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Chime scores 30 out of 100 on the Agent Readiness Index
Chime reaches level 0, Closed. Discoverability is the strongest area at 75 out of 100. Identity and delegation is the weakest at 0.
Chime was scanned on October 11, 2026. Its score is 30 out of 100, level 0, Closed. Declared agents are blocked from the public website. To reach level 1, Tolerated: The home page must load for a declared agent and robots.txt must not block every agent.
Website: chime.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 75 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 36 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 0 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 17 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | Not measured yet | Do your terms allow agents that act for customers? |
What is holding Chime back
- MCP server, 8 points lost. No MCP server, server card or registry entry was found for this organization. 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.
- OAuth and OpenID metadata, 5 points lost. No OAuth or OpenID metadata was found on the 3 hosts that answered. 11 other hosts did not answer the scanner and could not be checked. Agents cannot discover 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.
- PKCE and client registration, 4 points lost. No authorization server metadata, so PKCE and client registration could not be confirmed. Fix: Require PKCE with S256 and support client ID metadata documents or dynamic client registration for approved agent clients.
- Documented delegate and data sharing controls, 4 points lost. No public page on delegate access or connected app controls was found. Fix: Publish a help page on delegate access and add a connected apps screen where customers revoke access.
What already works
- Content available without running scripts
How Chime compares
Ranked 17 of 17 on the Payments and fintech leaderboard. The average score for payments and fintech is 56.8 out of 100 across 39 organizations. The average across all 1,420 scored organizations is 42.2 out of 100.
Similar organizations
- NetSpend, 34 out of 100
- Zelle, 34 out of 100
- Synchrony, 31 out of 100
- Global Payments, 17 out of 100