I have read and understood Plaid's Privacy Statement . Talk with our team When you connect to an app with Plaid, you're in control of who has access to your financial data. Manage your connections with Plaid Portal » Products Auth Identity Balance Signal Transfer Identity Verification Monitor Transactions Investments Liabilities Enrich Assets Income Underwriting Plaid Link Layer Investments Move Protect Cash Advance Index LendScore About us Company Careers Contact Partners Press Safety Legal Use cases AML & KYC Auto Banks & credit unions Billing & recurring payments Fraud & risk prevention Gaming Government & public sector Healthcare Inbound bank payments Mortgage Open finance Outbound bank payments Property management For consumers Troubleshoot account connection Trust and safety How it works Plaid Portal Delete my data End User Privacy Policy Biometric Policy FAQs Plaid Check Consumer Help Center Resources Pricing Global coverage Plaid Blog Industry resources Annual conference Customer stories Intelligent finance Developers Quickstart API documentation Libraries GitHub Product demos For financial institutions Open Finance Solution Core Exchange Permissions Manager App Directory © 2026 Plaid Inc. 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AgentSpeed score for plaid.com
<a href="https://agentspeed.com/scan/plaid.com"><img src="https://agentspeed.com/badge/plaid.com" alt="AgentSpeed agent-readiness score" height="56"></a>

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This score says whether an AI agent could read plaid.com. AI traffic analytics says whether one actually came — and which pages turned it away.

Full breakdown

10 pass1 warn12 fail7 skip
Discoverability
pass
robots.txt present
A robots.txt is reachable at the site root.
100/100
pass
robots.txt allows AI agents
All 9 answer-time access agents allowed.
100/100
fail
Content-Signal directivesemerging
No Content-Signal directives. Add e.g. `Content-Signal: ai-train=no, ai-summarize=yes` to declare granular AI usage policy beyond binary allow/disallow.
0/100
pass
llms.txt present
Found /llms.txt (341483 bytes), H1 + at least one link present. Not scored.
100/100
pass
Sitemap present
sitemap.xml reachable and referenced from robots.txt.
100/100
fail
Link response headers
No HTTP Link: response headers. Emit canonical/alternate/describedby relations so HEAD-only or stream-rendering agents get them without parsing HTML.
0/100
skip
Canonical URL
Check could not run.
fail
MCP server cardemerging
No valid MCP Server Card at /.well-known/mcp/server-card.json. Publish one so agents can discover your tools without HTML scraping.
0/100
fail
OAuth authorization metadataemerging
No RFC 8414 metadata at /.well-known/oauth-authorization-server. Agents that act on behalf of users need this to discover your authorization endpoints.
0/100
fail
OAuth resource metadataemerging
No RFC 9728 metadata at /.well-known/oauth-protected-resource. Publish it so agents can discover required scopes without hand-coded credentials.
0/100
fail
API catalog / OpenAPIemerging
No /.well-known/api-catalog (RFC 9727) and no /openapi.json|yaml. Publish one so agents that integrate with APIs can discover your endpoints.
0/100
fail
Web Bot Authemerging
No Web Bot Auth JWKS at /.well-known/http-message-signatures-directory.json. Publish one to allow trusted agents while keeping a default-deny posture for the rest.
0/100
Readability
fail
Markdown negotiationemerging
Accept: text/markdown returns HTML, not markdown. Serve a markdown variant of primary content when requested; agents summarize and cite it more reliably.
0/100
fail
Text-to-markup ratio
Visible text is 1.6% of HTML weight (5735/363703 bytes). Low. Markup may be crowding out agent-usable text.
12/100
warn
Content without JavaScript
Browser pass unavailable; HTML looks like a JS-shell (e.g. #__next / #root). Likely JS-dependent.
50/100
skip
Heading hierarchy
Check could not run.
skip
Cookie wall blocks content
Check could not run.
skip
Page title
Check could not run.
skip
Meta description
Check could not run.
Structured data
pass
JSON-LD present
Found 1 JSON-LD block.
100/100
pass
Structured data validates
No block used a type this validator checks, so nothing could be validated. 1 block(s) skipped — type outside the set we check.
100/100
fail
Schema type coverage
Page looks like FAQPage; missing JSON-LD type(s): FAQPage.
0/100
Actionability
skip
Paywall / login wall
Check could not run.
fail
Agent Skills manifestemerging
No Agent Skills manifest at /.well-known/agent-skills.json. Enumerate the tasks agents can perform (search, add-to-cart, contact-support) so they pick the right one without scraping.
0/100
fail
WebMCP actionsemerging
No WebMCP detected. On pages with first-class actions (cart, support, account), embed a WebMCP server so on-page agents invoke tools directly.
0/100
pass
Primary action reachable
Primary offering identified ("Fintech infrastructure and APIs for financial data connectiv") with price/CTA ("Talk with our team").
100/100
pass
Reachability
HTTP 200.
100/100
Performance
pass
Time to first byte
TTFB 144ms. Healthy.
100/100
skip
Full render time
Full-render time unavailable (browser pass skipped or failed).
pass
Page weight
Initial document is a lean 355 KB.
100/100
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