# Morningstar scores 59 out of 100 on the Agent Readiness Index

Morningstar reaches level 0, Closed. Identity and delegation is the strongest area at 88 out of 100. Policy and governance is the weakest at 0.

Morningstar was scanned on October 15, 2026. Its score is 59 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: [morningstar.com](https://www.morningstar.com)

## Score by area

| Area | Score | What it asks |
| --- | --- | --- |
| Discoverability | 64 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 64 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 | 46 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 | 0 out of 100, worth 10 points | Do your terms allow agents that act for customers? |

## What is holding Morningstar back

1. **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.
2. **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.
3. **Terms on automated access**, 4 points lost. The terms restrict automated access and name no exception for authorized agents. Fix: Add an exception for authorized agents acting for the customer through approved interfaces.
4. **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.

## What already works

- MCP server
- OAuth and OpenID metadata
- PKCE and client registration

## How Morningstar compares

The average score for brokerages and investing is 48.6 out of 100 across 23 organizations. The average across all 1,421 scored organizations is 42.2 out of 100.

## Similar organizations

- [Vanguard Group](https://readyindex.ai/vanguard_com), 62 out of 100
- [Apollo Global](https://readyindex.ai/apollo_com), 59 out of 100
- [BlackRock](https://readyindex.ai/blackrock_com), 59 out of 100
- [Franklin Templeton](https://readyindex.ai/franklintempleton_com), 57 out of 100
- [Edward Jones](https://readyindex.ai/edwardjones_com), 53 out of 100
- [Acorns](https://readyindex.ai/acorns_com), 52 out of 100

## More on this report

- [This report as markdown](https://readyindex.ai/morningstar_com.md)
- [This report as JSON data](https://readyindex.ai/api/reports/morningstar_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/morningstar_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.