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Prospa scores 56 out of 100 on the Agent Readiness Index
Prospa reaches level 2, Legible. Web experience is the strongest area at 96 out of 100. Identity and delegation is the weakest at 19.
Prospa was scanned on October 22, 2026. Its score is 56 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.
Website: prospa.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 84 out of 100, worth 12 points | Can an agent find and read your pages? |
| Protocol access | 36 out of 100, worth 16 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 19 out of 100, worth 16 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 96 out of 100, worth 12 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 | 70 out of 100, worth 8 points | Do your terms allow agents that act for customers? |
What is holding Prospa 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 8 hosts that answered. 9 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.
- Passkeys at sign in, 4 points lost. 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. Fix: Offer passkeys with conditional UI on the sign in page and for step up approvals.
What already works
- Sign in page loads for a declared agent in a browser
- Structured data on the home page
- Content available without running scripts
How Prospa compares
The average score for lenders is 47.6 out of 100 across 17 organizations. The average across all 1,503 scored organizations is 41.6 out of 100.
Similar organizations
- SoFi, 68 out of 100
- OneMain Financial, 63 out of 100
- Atlas Invest, 59 out of 100
- Avant, 53 out of 100
- Upstart, 45 out of 100
- Best Egg, 41 out of 100