{"id":"self_inc","version":"1.0","url":"https://www.self.inc","host":"self.inc","name":"Self","category":"lender","catalog":{"structured":{"products":0,"withImage":0,"withOffer":0,"withPrice":0,"dated":0},"catalog":null,"feed":null,"verdict":"none","prices":null,"promo":null},"revenuePath":{"task":"Check my rate","industry":"lender","cta":{"text":"Apply","url":null},"steps":[{"id":"find","status":"partial","detail":"“Apply” shows only after scripts run, so agents that read pages miss it."},{"id":"open","status":"fail","detail":"“Apply” is a button that runs a script, not a link an agent can follow."},{"id":"fill","status":"skip","detail":"Not reached."},{"id":"finish","status":"skip","detail":"Not reached."}]},"market":{"source":"ChatGPT","model":"gpt-4.1-mini","version":2,"search":true,"askedAt":"2026-11-14T21:55:34.964Z","answer":"Self is a financial technology company that helps individuals build credit and savings through accessible financial products.","products":["Credit Builder Account","Self Visa® Credit Card"],"lines":[{"name":"Credit Builder Account","named":true},{"name":"Secured Credit Card","named":true},{"name":"Rent Reporting","named":false},{"name":"Savings Account","named":false},{"name":"Self Cash","named":false}],"estimate":{"value":300000000,"unit":"usd","metric":"new loans a year","basis":"Based on Self's large user base (hundreds of thousands of ratings) and typical credit builder loan sizes ($500-$1500), estimated annual new loan originations are around $300 million."}},"generatedAt":"2026-11-14T21:55:34.966Z","durationMs":92658,"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":5.5},{"id":"prices_readable","door":"marketing","title":"Prices and rates an agent can read","status":"fail","points":0,"maxPoints":4,"finding":"No price or rate an agent can read was found on the home page or in structured data.","evidence":[],"why":"An agent compares on price. A price, a plan or a rate it can read and quote puts the company in the comparison; one it has to guess leaves it out.","fix":"Add Offer markup with the price (or the rate, for loans and accounts) to product pages, and show the price or rate in the page text, not only in images or after scripts run.","test":"web","gain":6.6},{"id":"offers_readable","door":"marketing","title":"Current offers and promotions an agent can read","status":"fail","points":0,"maxPoints":3,"finding":"No current offer or promotion an agent can read was found on the home page or in structured data.","evidence":[],"why":"Promotions win customers only when the agent knows about them. An offer with its terms and dates can be quoted to a customer who is choosing right now.","fix":"List current offers on one page linked from the home page, and add Offer markup with the terms and the dates each one is valid.","test":"web","gain":5.5},{"id":"revenue_path","door":"marketing","title":"An agent can start becoming a customer","status":"partial","points":0.5,"maxPoints":5,"finding":"Check my rate: “Apply” shows only after scripts run, so agents that read pages miss it.","evidence":[{"label":"Find the link","value":"Partly. “Apply” shows only after scripts run, so agents that read pages miss it."},{"label":"Open the page","value":"Failed. “Apply” is a button that runs a script, not a link an agent can follow."}],"why":"The task that makes money (a quote, a new account, a demo) is where an agent either brings a customer in or gives up and tries a competitor.","fix":"Make the call to action a plain link on the home page, keep the form behind it on a page an agent can load, label every field, and keep bot checks off the first step.","test":"web","gain":7.1},{"id":"ai_names_products","door":"marketing","title":"ChatGPT names what you sell","status":"partial","points":1,"maxPoints":3,"finding":"ChatGPT names 2 of the 5 product lines on the home page.","evidence":[{"label":"ChatGPT says","value":"Self is a financial technology company that helps individuals build credit and savings through accessible financial products."},{"label":"Named","value":"Credit Builder Account, Secured Credit Card"},{"label":"Left out","value":"Rent Reporting, Savings Account, Self Cash"}],"why":"Customers ask ChatGPT what a company offers before they visit. A product the answer leaves out is a product the customer never hears about.","fix":"Describe every product line in plain text on its own page, list them in llms.txt and in structured data, and keep names consistent across the site.","test":"web","gain":4.3},{"id":"robots_assistants","door":"discover","title":"Robots policy for user triggered agents","status":"partial","points":2,"maxPoints":4,"finding":"Some user triggered agents are restricted in robots.txt.","evidence":[{"label":"ChatGPT User","value":"partly restricted","url":"https://www.self.inc/robots.txt"},{"label":"Claude User","value":"partly restricted","url":"https://www.self.inc/robots.txt"},{"label":"Perplexity User","value":"partly restricted","url":"https://www.self.inc/robots.txt"},{"label":"Gemini Deep Research","value":"partly restricted","url":"https://www.self.inc/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","gain":3.9},{"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":4.9},{"id":"structured_data","door":"discover","title":"Structured data on the home page","status":"partial","points":1,"maxPoints":3,"finding":"Only generic structured data is present, with no product, price or question markup.","evidence":[{"label":"Type","value":"Organization"}],"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":3.9},{"id":"server_rendered","door":"discover","title":"Content available without running scripts","status":"partial","points":1.5,"maxPoints":3,"finding":"About 51 percent of the visible text is in the first HTML response.","evidence":[{"label":"Text in first response","value":"2667 characters"},{"label":"Text after scripts","value":"5200 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","gain":3.1},{"id":"sitemap_content","door":"discover","title":"Sitemap that includes help and pricing pages","status":"pass","points":2,"maxPoints":2,"finding":"Sitemap lists 189 entries including help, pricing, product pages.","evidence":[{"label":"Sitemap","value":"https://self.inc/info/info-sitemap.xml","url":"https://self.inc/info/info-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":8.6},{"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":3.6},{"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":4.7},{"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":5.5},{"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":4.7},{"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.self.inc/.well-known/poppy.json","url":"https://www.self.inc/.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":"pass","points":5,"maxPoints":5,"finding":"Authorization server metadata is published at auth.self.inc.","evidence":[{"label":"Issuer","value":"https://auth.self.inc/","url":"https://auth.self.inc/.well-known/openid-configuration"},{"label":"Grant types","value":"client_credentials, authorization_code, refresh_token, password, implicit"},{"label":"Scopes listed","value":"14"}],"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"},{"id":"pkce_registration","door":"identity","title":"PKCE and client registration","status":"partial","points":2,"maxPoints":4,"finding":"Part of the approval and onboarding path is published.","evidence":[{"label":"PKCE S256","value":"supported"},{"label":"Dynamic registration","value":"not listed"},{"label":"Client ID metadata documents","value":"not listed"}],"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":1.1},{"id":"passkeys","door":"identity","title":"Passkeys at sign in","status":"fail","points":0,"maxPoints":4,"finding":"No passkey signal was found on the sign in page or in the published pages read. A prompt that starts only after a person types is not visible to the scan.","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","gain":2.2},{"id":"high_assurance","door":"identity","title":"High assurance authorization profile","status":"partial","points":2,"maxPoints":3,"finding":"Some high assurance features are advertised.","evidence":[{"label":"PAR","value":"no"},{"label":"DPoP","value":"yes"},{"label":"Mutual TLS","value":"no"},{"label":"Rich authorization requests","value":"no"}],"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":0.6},{"id":"delegate_access","door":"identity","title":"Documented delegate and data sharing controls","status":"partial","points":2,"maxPoints":4,"finding":"Data sharing controls are described, with no documented route for authorized agents.","evidence":[{"label":"Data sharing","value":"…is important to us. We enable our servers with Secure Socket Layer (SSL) technology to create a secure connection between your computer and our servers, creating a private session.We use firewalls and other security solutions to…","url":"https://www.self.inc/privacy-policy"}],"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":1.1},{"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":"81 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":"pass","points":4,"maxPoints":4,"finding":"The sign in page loaded in a browser for a declared agent.","evidence":[{"label":"Declared agent","value":"loaded in 4759 ms"},{"label":"Standard browser","value":"loaded in 4978 ms"},{"label":"Page","value":"https://auth.self.inc/u/login?state=hKFo2SAwc19PcTA4b1VOb2lPa1RrOC1QTXo1WEI3OHdKcWNjN6Fur3VuaXZlcnNhbC1sb2dpbqN0aWTZIF8xa1I0RHhSVEVVdVliMHlkcGt5Snhsd3RlbC1qSjkzo2NpZNkgOUhQMGJDbjQxUHZMMndJeVZYbENyZGk0MmVoeVpTZXk","url":"https://auth.self.inc/u/login?state=hKFo2SAwc19PcTA4b1VOb2lPa1RrOC1QTXo1WEI3OHdKcWNjN6Fur3VuaXZlcnNhbC1sb2dpbqN0aWTZIF8xa1I0RHhSVEVVdVliMHlkcGt5Snhsd3RlbC1qSjkzo2NpZNkgOUhQMGJDbjQxUHZMMndJeVZYbENyZGk0MmVoeVpTZXk"}],"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"},{"id":"agent_browser_parity","door":"web","title":"Same behavior for a declared agent and a standard browser","status":"pass","points":2,"maxPoints":2,"finding":"A declared agent and a standard browser got the same result.","evidence":[{"label":"Declared","value":"loaded"},{"label":"Browser","value":"loaded"}],"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"},{"id":"form_semantics","door":"web","title":"Sign in form structure and autofill hints","status":"partial","points":3.3,"maxPoints":4,"finding":"100 percent of 3 fields have labels and 67 percent set autocomplete hints.","evidence":[{"label":"text field","value":"Email address *; autocomplete: email"},{"label":"password field","value":"Password *; autocomplete: current-password"},{"label":"text field","value":"Enter the code shown above *; autocomplete: none"}],"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","gain":0.2},{"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":"2"},{"label":"Headings","value":"1"},{"label":"Named controls","value":"100 percent"},{"label":"Images with alt text","value":"100 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":0.4},{"id":"terms_stance","door":"policy","title":"Terms on automated access","status":"partial","points":2,"maxPoints":4,"finding":"The terms read are silent on AI agents and automated access.","evidence":[],"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":1.8},{"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":2.4},{"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":"…information using both automated and manual methods. Automated methods may include artificial intelligence and a range of technologies that allow the Platform and Services to learn and improve, and will enhance our…","url":"https://www.self.inc/privacy-policy"}],"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":1.8}],"homeAgentFetch":{"status":200,"ms":81,"bytes":109639,"blocked":false,"thin":false},"login":{"url":"https://auth.self.inc/u/login?state=hKFo2SAwc19PcTA4b1VOb2lPa1RrOC1QTXo1WEI3OHdKcWNjN6Fur3VuaXZlcnNhbC1sb2dpbqN0aWTZIF8xa1I0RHhSVEVVdVliMHlkcGt5Snhsd3RlbC1qSjkzo2NpZNkgOUhQMGJDbjQxUHZMMndJeVZYbENyZGk0MmVoeVpTZXk","source":"link on home page","validated":true,"candidates":[{"url":"https://www.self.inc/login","source":"link on home page"},{"url":"https://www.self.inc/signin","source":"common path"},{"url":"https://www.self.inc/sign-in","source":"common path"},{"url":"https://www.self.inc/online-banking/login","source":"common path"},{"url":"https://www.self.inc/auth/login","source":"common path"},{"url":"https://www.self.inc/logon","source":"common path"}],"menu":{"clicked":true,"label":"Log In","navigatedTo":"https://www.self.inc/login","linkCount":50,"hasPasswordField":false},"shots":{"agent":"/data/shots/self_inc_login_agent.jpg","browser":"/data/shots/self_inc_login_browser.jpg","home":"/data/shots/self_inc_home.jpg","menu":"/data/shots/self_inc_login_menu.jpg"},"agent":{"finalUrl":"https://auth.self.inc/u/login?state=hKFo2SAwc19PcTA4b1VOb2lPa1RrOC1QTXo1WEI3OHdKcWNjN6Fur3VuaXZlcnNhbC1sb2dpbqN0aWTZIF8xa1I0RHhSVEVVdVliMHlkcGt5Snhsd3RlbC1qSjkzo2NpZNkgOUhQMGJDbjQxUHZMMndJeVZYbENyZGk0MmVoeVpTZXk","status":200,"title":"Log In To Your Self Financial Account","ms":4759,"blocked":false,"blockReason":null,"thin":false,"uaLabel":"declared agent","error":null,"vendors":[{"name":"Cloudflare","evidence":["header cf-ray","header server"]}],"textPreview":"Welcome back Log in to keep building credit Email address * Password * Enter the code shown above * Forgot password? Log in Don't have an account? Sign up"},"browser":{"finalUrl":"https://auth.self.inc/u/login?state=hKFo2SBpVnhKY0VlZUgydFpIbGtQSnZqVVE3anpzTGJ2cm1EeaFur3VuaXZlcnNhbC1sb2dpbqN0aWTZIFIxQ3pwZS04Z1prM0RDT1Z0eGVjOXdIdUZ6MTBLT2h5o2NpZNkgOUhQMGJDbjQxUHZMMndJeVZYbENyZGk0MmVoeVpTZXk","status":200,"title":"Log In To Your Self Financial Account","ms":4978,"blocked":false,"blockReason":null,"thin":false,"uaLabel":"browser","error":null,"vendors":[{"name":"Cloudflare","evidence":["header cf-ray","header server"]}],"textPreview":"Welcome back Log in to keep building credit Email address * Password * Enter the code shown above * Forgot password? Log in Don't have an account? 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