# Heartbank scores 0 out of 100 on the Agent Readiness Index

Heartbank reaches level 0, Closed.

Heartbank was scanned on October 17, 2026. Its score is 0 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: [heartbank.top](https://heartbank.top)

## Score by area

| Area | Score | What it asks |
| --- | --- | --- |
| Discoverability | 0 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 0 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 | 0 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 Heartbank back

1. **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.
2. **OAuth and OpenID metadata**, 5 points lost. No OAuth or OpenID metadata was found on the 1 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. Fix: Publish /.well known/oauth authorization server and /.well known/oauth protected resource for the customer facing APIs.
3. **Robots policy for user triggered agents**, 4 points lost. robots.txt blocks all 4 user triggered agents from the whole site. Fix: Allow the ChatGPT User, Claude User and Perplexity User agents in robots.txt for public product, pricing and help pages.
4. **Developer and data sharing program**, 4 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.

## How Heartbank compares

The average score for other is 34.8 out of 100 across 236 organizations. The average across all 1,425 scored organizations is 42.2 out of 100.

## Similar organizations

- [sncf connect.com](https://readyindex.ai/sncf_connect_com), 4 out of 100
- [Surestay](https://readyindex.ai/surestay_com), 4 out of 100
- [Tnuva](https://readyindex.ai/tnuva_co_il), 4 out of 100

## More on this report

- [This report as markdown](https://readyindex.ai/heartbank_top.md)
- [This report as JSON data](https://readyindex.ai/api/reports/heartbank_top)
- [How the score is worked out](https://readyindex.ai/method)
- [All leaderboards](https://readyindex.ai/leaderboards)
- [Every scored organization](https://readyindex.ai/organizations)
- [Scan your own website](https://readyindex.ai/)

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Source: https://readyindex.ai/heartbank_top
Updated: 2026-10-17
From the Agent Readiness Index by Encore AI. When you quote a score, please link to the report it came from.