# Kraken scores 82 out of 100 on the Agent Readiness Index

Kraken reaches level 4, Trusted. Web experience is the strongest area at 100 out of 100. Policy and governance is the weakest at 36.

Kraken was scanned on October 15, 2026. Its score is 82 out of 100, level 4, Trusted. A customer can authorize an agent with limited, revocable access. To reach level 5, Native: Support agents on every channel: passkeys, a high assurance profile and a voice line scoring 70 or more.

Website: [kraken.com](https://www.kraken.com)

## Score by area

| Area | Score | What it asks |
| --- | --- | --- |
| Discoverability | 89 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 80 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 88 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 100 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 | 36 out of 100, worth 10 points | Do your terms allow agents that act for customers? |

## What is holding Kraken back

1. **llms.txt guide for agents**, 3 points lost. No llms.txt file was found at the site root. Fix: Publish /llms.txt with links to product, pricing, support and location pages.
2. **Browser tools exposed to agents**, 3 points lost. The sign in and home pages register no browser tools for agents. Fix: Register tools for safe tasks such as location search and price lookup with navigator.modelContext.
3. **High assurance authorization profile**, 3 points lost. No high assurance authorization features were found. Fix: Support PAR with DPoP or mutual TLS, and rich authorization requests for payments and account changes.
4. **Third party access and data sharing rules**, 3 points lost. No third party access rules were found in the documents read. Fix: Publish a third party access policy that names the approved interfaces and the consent model.

## What already works

- OAuth and OpenID metadata
- PKCE and client registration
- Sign in page loads for a declared agent in a browser

## How Kraken compares

The average score for payments and fintech is 56.8 out of 100 across 39 organizations. The average across all 1,421 scored organizations is 42.2 out of 100.

## Similar organizations

- [Brex](https://readyindex.ai/brex_com), 91 out of 100
- [Plaid](https://readyindex.ai/plaid_com), 91 out of 100
- [Mercury](https://readyindex.ai/mercury_com), 85 out of 100
- [Square](https://readyindex.ai/squareup_com), 80 out of 100
- [Stripe](https://readyindex.ai/stripe_com), 77 out of 100
- [PayPal](https://readyindex.ai/paypal_com), 75 out of 100

## More on this report

- [This report as markdown](https://readyindex.ai/kraken_com.md)
- [This report as JSON data](https://readyindex.ai/api/reports/kraken_com)
- [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/kraken_com
Updated: 2026-10-15
From the Agent Readiness Index by Encore AI. When you quote a score, please link to the report it came from.