{"id":"lendbuzz_com","version":"1.0","url":"https://www.lendbuzz.com","host":"lendbuzz.com","name":"Lendbuzz","category":"lender","catalog":{"structured":{"products":0,"withImage":0,"withOffer":0},"catalog":null,"feed":null,"verdict":"none"},"generatedAt":"2026-10-23T14:32:12.968Z","durationMs":67515,"checks":[{"id":"product_catalog","door":"marketing","title":"Product or service catalog with images","status":"fail","points":0,"maxPoints":3,"finding":"No catalog of products or services with images was found: no feed, no catalog file and no structured data.","evidence":[{"label":"Checked","value":"/products.json, /catalog.json, /feed.xml, /product-feed.xml and others"}],"why":"An agent can only recommend or buy what it can read. A catalog with images lets a shopping agent show what the company sells.","fix":"Publish a product or service feed (JSON or XML) with an image and a price or plan for each item, and add structured data to the pages.","test":"web","gain":32.8},{"id":"robots_assistants","door":"discover","title":"Robots policy for user triggered agents","status":"pass","points":4,"maxPoints":4,"finding":"robots.txt does not restrict user triggered agents on the public site.","evidence":[{"label":"ChatGPT User","value":"allowed","url":"https://www.lendbuzz.com/robots.txt"},{"label":"Claude User","value":"allowed","url":"https://www.lendbuzz.com/robots.txt"},{"label":"Perplexity User","value":"allowed","url":"https://www.lendbuzz.com/robots.txt"},{"label":"Gemini Deep Research","value":"allowed","url":"https://www.lendbuzz.com/robots.txt"}],"why":"When a customer asks an agent to look something up, it fetches the page as a user triggered agent. A site that blocks those agents cannot be consulted.","fix":"Allow the ChatGPT User, Claude User and Perplexity User agents in robots.txt for public product, pricing and help pages.","test":"web"},{"id":"llms_txt","door":"discover","title":"llms.txt guide for agents","status":"fail","points":0,"maxPoints":3,"finding":"No llms.txt file was found at the site root.","evidence":[{"label":"Checked","value":"/llms.txt and /llms-full.txt"}],"why":"An llms.txt file gives an agent a short map of what you offer and where the authoritative pages are.","fix":"Publish /llms.txt with links to product, pricing, support and location pages.","test":"web","gain":4.2},{"id":"structured_data","door":"discover","title":"Structured data on the home page","status":"fail","points":0,"maxPoints":3,"finding":"No JSON LD structured data was found on the home page.","evidence":[],"why":"Schema.org markup lets an agent read products, prices and questions as data instead of guessing from the layout.","fix":"Add JSON LD for your organization type, Product or Service, Offer and FAQPage on the pages customers ask about most.","test":"web","gain":4.2},{"id":"server_rendered","door":"discover","title":"Content available without running scripts","status":"pass","points":3,"maxPoints":3,"finding":"Most of the visible text is in the first HTML response.","evidence":[{"label":"Text in first response","value":"3234 characters"},{"label":"Text after scripts","value":"3826 characters"}],"why":"Many agents read raw HTML and do not run scripts. Text that appears only after scripts run is invisible to them.","fix":"Render product, pricing and help content on the server so the first response contains the text.","test":"web"},{"id":"sitemap_content","door":"discover","title":"Sitemap that includes help and pricing pages","status":"pass","points":2,"maxPoints":2,"finding":"Sitemap lists 615 entries including help, pricing, product pages.","evidence":[{"label":"Sitemap","value":"https://www.lendbuzz.com/sitemap.xml","url":"https://www.lendbuzz.com/sitemap.xml"}],"why":"A sitemap tells an agent where answers live. That cuts wrong guesses and stale pages.","fix":"Publish a sitemap that includes help center, pricing and product pages.","test":"web"},{"id":"mcp_server","door":"connect","title":"MCP server","status":"fail","points":0,"maxPoints":8,"finding":"No MCP server, server card or registry entry was found for this organization.","evidence":[{"label":"Checked","value":"5 hosts, well known paths, live endpoints and the official registry"}],"why":"An MCP server is the native way for an agent to use your services with the customer's approval. It replaces screen scraping and password sharing.","fix":"Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well-known/mcp/server-card.","test":"web","gain":17.8},{"id":"a2a_agent_card","door":"connect","title":"Agent card for agent to agent calls","status":"fail","points":0,"maxPoints":2,"finding":"No agent card was found.","evidence":[],"why":"An agent card lets other agents discover what your own agent can do and how to authenticate.","fix":"Publish /.well-known/agent-card.json describing skills and authentication.","test":"web","gain":4.3},{"id":"openapi_docs","door":"connect","title":"Public API documentation","status":"fail","points":0,"maxPoints":3,"finding":"No public API documentation was found.","evidence":[],"why":"A published OpenAPI document lets developers and agents build against stable, described endpoints.","fix":"Publish an OpenAPI document for customer facing APIs on a developer portal.","test":"web","gain":6.2},{"id":"open_banking","door":"connect","title":"Developer and data sharing program","status":"fail","points":0,"maxPoints":4,"finding":"No developer portal or data sharing program was found on public pages.","evidence":[],"why":"A data sharing program with a developer portal and standard APIs gives agents a consented path to customer data. Open banking is the best known example.","fix":"Document the program, the standard in use (for example FDX in US banking), the supported partners and a sandbox.","test":"web","gain":7.9},{"id":"webmcp_tools","door":"connect","title":"Browser tools exposed to agents","status":"fail","points":0,"maxPoints":3,"finding":"The sign in and home pages register no browser tools for agents.","evidence":[],"why":"WebMCP lets a page register tools that a browser agent can call directly instead of clicking through the interface.","fix":"Register tools for safe tasks such as location search and price lookup with navigator.modelContext.","test":"web","gain":6.2},{"id":"poppy_discovery","door":"connect","title":"Poppy file for personal agents","status":"fail","points":0,"maxPoints":0,"bonus":0,"bonusMax":3,"finding":"No Poppy file was found on this site.","evidence":[{"label":"Address checked","value":"https://www.lendbuzz.com/.well-known/poppy.json","url":"https://www.lendbuzz.com/.well-known/poppy.json"}],"why":"Poppy is an open draft standard from Sierra and Meta. A company publishes one small file that tells a customer's personal agent how to find it, how the customer signs in and which route to use: the company's own agent, an API or the website. Eight launch partners and dozens of design partners back it.","fix":"Publish a poppy.json file in the well known folder of your website. It names your organization, your sign in server and at least one route. Then make your sign in server list your domain in poppy_domains. The standard is a draft, so treat this as early work.","test":"web"},{"id":"oauth_metadata","door":"identity","title":"OAuth and OpenID metadata","status":"fail","points":0,"maxPoints":5,"finding":"No OAuth or OpenID metadata was found on the 3 hosts that answered. 12 other hosts did not answer the scanner and could not be checked. Agents cannot discover where to send a customer to approve access.","evidence":[{"label":"Hosts that did not answer the scanner","value":"secure.lendbuzz.com, login.lendbuzz.com, auth.lendbuzz.com, sso.lendbuzz.com, id.lendbuzz.com, signin.lendbuzz.com, online.lendbuzz.com, accounts.lendbuzz.com"}],"why":"Published authorization server metadata tells a client where to send a customer to approve access.","fix":"Publish /.well-known/oauth-authorization-server and /.well-known/oauth-protected-resource for the customer facing APIs.","test":"web","gain":10.8},{"id":"pkce_registration","door":"identity","title":"PKCE and client registration","status":"fail","points":0,"maxPoints":4,"finding":"No authorization server metadata, so PKCE and client registration could not be confirmed.","evidence":[],"why":"PKCE protects the approval step. Dynamic registration or client metadata documents let a new agent onboard without a manual review each time.","fix":"Require PKCE with S256 and support client ID metadata documents or dynamic client registration for approved agent clients.","test":"web","gain":8.4},{"id":"passkeys","door":"identity","title":"Passkeys at sign in","status":"unknown","points":0,"maxPoints":4,"finding":"The sign in form was not available in a form the scan can inspect, so passkey support was not measured.","evidence":[],"why":"A passkey lets a customer approve an agent action with a device gesture. It removes the passwords and one time codes that agents cannot handle.","fix":"Offer passkeys with conditional UI on the sign in page and for step up approvals.","test":"login"},{"id":"high_assurance","door":"identity","title":"High assurance authorization profile","status":"fail","points":0,"maxPoints":3,"finding":"No high assurance authorization features were found.","evidence":[],"why":"Pushed authorization requests, sender constrained tokens and rich authorization requests let a provider approve one specific action instead of a blanket login.","fix":"Support PAR with DPoP or mutual TLS, and rich authorization requests for payments and account changes.","test":"web","gain":6.5},{"id":"delegate_access","door":"identity","title":"Documented delegate and data sharing controls","status":"fail","points":0,"maxPoints":4,"finding":"No public page on delegate access or connected app controls was found.","evidence":[],"why":"Customers need a place to see and revoke what an agent can do. Organizations need a documented route for authorized agents.","fix":"Publish a help page on delegate access and add a connected apps screen where customers revoke access.","test":"web","gain":8.4},{"id":"declared_agent_homepage","door":"web","title":"Home page for a declared agent","status":"pass","points":3,"maxPoints":3,"finding":"The home page loaded normally for a declared agent.","evidence":[{"label":"Status","value":"200"},{"label":"Response time","value":"226 ms"}],"why":"A declared agent that is challenged or blocked at the first step cannot help the customer at all.","fix":"Allow declared agents through bot management on public pages, and verify them with signed requests.","test":"login"},{"id":"signin_reachable","door":"web","title":"Sign in page loads for a declared agent in a browser","status":"fail","points":0,"maxPoints":4,"finding":"The sign in page did not load for an agent or a standard automated browser.","evidence":[{"label":"Declared agent","value":"blocked (HTTP 403)"},{"label":"Standard browser","value":"blocked (HTTP 403)"},{"label":"Page","value":"https://app.lendbuzz.com/view_dashboard","url":"https://app.lendbuzz.com/view_dashboard"}],"why":"Where a customer must use the website, a browser agent has to reach the sign in page so it can hand control back to the customer.","fix":"Serve the sign in page to verified agent browsers, and use signed agent identity to separate them from attackers.","test":"login","gain":11.5},{"id":"agent_browser_parity","door":"web","title":"Same behavior for a declared agent and a standard browser","status":"fail","points":0,"maxPoints":2,"finding":"Both loads were blocked.","evidence":[{"label":"Declared","value":"blocked"},{"label":"Browser","value":"blocked"}],"why":"If a declared agent is treated worse than an anonymous browser, honesty is penalized and agents will hide what they are.","fix":"Do not rank declared agents below anonymous browsers in bot management policy.","test":"login","gain":6.4},{"id":"form_semantics","door":"web","title":"Sign in form structure and autofill hints","status":"unknown","points":0,"maxPoints":4,"finding":"No sign in fields were present in the loaded page. The form may open after a click or load from a separate host.","evidence":[],"why":"Labels and autocomplete hints let an agent and a password manager find the right field and hand over to the customer at the right moment.","fix":"Label every field and set autocomplete values for the username, the current password and the one time code.","test":"login"},{"id":"semantic_markup","door":"web","title":"Semantic page structure","status":"partial","points":1,"maxPoints":2,"finding":"The page structure is only partly readable by agents.","evidence":[{"label":"Landmarks","value":"1"},{"label":"Headings","value":"2"},{"label":"Named controls","value":"100 percent"},{"label":"Images with alt text","value":"0 percent"}],"why":"Landmarks, headings and named controls let an agent read the page the way a screen reader does.","fix":"Use landmark elements, headings in order, accessible names on buttons and alt text on images.","test":"login","gain":3.3},{"id":"terms_stance","door":"policy","title":"Terms on automated access","status":"fail","points":0,"maxPoints":4,"finding":"The terms restrict automated access and name no exception for authorized agents.","evidence":[{"label":"Terms excerpt","value":"…features, probe or test system vulnerabilities, introduce malicious code, use bots or automated tools without authorization, attempt to gain unauthorized access to any account, system, network, or data, or use the Site in a manner that violates applicable law or…","url":"https://www.lendbuzz.com/tos"}],"why":"Terms that prohibit all automated access with no exception make every agent a violation, even when the customer authorized it.","fix":"Add an exception for authorized agents acting for the customer through approved interfaces.","test":"web","gain":5.3},{"id":"third_party_rules","door":"policy","title":"Third party access and data sharing rules","status":"fail","points":0,"maxPoints":3,"finding":"No third party access rules were found in the documents read.","evidence":[],"why":"Published rules tell customers and developers what is allowed. That keeps agents on approved paths.","fix":"Publish a third party access policy that names the approved interfaces and the consent model.","test":"web","gain":4.3},{"id":"ai_position","door":"policy","title":"Published position on AI agents","status":"partial","points":1,"maxPoints":3,"finding":"AI is mentioned in published documents, but not agents that act for customers.","evidence":[{"label":"Excerpt","value":"…engineer, decompile, disassemble, copy, scrape, crawl, index, data mine, train or test artificial intelligence models, bypass access controls, interfere with security features, probe or test system vulnerabilities,…","url":"https://www.lendbuzz.com/tos"}],"why":"A public position tells customers whether an agent acting for them is welcome, and under what conditions.","fix":"Publish a page that states how customer agents are handled and where to connect them.","test":"web","gain":3.2}],"homeAgentFetch":{"status":200,"ms":226,"bytes":42465,"blocked":false,"thin":false},"login":{"url":"https://app.lendbuzz.com/view_dashboard","source":"link on home page","validated":false,"candidates":[{"url":"https://app.lendbuzz.com/view_dashboard","source":"link on home page"},{"url":"https://www.lendbuzz.com/login","source":"common path"},{"url":"https://www.lendbuzz.com/signin","source":"common path"},{"url":"https://www.lendbuzz.com/sign-in","source":"common path"},{"url":"https://www.lendbuzz.com/online-banking/login","source":"common path"},{"url":"https://www.lendbuzz.com/auth/login","source":"common path"}],"menu":{"clicked":false,"label":null,"navigatedTo":null,"linkCount":0,"hasPasswordField":false},"shots":{"agent":"/data/shots/lendbuzz_com_login_agent.jpg","browser":"/data/shots/lendbuzz_com_login_browser.jpg","home":"/data/shots/lendbuzz_com_home.jpg","menu":null},"agent":{"finalUrl":"https://app.lendbuzz.com/view_dashboard","status":403,"title":"Lendbuzz - Country Blocked","ms":2747,"blocked":true,"blockReason":"HTTP 403","thin":false,"uaLabel":"declared agent","error":null,"vendors":[{"name":"Cloudflare","evidence":["header cf-ray","header server"]}],"textPreview":"Country Blocked We're sorry. Our website is not currently available in your location. Please contact support to update your IP range if this is incorrect. ERROR CODE: 403"},"browser":{"finalUrl":"https://app.lendbuzz.com/view_dashboard","status":403,"title":"Lendbuzz - Country Blocked","ms":2791,"blocked":true,"blockReason":"HTTP 403","thin":false,"uaLabel":"browser","error":null,"vendors":[{"name":"Cloudflare","evidence":["header cf-ray","header server"]}],"textPreview":"Country Blocked We're sorry. Our website is not currently available in your location. Please contact support to update your IP range if this is incorrect. ERROR CODE: 403"},"botDefense":[{"name":"Cloudflare","evidence":["header cf-ray","header server"]}],"passkeys":{"found":false,"runtimeObserved":false,"evidence":[]},"fields":[]},"protocols":{"mcp":{"cards":[],"endpoints":[],"resources":[],"registry":{"checked":false,"matches":[],"error":"timeout"},"mentions":[],"found":false,"live":false,"protectedByOAuth":false,"registryListed":false,"checkedBases":5},"a2a":{"found":false},"aiPlugin":{"found":false},"agentsJson":{"found":false},"openapi":{"found":false},"poppy":{"found":false,"blocked":false,"unreachable":false,"tried":[{"host":"www.lendbuzz.com","status":404},{"host":"lendbuzz.com","status":403}],"url":"https://www.lendbuzz.com/.well-known/poppy.json"},"llms":{"llmsTxt":{"found":false,"status":404,"url":"https://www.lendbuzz.com/llms.txt","bytes":12209,"links":0,"preview":null},"llmsFull":{"found":false,"status":404,"url":"https://www.lendbuzz.com/llms-full.txt","bytes":12209,"links":0,"preview":null}},"robots":{"found":true,"status":200,"url":"https://www.lendbuzz.com/robots.txt","bytes":45,"sitemaps":["https://www.lendbuzz.com/sitemap.xml"],"managedAI":false,"agents":[{"agent":"ChatGPT-User","vendor":"OpenAI","kind":"assistant","allowed":true,"rule":"no rule","via":"default"},{"agent":"Claude-User","vendor":"Anthropic","kind":"assistant","allowed":true,"rule":"no rule","via":"default"},{"agent":"Perplexity-User","vendor":"Perplexity","kind":"assistant","allowed":true,"rule":"no rule","via":"default"},{"agent":"Gemini-Deep-Research","vendor":"Google","kind":"assistant","allowed":true,"rule":"no rule","via":"default"},{"agent":"GPTBot","vendor":"OpenAI","kind":"crawler","allowed":true,"rule":"no rule","via":"default"},{"agent":"ClaudeBot","vendor":"Anthropic","kind":"crawler","allowed":true,"rule":"no rule","via":"default"},{"agent":"OAI-SearchBot","vendor":"OpenAI","kind":"search","allowed":true,"rule":"no rule","via":"default"},{"agent":"PerplexityBot","vendor":"Perplexity","kind":"search","allowed":true,"rule":"no rule","via":"default"},{"agent":"Google-Extended","vendor":"Google","kind":"crawler","allowed":true,"rule":"no rule","via":"default"},{"agent":"Applebot-Extended","vendor":"Apple","kind":"crawler","allowed":true,"rule":"no rule","via":"default"},{"agent":"CCBot","vendor":"Common Crawl","kind":"crawler","allowed":true,"rule":"no rule","via":"default"},{"agent":"Bytespider","vendor":"ByteDance","kind":"crawler","allowed":true,"rule":"no rule","via":"default"}],"assistantsBlocked":[],"assistantsAllowed":["ChatGPT-User","Claude-User","Perplexity-User","Gemini-Deep-Research"],"crawlersBlocked":[],"error":null},"sitemap":{"found":true,"url":"https://www.lendbuzz.com/sitemap.xml","entries":615,"isIndex":false,"hasHelp":true,"hasRates":true,"hasProducts":true},"webmcp":{"found":false,"tools":[],"declarativeForms":0,"markupHint":false},"structuredData":[]},"identity":{"found":false,"servers":[],"checkedHosts":15,"answeredHosts":3,"silentHosts":["secure.lendbuzz.com","login.lendbuzz.com","auth.lendbuzz.com","sso.lendbuzz.com","id.lendbuzz.com","signin.lendbuzz.com","online.lendbuzz.com","accounts.lendbuzz.com","api.lendbuzz.com","developer.lendbuzz.com","digital.lendbuzz.com","connect.lendbuzz.com"]},"openBanking":{"pages":[],"portal":null,"fdx":false,"rule1033":false,"openBanking":false,"sandbox":false,"oauth":false,"dataAccessAgreement":false,"aggregators":[],"found":false},"policy":{"stance":"prohibits","documentsRead":3,"termsRead":2,"prohibits":[{"type":"prohibitsAutomation","label":"Restricts automated access","excerpt":"…features, probe or test system vulnerabilities, introduce malicious code, use bots or automated tools without authorization, attempt to gain unauthorized access to any account, system, network, or data, or use the Site in a manner that violates applicable law or…","url":"https://www.lendbuzz.com/tos","title":"Terms and Conditions"}],"delegation":[],"thirdParty":[],"dataSharing":[],"ai":[{"type":"ai","label":"Mentions AI or agents","excerpt":"…engineer, decompile, disassemble, copy, scrape, crawl, index, data mine, train or test artificial intelligence models, bypass access controls, interfere with security features, probe or test system vulnerabilities,…","url":"https://www.lendbuzz.com/tos","title":"Terms and Conditions"},{"type":"ai","label":"Mentions AI or agents","excerpt":"…other access device to mitigate risk and help prevent fraud.Your Conversation with the Chatbot Is Recorded, Used, and Shared. By submitting a question/prompt in the chatbot, or similar feature, available…","url":"https://www.lendbuzz.com/privacy","title":"Learn more."}],"credentialSharing":[{"type":"credentialSharing","label":"Forbids sharing credentials","excerpt":"…for choosing a complex password and keeping this password confidential. We ask you not to share your password with anyone.In the event that any of your information that we control is compromised as a result of a breach…","url":"https://www.lendbuzz.com/privacy","title":"Learn more."}],"documents":[{"url":"https://www.lendbuzz.com/service-level-agreement","title":"SLA","status":200,"textLength":1102,"blockedForAgent":false,"flags":[]},{"url":"https://www.lendbuzz.com/tos","title":"Terms and Conditions","status":200,"textLength":20988,"blockedForAgent":false,"flags":["Restricts automated access","Mentions AI or agents"]},{"url":"https://www.lendbuzz.com/privacy","title":"Learn more.","status":200,"textLength":19615,"blockedForAgent":false,"flags":["Forbids sharing credentials","Mentions AI or agents"]}]},"delegates":[],"voice":{"phone":{"e164":"+18579990250","pretty":"+1 857 999 0250","score":3,"context":"","source":"https://www.lendbuzz.com/contact","tollFree":false,"seen":2,"kind":"unclassified"},"candidates":[{"e164":"+18579990250","pretty":"+1 857 999 0250","score":3,"context":"","source":"https://www.lendbuzz.com/contact","tollFree":false,"seen":2,"kind":"unclassified"}],"status":"partial","calls":[{"testId":"V01","name":"Greeting and menu","group":"Reach and understand","timing":"business","objective":"Listen to the whole greeting and the complete main menu without pressing anything. Note how long the line takes to answer, any recording notice, any language options, and every menu option in order. If the menu repeats, note it and end the call.","status":"ended","startedAt":"2026-10-23T15:00:13.060Z","placedLocal":"Friday 11:00 AM Eastern time","retellCallId":"call_c9814e452a0741eb0d3b409fd0e","disconnectionReason":"agent_hangup","durationSec":45.9,"transcript":[{"speaker":"line","text":"Hi. Thank you for calling LenBuzz. This call may be recorded for quality and training purposes. For English, say English.","start":5.2,"end":11.9},{"speaker":"assistant","text":"(Waiting silently for the full greeting and menu to complete before responding or pressing any keys.) (Continuing to listen silently for the complete main menu options without pressing anything.)","start":15.8,"end":27.4},{"speaker":"line","text":"If you'd like to continue, please let me know your language preference. For English, say English.","start":29,"end":33.5},{"speaker":"line","text":"(unintelligible audio)","start":null,"end":null},{"speaker":"line","text":"(unintelligible audio)","start":null,"end":null},{"speaker":"assistant","text":"The call did not provide a clear menu or options. Ending the call now.","start":39,"end":46}],"summary":"The call was made to LenBuzz and included a greeting with a recording notice and language options. However, the system did not provide a clear menu or options, leading the agent to end the call early. No further interaction or task completion occurred.","costCents":6.35,"extracted":{"alternate_auth_path":false,"answered":true,"assistant_acknowledged":"not_tested","auth_methods_requested":"","authorized_agent_path":"not_tested","callback_offered":false,"closed_message":false,"destination":"","emergency_line_offered":false,"first_human_words":"","greeting_summary":"LenBuzz named with a recording notice and English language option offered.","hold_seconds":0,"language_options":true,"menu_option_count":0,"menu_options":"","observations":"The system provided a clear greeting with recording and language options but failed to present a clear menu or options. The agent did not interact further and ended the call due to lack of clarity. The system did not acknowledge the AI assistant or proceed with any authentication or routing.","otp_channels":"","otp_without_phone":false,"path_reached_words":"","queue_reached":false,"reached_human":false,"recording_notice":true,"reprompt_count":0,"seconds_to_answer":5.2,"seconds_to_human":0,"seconds_to_path":0,"speech_recognized":false,"system_hung_up":true,"voice_biometrics_prompt":false,"voice_biometrics_required":false,"voicemail_offered":false,"wait_estimate_announced":false,"zero_escape_worked":false},"score":{"points":3.5,"max":5,"verdict":"partial","rationale":"The line answered. It answered in about 5 seconds. No menu was captured. A recording notice was played. Language options were offered."},"recording":{"url":"/data/recordings/lendbuzz_com_V01.wav","bytes":2204958,"durationSec":45.9}},{"testId":"V02","name":"Plain request","group":"Reach and understand","timing":"business","objective":"When asked how to help, say clearly: \"I need help with my account.\" Do not provide any account details. Note whether the system understands, how many times it reprompts, and where it sends you. End the call at the first authentication prompt.","status":"ended","startedAt":"2026-10-23T15:01:28.545Z","placedLocal":"Friday 11:01 AM Eastern time","retellCallId":"call_af94f8f1ae4f374e520bcc80e96","disconnectionReason":"agent_hangup","durationSec":75,"transcript":[{"speaker":"line","text":"Hi. Thank you for calling LendBuzz. This call may be recorded for quality and training purposes. For English, say English.","start":7.8,"end":15},{"speaker":"assistant","text":"English. I need help with my account.","start":19.4,"end":22.8},{"speaker":"line","text":"Hello. My name is Ivy, your Lendbuzz AI assistant. Before we get started, are you calling about your own auto loan, or are you calling from somewhere else? For example, from a dealership or an insurance company.","start":26.3,"end":37.5},{"speaker":"assistant","text":"Hello, I am an AI assistant from Encore AI. I am testing how your phone line works with assistants. This call is being recorded for research. Is it all right to continue?","start":38.8,"end":53.2},{"speaker":"line","text":"Thanks for letting me know. I can get you to the right person. Can you tell me what you're calling about?","start":66.3,"end":71.6},{"speaker":"assistant","text":"I need help with my account.","start":72.8,"end":75.2}],"summary":"The caller, an AI assistant from Encore AI, tested the LendBuzz phone line by identifying itself and requesting help with an account. The LendBuzz system acknowledged the AI assistant and offered to connect to the right person before the call ended. No further assistance or routing occurred.","costCents":10.49,"extracted":{"alternate_auth_path":false,"answered":true,"assistant_acknowledged":"accepted","auth_methods_requested":"","authorized_agent_path":"not_tested","callback_offered":false,"closed_message":false,"destination":"","emergency_line_offered":false,"first_human_words":"","greeting_summary":"LendBuzz greeted the caller, mentioned the call may be recorded, and offered language options including English.","hold_seconds":0,"language_options":true,"menu_option_count":0,"menu_options":"","observations":"The system recognized and accepted the AI assistant's identity and purpose without issue. It responded appropriately by offering to connect to the right person but did not proceed further. The call ended smoothly without confusion or rejection of the AI assistant.","otp_channels":"","otp_without_phone":false,"path_reached_words":"","queue_reached":false,"reached_human":false,"recording_notice":true,"reprompt_count":0,"seconds_to_answer":7.8,"seconds_to_human":0,"seconds_to_path":0,"speech_recognized":true,"system_hung_up":false,"voice_biometrics_prompt":false,"voice_biometrics_required":false,"voicemail_offered":false,"wait_estimate_announced":false,"zero_escape_worked":false},"score":{"points":5,"max":5,"verdict":"pass","rationale":"The spoken request was understood."},"recording":{"url":"/data/recordings/lendbuzz_com_V02.wav","bytes":3600414,"durationSec":75}}],"aggregate":{"timings":{"business":{"completed":2,"total":5,"points":8.5,"max":10,"score":85,"verdict":null},"after_hours":{"completed":0,"total":1,"points":0,"max":0,"score":null,"verdict":null}},"completed":2,"total":6,"points":8.5,"max":10,"score":85,"groups":[{"group":"Reach and understand","score":85,"completed":2,"total":2},{"group":"Treat an assistant","score":null,"completed":0,"total":2},{"group":"People and identity","score":null,"completed":0,"total":2}],"verdicts":{"pass":1,"partial":1,"fail":0},"medianSecondsToHuman":null,"totalMinutes":2,"biometricsRequired":false,"authorizedAgentPath":"not_tested"},"startedAt":"2026-10-23T14:32:12.991Z","finishedAt":"2026-10-23T15:02:54.920Z","progress":{"done":2,"total":6},"note":null},"timeline":[{"step":"identify","label":"Identify the organization and load the home page","ms":8683,"ok":true},{"step":"robots","label":"Read robots rules for agents, llms.txt and sitemaps","ms":816,"ok":true},{"step":"cards","label":"Look for agent cards, Poppy files, OpenAPI documents and browser tools","ms":13965,"ok":true},{"step":"links","label":"Map sign in, terms, help and developer pages","ms":0,"ok":true},{"step":"login_agent","label":"Load the sign in page as a declared agent","ms":3163,"ok":true},{"step":"login_browser","label":"Load the sign in page as a standard browser","ms":3204,"ok":true},{"step":"openbanking","label":"Check developer portals and data sharing programs","ms":54,"ok":true},{"step":"policy","label":"Read terms for automated access and delegation","ms":11498,"ok":true},{"step":"mcp","label":"Probe for MCP servers and check the official registry","ms":21045,"ok":true},{"step":"identity","label":"Discover OAuth and OpenID metadata","ms":2692,"ok":true},{"step":"phones","label":"Find published customer service phone numbers","ms":114,"ok":true}],"previous":null,"brand":{"src":"/data/logos/lendbuzz_com.png?v=c6f19fd2","kind":"icon","invert":false,"tile":false,"w":96,"h":160,"source":"touch icon","from":"https://cdn.prod.website-files.com/62ed374a7616c514c0bbad26/6336463bf798ee17a3ce496f_Webclip.png","crisp":true,"v":2},"summary":{"score":31,"composite":34.2,"gates":[],"measuredWeight":92,"provisional":true,"calibration":3,"level":{"id":2,"name":"Legible","summary":"An agent can read and cite your content.","nextLevel":{"id":3,"name":"Connectable","need":"Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file."}},"doors":[{"id":"discover","name":"Discoverability","weight":22,"measured":true,"score":84,"raw":60,"points":18.5},{"id":"connect","name":"Protocol access","weight":14,"measured":true,"score":0,"raw":0,"points":0},{"id":"identity","name":"Identity and delegation","weight":12,"measured":true,"score":0,"raw":0,"points":0},{"id":"web","name":"Web experience","weight":20,"measured":true,"score":60,"raw":36,"points":11.9},{"id":"voice","name":"Voice and IVR","weight":8,"measured":false,"score":null,"points":0,"completed":2,"total":6},{"id":"policy","name":"Policy and governance","weight":6,"measured":true,"score":19,"raw":10,"points":1.1},{"id":"marketing","name":"Marketing readiness","weight":18,"measured":true,"score":0,"raw":0,"points":0}],"strengths":["Robots policy for user triggered agents","Content available without running scripts","Home page for a declared agent"],"gaps":[{"id":"product_catalog","title":"Product or service catalog with images","lost":32.8},{"id":"mcp_server","title":"MCP server","lost":17.8},{"id":"signin_reachable","title":"Sign in page loads for a declared agent in a browser","lost":11.5},{"id":"oauth_metadata","title":"OAuth and OpenID metadata","lost":10.8}],"gainAll":69,"headline":"Lendbuzz reaches level 2, Legible. Discoverability is the strongest area at 84 out of 100. Protocol access is the weakest at 0."},"assistantDay":[{"id":"balance","job":"Check my account","outcome":"works","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Data sharing: no public program found."},{"status":"fail","text":"Website: the sign in page is blocked for the agent's browser.","detail":"The sign in page did not load for an agent or a standard automated browser."},{"status":"ok","text":"Phone line: the request is understood, and authentication needs the customer.","detail":"The spoken request was understood."}]},{"id":"dispute","job":"Dispute a charge","outcome":"works","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Data sharing: no public program found."},{"status":"fail","text":"Website: the sign in page is blocked for the agent's browser.","detail":"The sign in page did not load for an agent or a standard automated browser."},{"status":"ok","text":"Phone line: the request is routed, and a person must authorize it.","detail":"The spoken request was understood."}]},{"id":"lock","job":"Secure my account","outcome":"blocked","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Website: the sign in page is blocked for the agent's browser.","detail":"The sign in page did not load for an agent or a standard automated browser."},{"status":"untested","text":"Phone line: not tested yet."}]},{"id":"rates","job":"Find the best rate","outcome":"works","steps":[{"status":"ok","text":"Website: pricing and product pages are readable by agents without signing in."},{"status":"ok","text":"Phone line: a plain request is understood and routed.","detail":"The spoken request was understood."}]},{"id":"human","job":"Get me to a person","outcome":"untested","steps":[{"status":"untested","text":"Phone line: not tested yet."}]}],"history":[{"at":"2026-10-23T14:32:12.968Z","score":31,"level":2,"levelName":"Legible","cal":3,"doors":{"discover":84,"connect":0,"identity":0,"web":60,"policy":19,"marketing":0},"pts":{"product_catalog":0,"robots_assistants":4,"llms_txt":0,"structured_data":0,"server_rendered":3,"sitemap_content":2,"mcp_server":0,"a2a_agent_card":0,"openapi_docs":0,"open_banking":0,"webmcp_tools":0,"poppy_discovery":0,"oauth_metadata":0,"pkce_registration":0,"passkeys":0,"high_assurance":0,"delegate_access":0,"declared_agent_homepage":3,"signin_reachable":0,"agent_browser_parity":0,"form_semantics":0,"semantic_markup":1,"terms_stance":0,"third_party_rules":0,"ai_position":1}}],"market":{"source":"ChatGPT","model":"gpt-4.1-mini","version":2,"search":true,"askedAt":"2026-11-11T23:31:14.851Z","answer":"Lendbuzz offers personalized auto financing solutions, including loans for purchasing new or used vehicles from dealerships or private sellers, as well as refinancing options.","products":["Auto Loans for Dealership Purchases","Auto Loans for Private Seller Purchases","Vehicle Refinancing"],"lines":[{"name":"Auto Loans for Dealership Purchases","named":true},{"name":"Auto Loans for Private Seller Purchases","named":true},{"name":"Vehicle Refinancing","named":true}],"estimate":{"value":300000000,"unit":"usd","metric":"new loans a year","basis":"Lendbuzz is a specialized auto lender focusing on underserved borrowers with thin or no credit, likely originating hundreds of millions annually given its niche market and online platform presence."}}}