Financial wellness platforms
Asked as “financial wellness platform”, and as “employee financial wellness benefit”, on behalf of a mid-market B2B company. 41 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
34%
Contested · Your Money Line 12%
34Financial Finesse12Your Money Line10ZayZoon44others
34% of first choices, contested.
Since October 2026↗new leaderNew leader since October 2026: Financial Finesse (34%) replaces LearnLux (24% then, 7% now), 27 points clear, past the 13-point floor.Financial Finesse leads at 34%, replacing LearnLux, which led at 24% and stands at 7% now: 27 points clear, past the floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Your Money Line28%Contested↗new leaderNew leader since October 2026: Your Money Line (28%) replaces ZayZoon (23% then, 21% now), 7 points clear, inside the 13-point floor.Standing →Mid-market
Financial Finesse34%Contested↗new leaderNew leader since October 2026: Financial Finesse (34%) replaces LearnLux (24% then, 7% now), 27 points clear, past the 13-point floor.This pageEnterpriseFinancial Finesse45%Clear leader↗new leaderNew leader since October 2026: Financial Finesse (45%) replaces LearnLux (23% then, 10% now), 35 points clear, past the 13-point floor.Standing →
Your Money Line28%Contested↗new leaderNew leader since October 2026: Your Money Line (28%) replaces ZayZoon (23% then, 21% now), 7 points clear, inside the 13-point floor.Standing →Mid-marketFinancial Finesse34%Contested↗new leaderNew leader since October 2026: Financial Finesse (34%) replaces LearnLux (24% then, 7% now), 27 points clear, past the 13-point floor.This pageEnterpriseFinancial Finesse45%Clear leader↗new leaderNew leader since October 2026: Financial Finesse (45%) replaces LearnLux (23% then, 10% now), 35 points clear, past the 13-point floor.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Financial Finesse34%5%40endorsed leader▲+34Since October 2026: 0% → 34%, +34 points. Past the 13-point floor: movement.0% → 34%
Financial Finesse34%5%40endorsed leader▲+34Since October 2026: 0% → 34%, +34 points. Past the 13-point floor: movement.0% → 34%02Your Money Line12%0%29accepted challenger▲+10Since October 2026: 2% → 12%, +10 points. Inside the 13-point floor: within noise.2% → 12%
Your Money Line12%0%29accepted challenger▲+10Since October 2026: 2% → 12%, +10 points. Inside the 13-point floor: within noise.2% → 12%03
ZayZoon10%14%14accepted challenger▼−5Since October 2026: 15% → 10%, −5 points. Inside the 13-point floor: within noise.15% → 10%
ZayZoon10%14%14accepted challenger▼−5Since October 2026: 15% → 10%, −5 points. Inside the 13-point floor: within noise.15% → 10%04
SmartDollar7%5%37accepted challenger▲+5Since October 2026: 2% → 7%, +5 points. Inside the 13-point floor: within noise.2% → 7%
SmartDollar7%5%37accepted challenger▲+5Since October 2026: 2% → 7%, +5 points. Inside the 13-point floor: within noise.2% → 7%05
LearnLux7%4%28accepted challenger▼−17Since October 2026: 24% → 7%, −17 points. Past the 13-point floor: movement.24% → 7%
LearnLux7%4%28accepted challenger▼−17Since October 2026: 24% → 7%, −17 points. Past the 13-point floor: movement.24% → 7%06
Enrich2%4%25accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
Enrich2%4%25accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%07
Origin2%6%18accepted challenger▼−8Since October 2026: 10% → 2%, −8 points. Inside the 13-point floor: within noise.10% → 2%
Origin2%6%18accepted challenger▼−8Since October 2026: 10% → 2%, −8 points. Inside the 13-point floor: within noise.10% → 2%08
Payactiv2%16%19accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
Payactiv2%16%19accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%Show the three products at 0%, ordered by negative rate
11
DailyPay0%23%13accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
DailyPay0%23%13accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%10
BrightDime0%10%10accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 13-point floor: within noise.5% → 0%
BrightDime0%10%10accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 13-point floor: within noise.5% → 0%09
BrightPlan0%4%23accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 13-point floor: within noise.5% → 0%
BrightPlan0%4%23accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 13-point floor: within noise.5% → 0%The floor is 13 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
Head to head
All twenty-eight head-to-head pages: the top eight products, each against each
Financial Finesse vs LearnLuxFinancial Finesse vs EnrichFinancial Finesse vs OriginFinancial Finesse vs PayactivYour Money Line vs ZayZoonYour Money Line vs SmartDollarYour Money Line vs LearnLuxYour Money Line vs EnrichYour Money Line vs OriginYour Money Line vs PayactivZayZoon vs SmartDollarZayZoon vs LearnLuxZayZoon vs EnrichZayZoon vs OriginZayZoon vs PayactivSmartDollar vs LearnLuxSmartDollar vs EnrichSmartDollar vs OriginSmartDollar vs PayactivLearnLux vs EnrichLearnLux vs OriginLearnLux vs PayactivEnrich vs OriginEnrich vs PayactivOrigin vs Payactiv
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
0102030405060708091011Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Financial Finesse34%
Financial Finesse34%02Your Money Line12%
Your Money Line12%03ZayZoon10%
ZayZoon10%04SmartDollar7%
SmartDollar7%05LearnLux7%
LearnLux7%06Enrich2%
Enrich2%07Origin2%
Origin2%08Payactiv2%
Payactiv2%09BrightPlan0%
BrightPlan0%10BrightDime0%
BrightDime0%11DailyPay0%
DailyPay0%What they warned about
One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
DailyPay23%
3 of 13 labels negative · 3 of 14 models · 3 hard negative
“platforms that have been criticized or have a high negative rate include DailyPay, Payactiv, and ZayZoon” Llama 4 Maverick, negative prompt
Payactiv16%
3 of 19 labels negative · 3 of 14 models · 3 hard negative
“Payactiv, a financial wellness / earned-wage-access platform, is subject to a class action settlement after an April 2025 data breach.” Muse Glimmer 30B, negative prompt
Brigit
100%
2 of 2 labels negative · 2 of 14 models · 2 hard negative
“The FTC alleged deceptive advance promises and a hard-to-cancel membership; Brigit agreed to an $18 million settlement” GPT-6 Luna, negative prompt
Cleo
100%
2 of 2 labels negative · 2 of 14 models · 2 hard negative
“The FTC said the app overstated how much and how quickly customers could receive, and made cancellation difficult. Cleo agreed to a $17 million settlement” GPT-6 Luna, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
72 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 822 links across 238 sites, every framing counted. Ranked by the number of answers carrying the site or page. 35 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · Lead Change Group44 answers · 94 citations · 11 models
vendor site · G234 answers · 64 citations · 12 models
28 answers · 28 citations · 11 models
24 answers · 26 citations · 11 models
vendor site · Guideflow19 answers · 19 citations · 8 models
15 answers · 15 citations · 9 models
13 answers · 13 citations · 8 models
vendor site · Your Money Line12 answers · 16 citations · 6 models
12 answers · 12 citations · 8 models
vendor site · Wellable11 answers · 13 citations · 8 models
10 answers · 21 citations · 5 models
publisher (Gane)10 answers · 15 citations · 7 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
28 answers · 11 models
25 answers · 11 models
25 answers · 10 models
24 answers · 11 models
21 answers · 10 models
19 answers · 11 models
19 answers · 8 models
13 answers · 8 models
13 answers · 12 models
13 answers · 6 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best financial wellness platform”, “financial wellness platform”, “financial wellness platforms”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Financial Finesse financialfinesse.com | 34% | 102 | 720 | 6 | 2,211 | |||
| Your Money Line yourmoneyline.com | 12% | 80 | 720 | 119 | 6,683 | $8,667 | 3 | 5 |
| ZayZoon zayzoon.com | 10% | 167 | 90,500 | 304 | 39,895 | 1 | ||
| SmartDollar smartdollar.hk | 7% | 116 | 2,900 | 62 | 3 | |||
| LearnLux learnlux.com | 7% | 69 | 720 | 14 | 1,294 | 0 | ||
| Chime Workplace chime.com | 5% | 44 | 320 | 1 | 1,490,450 | $409,615 | 120 | |
| Enrich enrich.org | 2% | 59 | 33,100 | 12,220 | 13,683 | 9 | ||
| Origin useorigin.com | 2% | 42 | 201,000 | 2,574,135 | 26,001 | 9 | ||
| Payactiv payactiv.com | 2% | 208 | 110,000 | 700 | 92,054 | $231 | 13 | 6 |
| Morgan Stanley at Work | 2% | 22,200 | 298 |
Google's top ten for the three searches hold 25 sites; 4 of them are among the sites the models cited here (guideflow.com, peoplemanagingpeople.com, wellable.co, yourmoneyline.com). The first result for “best financial wellness platform” is myshortlister.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best financial wellness platform for a mid-market B2B company?”Paraphrase“Which employee financial wellness benefit would you recommend to a mid-sized B2B company?”Comparative“What are the top financial wellness platforms and how do they differ?”Budget-constrained“What is the best financial wellness platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a financial wellness platform. What should we look at?”Negative“Which financial wellness platforms should I avoid or be cautious about?”
Claude Haiku 4.5Morgan Stanley at Workno first choiceChangedno first choiceZayZoonno first choicenothing named
Three alternatives
BrightPlan, Financial Finesse, LearnLuxFive alternatives
BeBalanced Financial Wellness, BrightDime's Essentials, Laurel Road, LearnLux, SmartPathGPT-5.4 miniStreamagainst: Betterment at Workno first choiceChangedno first choiceWellableagainst: HoneyBee, LearnLuxno first choicenothing named
Four alternatives
DailyPay, Payactiv, SmartDollar, SpringOne alternative
SavologyGemini 3.5 FlashOriginno first choiceChangedno first choiceSavologyno first choicenothing named
Four alternatives
Brightside, Kashable, LearnLux, Your Money LineFour alternatives
Financial Finesse, LearnLux, Northstar, OriginFive alternatives
BrightDime, FinFit, Payactiv, SmartDollar, ZayZoonPerplexity SonarFinancial FinesseFinancial FinesseHeldno first choiceZayZoonno first choicenothing named
One alternative
Your Money LineEleven alternatives
BrightPlan, Brightside, FinFit, Financial Finesse, LearnLux, Morgan Stanley at Work, Nudge Global, Origin, SmartDollar, Summer, Your Money LineTwo alternatives
Payactiv, Your Money LineGrok 4.20Financial Finesseagainst: SmartDollarno first choiceChangedFinancial FinesseChime Workplace, ZayZoonagainst: Brightside, Enrich, Financial Finesseno first choiceagainst: AI-Trade.Consulting, Albert App, Raisin, TakeProfitTrader, TrulyFinancial, Wealth Assistants
Three alternatives
BrightPlan, Enrich, Your Money LineFive alternatives
Betterment at Work, BrightPlan, Enrich, Origin, SmartDollarFour alternatives
OrbisPay, Rain, SmartDollar, TapcheckMistral SmallFinancial Finesse, SmartDollarno first choiceChangedno first choiceYour Money Lineno first choiceagainst: DailyPay, Financial Finesse, Payactiv, ZayZoon
One alternative
BrightPlanTwo alternatives
Chime Workplace, EnrichDeepSeek V4 FlashFinancial FinesseLearnLux Financial Wellness PlatformChangedFinancial FinesseYour Money Lineagainst: BrightPlan, Brightside, Originno first choiceagainst: Accelerated Debt Settlement, Bright Money, Cleo, Financial Education Services (FES) / United Wealth
Three alternatives
BrightPlan, SmartDollar, Your Money LineThree alternatives
Brightside Financial Care, Financial Finesse, Your Money LineFour alternatives
BrightPlan, LearnLux, Origin, Your Money LineThree alternatives
Questis, SmartDollar, ZayZoonLlama 4 MaverickLearnLuxFinancial FinesseChangedno first choiceno first choiceno first choiceagainst: DailyPay, Payactiv, ZayZoon
Five alternatives
BrightPlan, Financial Finesse, Origin, SmartDollar, TapcheckFive alternatives
Brightside Financial Care, DailyPay, Kashable, Perk, SmartDollarQwen 3.7 FlashFinancial Finesse, Your Money Lineno first choiceChangedFinancial FinesseZayZoonagainst: SmartDollarno first choiceagainst: Afterpay, Klarna
Two alternatives
Enrich, LearnLuxTwo alternatives
Clarity Money, MyInvestorFive alternatives
Betterment at Work, Brightside, SmartDollar, Wisely, Your Money LineTwo alternatives
Brightside, FinFitKimi K2LearnLuxno first choiceChangedBrightPlan, Financial Finesse, LearnLuxYour Money Lineagainst: BestMeFinancial Finesseagainst: Albert, Brigit, DailyPay, EarnIn, MoneyLion
Two alternatives
Financial Finesse, OriginThree alternatives
DailyPay, Payactiv, SmartDollarTwo alternatives
Chime Workplace, RainFour alternatives
BrightPlan, Enrich, LearnLux, SmartDollarGLM 4.7 FlashXFinancial Finesseno first choiceChangedFinancial Finesse, Your Money LineChime Workplace, Payactivno first choiceagainst: Digit, Dub, Financial Education Services, United Wealth Education
Three alternatives
Betterment at Work, LearnLux, SmartDollarSix alternatives
Candidly, DailyPay, Origin, Payactiv, SmartDollar, StreamThree alternatives
Brightside Financial Care, DebtWave, Your Money LineMiniMax M2.5Financial FinesseFinancial Finesse, SmartDollarChangedno first choiceWave Financial, Zoho Booksno first choiceagainst: EarnIn
Two alternatives
Enrich, SmartDollarOne alternative
EnrichTwo alternatives
Datarails, QuickBooks OnlineGPT-6 LunaLearnLuxFinancial FinesseChangedno first choiceEnrichagainst: BrightDimeno first choiceagainst: Brigit, Cleo, Dave, FloatMe
Two alternatives
Financial Finesse, OriginOne alternative
LearnLuxSix alternatives
BrightPlan, Financial Finesse, LearnLux, Origin, SmartDollar, SoFi at WorkTwo alternatives
Chime Workplace, FinFitMuse Glimmer 30BFinancial FinesseFinancial Finesse, SmartDollarChangedno first choiceYour Money Lineno first choiceagainst: Acorns, Empower, Payactiv, Stash
One alternative
SmartDollarOne alternative
AlliantThree alternatives
FinFit, LearnLux, SmartDollarBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:55 | yes | 10 | 6 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:36 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:31 | yes | 8 | 24 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:15 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:30 | yes | 20 | 38 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:04 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:21 | yes | 17 | 28 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:23 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:35 | yes | 5 | 26 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:56 | yes | 18 | 30 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:51 | yes | 19 | 34 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:28 | yes | 5 | 22 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:54 | yes | 3 | 13 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:59 | yes | 18 | 28 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:51 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:30 | yes | 0 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:38 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 10:43 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:22 | yes | 5 | 27 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:04 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:45 | yes | 20 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:02 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:48 | no | 0 | 29 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:24 | yes | 10 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:04 | yes | 14 | 24 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:50 | yes | 5 | 40 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:42 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:32 | yes | 13 | 17 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:25 | yes | 10 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:19 | yes | 3 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:07 | yes | 9 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:03 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 7 | 39 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:29 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:21 | yes | 23 | 40 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:33 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:16 | yes | 10 | 27 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:55 | yes | 20 | 55 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:59 | yes | 23 | 103 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:34 | yes | 13 | 32 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:21 | yes | 7 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:14 | yes | 14 | 22 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:18 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:33 | yes | 4 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:12 | yes | 9 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:19 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 13 | 41 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:18 | yes | 5 | 22 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:18 | yes | 24 | 29 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:05 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:55 | yes | 22 | 62 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:36 | yes | 24 | 34 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:55 | yes | 23 | 73 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:45 | yes | 5 | 37 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:20 | yes | 4 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:07 | yes | 13 | 17 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:47 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:13 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:52 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:40 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 5 | 31 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:04 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:45 | yes | 16 | 29 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:56 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:20 | no | 0 | 30 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:18 | yes | 15 | 33 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:18 | yes | 14 | 19 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:28 | no | 0 | 19 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:44 | yes | 3 | 16 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:09 | yes | 13 | 20 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:00 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:19 | no | 0 | 2 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:19 | yes | 11 | 17 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 08:47 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 10 | 30 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:44 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:10 | yes | 25 | 28 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:45 | yes | 9 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:33 | no | 0 | 35 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:22 | yes | 24 | 27 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:14 | yes | 25 | 59 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:21 | yes | 10 | 20 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:54 | yes | 5 | 24 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:42 | yes | 25 | 31 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
None. Every name in this category resolved on its own.
Unresolved, counted raw
AI-Trade.Consulting
Accelerated Debt Settlement
Afterpay
Albert App
Alliant
BestMe
BrightDime's Essentials
Capital One
Capital One 360
Chase
Clarity Money
Delta
Digit
Dub
Financial Education Services (FES)
Financial Education Services (FES) / United Wealth
Gremlin
Klarna
Laurel Road
LeadChange
LearnLux Financial Wellness Platform
LearnLux Inc.
LearnVest
Mvelopes
MyInvestor
Quicken
Raisin
SmartPath
Stash
Sunny Day Fund
TakeProfitTrader
TrulyFinancial (trulyfinancial.com)
United Wealth Education
Wealth Assistants
Workday Wellness
Discontinued, still offered
No shut-down product was recommended here.