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SoFi scores 68 out of 100 on the Agent Readiness Index
SoFi reaches level 0, Closed. Identity and delegation is the strongest area at 97 out of 100. Web experience is the weakest at 33.
SoFi was scanned on October 11, 2026. Its score is 68 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: sofi.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 72 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 | 97 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 33 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 | 64 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding SoFi back
- 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.
- Sign in page loads for a declared agent in a browser, 4 points lost. The sign in page did not load for an agent or a standard automated browser. Fix: Serve the sign in page to verified agent browsers, and use signed agent identity to separate them from attackers.
- 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.
- Structured data on the home page, 3 points lost. No JSON LD structured data was found on the home page. Fix: Add JSON LD for your organization type, Product or Service, Offer and FAQPage on the pages customers ask about most.
What already works
- MCP server
- OAuth and OpenID metadata
- PKCE and client registration
How SoFi compares
Ranked 2 of 14 on the Lenders leaderboard. The average score for lenders is 47.1 out of 100 across 16 organizations. The average across all 1,421 scored organizations is 42.2 out of 100.
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