www.citi.com

Report from 7/24/2026, 11:55:20 AM https://www.citi.com
Latest run · lab, cold cache
47
7/24/2026
28-day score · p75 · the standard
48
14 runs
CRR1%latest
SSD67%latest
TC561 toklatest
TTFUT53 ms28-day p75

Scored by v3 · source-of-truth hashes: score db860d6ac94e · thresholds e94f8b33e500 — verifiable against the canonical scorer.

The 28-day score is the p75 of nightly runs — the stable number to cite. Deterministic metrics (CRR/SSD/TC) show their latest value (they move only when the site changes); timing (TTFUT) and answer-fidelity (AF) are smoothed by 28-day p75 — the same lab-vs-field split Core Web Vitals uses. Synthetic daily measurement, not real-user field data.

Core Agent Vitals badge  Embed this badge

Show your agent-readiness score anywhere — it links back to this report.

[![Core Agent Vitals](https://agentvitals.dev/badge/citi.com.svg)](https://agentvitals.dev/results?url=https%3A%2F%2Fwww.citi.com)
<a href="https://agentvitals.dev/results?url=https%3A%2F%2Fwww.citi.com"><img src="https://agentvitals.dev/badge/citi.com.svg" alt="Core Agent Vitals" height="20"></a>
What AI tells your customers about youAgent confidence: HIGH
Business nameOpen A Bank Account Online | Citi.com
CategoryWebPage
Pricenot applicable · not applicable to this page type
Locationnot applicable · not applicable to this page type
Hoursnot applicable · not applicable to this page type
Productsnot applicable · not applicable to this page type
DescriptionOpen a Citibank account online and enjoy online banking benefits. Experience seamless online banking with checking, savings and CD accounts today.

An agent can answer questions about you accurately. 3/3 applicable facts come from machine-readable structured data.

47
Overall score
weighted CAV (0–100)
FAIL
0–4950–8990–100

Metrics

1%
CRR Content Recovery Poor
0.67
SSD Semantic Signal Density Good
561 tok
TC Token Cost Good
64 ms
TTFUT Time to First Useful Token N/A

Token Cost breakdown

Where the page's tokens go (≈6,015 across regions). 66% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.

Content
34% · 2,045
Chrome (nav / header / footer)
60.9% · 3,666
Boilerplate (cookie / ad)
0.2% · 14
Other
4.8% · 290

Final screenshot

Final screenshot of https://www.citi.com

Diagnostics

high CRR Content is hidden behind JavaScript

pre-JS raw HTML

Evidence99% of content requires JS
ImpactA non-rendering agent never sees the JS-injected content.
Effort1–4 h

Fix: Server-render or statically generate the main content so a non-JS agent still receives it; make client rendering a progressive enhancement, not the source of truth.

high TC 66% of tokens are non-content (boilerplate/chrome)

agent representation — token decomposition

EvidenceToken decomposition: content 34%, chrome 60.9%, boilerplate 0.2%, other 4.8%. Only 34% of the agent's tokens are real content.
ImpactAn agent pays for boilerplate on every request and has less context left for the real content.
Effort30–90 min

Fix: Strip repeated nav/header/footer/cookie chrome from the agent-visible output; wrap content in <main>/<article> so the extractor keeps signal and drops boilerplate.

Rendered profile: headless

Agent Discoverability 78/100 · Needs Work

Access & discovery checks — separate from the gated CAV metrics above. Click an issue for business impact, what we measured, and how to fix. · Take the Agent Readiness course →

Agent files & endpoints

llms.txt Absent at /llms.txt and /.well-known/llms.txt Learn →
robots.txt (AI bots) Major AI bots allowed Learn →
sitemap.xml No /sitemap.xml Learn →
JSON-LD structured data Types: WPHeader, WebPage, BreadcrumbList, ItemList, FAQPage Learn →
~ agents.json Absent (emerging standard) Learn →
~ WebMCP endpoint Absent (emerging standard) Learn →
~ OpenAPI / API docs No OpenAPI/Swagger found Learn →

Issues (5)

llms.txt present high impact Absent at /llms.txt and /.well-known/llms.txt

Business impact llms.txt is the robots.txt for AI: it tells agents what your site is, what matters, and where to find it. Without it AI guesses — and guessing means inaccurate recommendations and lost visibility.

What we measured We fetch /llms.txt and /.well-known/llms.txt and validate the spec (H1 title + a one-line blockquote summary). We also note /llms-full.txt (your full content as Markdown).

How to fix Create /llms.txt with a short summary + key pages; optionally /llms-full.txt with full content in Markdown.

Learn how to implement →

# Your Site
> One-line description for AI agents.

## Key pages
- /products — catalog
- /pricing — plans
- /docs — documentation

Spec: https://llmstxt.org

XML sitemap present medium impact No /sitemap.xml

Business impact A sitemap is your table of contents for AI crawlers. Without it agents follow homepage links and miss deep pages (products, docs, pricing) — shrinking what they can recommend.

What we measured We fetch /sitemap.xml (and /sitemap_index.xml), confirm valid XML with <loc> entries, and check <lastmod> freshness.

How to fix Generate an XML sitemap of all public pages with current lastmod dates and reference it in robots.txt.

Learn how to implement →

# robots.txt
Sitemap: https://example.com/sitemap.xml

Spec: https://www.sitemaps.org/

~ agents.json discovery low impact Absent (emerging standard)

Business impact agents.json describes what your site can DO for agents (services, endpoints, capabilities) — an emerging discovery standard. Early adopters get native agent integration.

What we measured We check /agents.json and /.well-known/agents.json for a valid configuration.

How to fix Publish /agents.json describing your site's capabilities and actions.

Learn how to implement →

Spec: https://github.com/wild-card-ai/agents-json

~ WebMCP endpoint low impact Absent (emerging standard)

Business impact WebMCP lets agents call actions on your site directly (book, buy, query) instead of scraping the DOM. Early adopters get native AI-agent interoperability.

What we measured We check /.well-known/webmcp and /webmcp.json for a valid actions array.

How to fix Add a WebMCP endpoint exposing your key actions to agents.

Learn how to implement →

Spec: https://webmcp.org

~ API documentation low impact No OpenAPI/Swagger found

Business impact Programmatic agents prefer a typed API. An OpenAPI/Swagger spec lets them integrate without scraping.

What we measured We probe /openapi.json, /swagger.json, /api-docs and /.well-known/openapi.json.

How to fix Publish an OpenAPI spec at a well-known path.

Learn how to implement →

Spec: https://www.openapis.org/

Passed audits (7)

✓ robots.txt allows AI bots✓ No CAPTCHA wall✓ No content-blocking cookie wall✓ Machine-readable prices✓ No login wall on public content✓ Structured data (JSON-LD)✓ Server response (TTFB)

Transport & Trust (SEC 1.0.0)

HTTPS, HSTS, CSP, sniffing, referrer and CORS posture. Diagnostic only — this does not affect the CAV score. A security header does not make a page more legible to an agent, so scoring it would reward a CDN toggle that changes nothing an agent can recover. We measure it and say so.

86Transport posture (0–100, unscored)
5pass
1warn
0fail
Per-header findings (6)
HeaderEvidence
✅ HTTPSserved over HTTPS
✅ HSTSmax-age=31536000; includeSubDomains
⚠️ Content-Security-Policyscript-src allows 'unsafe-inline'
✅ X-Content-Type-Optionsnosniff
✅ Referrer-Policyno-referrer, strict-origin-when-cross-origin
✅ CORS exposureaccess-control-allow-origin: https://citimobile.citibankonline.com
Full profile — how to improve · unused JS · network · timing

How to improve

highSplit the heaviest unused bundlehighest leverage

chunk-5NZJ6FRH.js — 702 KiB transferred, 54% unused

EvidenceCDP JS coverage: 379 KiB of this bundle is never executed on load.
Impact~-379 KiB transfer; lower Token Cost + faster agent parse.
Effort30–90 min
FixDynamic-import() the below-the-fold parts of chunk-5NZJ6FRH.js, or drop unused dependencies.
highBreak up long main-thread tasks

longest task 629 ms (10 total)

EvidenceMain thread blocked 629 ms by the longest task.
ImpactFaster interactivity + content settling.
Effort1–4 h
FixSplit heavy work, defer third-party scripts, move compute off the main thread.
mediumCut third-party weight

googletagmanager.com — 668 KiB, 5 requests, 124 ms main-thread

EvidenceThird-party is 36.9% of total transfer (86 requests); googletagmanager.com is the largest.
ImpactFewer bytes + main-thread stalls before your content settles for an agent.
Effort1–3 h
FixLazy-load, self-host, or remove googletagmanager.com; defer non-critical third-party scripts.
mediumReduce layout shift

cumulative layout shift

EvidenceCLS is 0.121.
ImpactStable layout for render + screenshot.
Effort30–60 min
FixSet explicit width/height on images; reserve space for late-loading content.
mediumCut total transfer weight

3.7 MB total

Evidence3.7 MB transferred.
ImpactCheaper, faster fetch on slow links.
Effort1–3 h
FixEnable Brotli, serve WebP/AVIF images, defer non-critical resources.

Third-party impact

86 third-party requests · 1406 KiB (36.9% of transfer) · 814 ms main-thread — code an agent must also fetch/run before your content settles. Fewer, lazier third-parties = faster, cheaper agent reads.

Third-party domainReqsTransferMain-thread
googletagmanager.com5668 KiB124 ms
gbqofs.com4221 KiB87 ms
ensighten.com28215 KiB364 ms
qualtrics.com11127 KiB35 ms
adobedtm.com384 KiB64 ms
boomtrain.com332 KiB
tvpixel.com332 KiB22 ms
rezync.com215 KiB19 ms
rfihub.net17 KiB99 ms
demdex.net42 KiB
zetaglobal.net21 KiB
online-metrix.net31 KiB

Wasted JavaScript (by bundle)

Transfer-accurate — each bundle's transfer size × its unused %, ranked by wasted bytes (the biggest code-splitting wins). Unused JS also inflates Token Cost (TC).

BundleTransferUnusedWasted
https://www.citi.com/cbol-hp-static-assets/chunk-5NZJ6FRH.js702 KiB54%379 KiB
https://www.citi.com/cbol-hp-static-assets/cbol-core-assets/cedric/cedric_2.53.js240 KiB37.8%91 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-bootstrap.min.js 3P162 KiB48.4%78 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6256710&cx=c&gtm=4e67f0h1 3P133 KiB56.8%76 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6268858&cx=c&gtm=4e67f0h1 3P133 KiB56.8%76 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6415812&cx=c&gtm=4e67f0h1 3P133 KiB56.8%76 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6269322&cx=c&gtm=4e67f0h1 3P134 KiB56.5%76 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6260004 3P134 KiB52.8%71 KiB
https://nexus.ensighten.com/citi/na_prod/Bootstrap.js 3P123 KiB52.8%65 KiB
https://nexus.ensighten.com/citi/na_prod/code/7573d9a70a86ce15407cdd4d8dcc04ba.js?conditionId0=421908 3P76 KiB82.1%62 KiB
https://content22.online.citi.com/7153eHJpH1P9Wj2e?23b09452ab7b90ac=SFDIXTSHFMft9ASKlnKNbuxbPydGqt-7KxRtIEo6hUKdg6HKoXnrpqOWGiqjenT0HxpiMhG7-P8tY4flR--gy_os17Ofv1_XDoRmGZVRtQv-02GaSk6NDeomAb55jzKeTFkcU80yWPGjsQqEnxm1YYCUHRHjx10ykhU9Z0aZ2N9yMQ-KZEP1hA3zw3jpk0QZND2b3vtQy1-BPy1Al1hTWaU4eUNzbpFPW0n0tkjUhM4vqs_fvSRjC943AWypxbIpqw&jb=3730242462716d773d4c696c777a266a716f3d44696c75782e6a7b60773d416a726d6d672e6a71623f416a7a6f6d67273230313234142 KiB40.7%58 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-NLQK3GQE.js61 KiB62.6%38 KiB
https://assets.adobedtm.com/cfd99e2e6a3f/33ea238d06e1/launch-3aa2bb3a5e13-staging.min.js 3P81 KiB39.7%32 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-lazy.min.js 3P54 KiB59.2%32 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-RY7FHLFW.js112 KiB28.2%32 KiB

Network

188Requests
3808 KiBTransferred
60Scripts
36.9%3rd-party
10Long tasks
Script (60)
2947 KiB
Image (50)
419 KiB
XHR (43)
234 KiB
Document (11)
77 KiB
Font (4)
76 KiB
Stylesheet (1)
44 KiB
Other (7)
8 KiB
Fetch (12)
4 KiB
Heaviest requests (30)
URLTypeStatusTransfer
https://www.citi.com/cbol-hp-static-assets/chunk-5NZJ6FRH.jsScript200702 KiB
https://www.citi.com/cbol-hp-static-assets/cbol-core-assets/cedric/cedric_2.53.jsScript200240 KiB
https://www.citi.com/Em20M/IG/uvq/Xv/Lm3KdVBt/uL7frbiSQ9fYDV/VAMtCnYIAg/CgxdR2p/cOxoBScript200177 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-bootstrap.min.jsScript200162 KiB
https://content22.online.citi.com/7153eHJpH1P9Wj2e?23b09452ab7b90ac=SFDIXTSHFMft9ASKlnKNbuxbPydGqt-7KxRtIEo6hUKdg6HKoXnrpqOWGiqjenT0HxpiMhG7-P8tY4flR--gy_os17Ofv1_XDoRmGZVRtQv-02GaSk6NDeomAb55jzKeTFkcU80yWPGjsQqEnxm1YYCUHRHjx10ykhU9Z0aZ2N9yMQ-KZEP1hA3zw3jpk0QZND2b3vtQy1-BPy1Al1hTWaU4eUNzbpFPW0n0tkjUhM4vqs_fvSRjC943AWypxbIpqw&jb=3730242462716d773d4c696c777a266a716f3d44696c75782e6a7b60773d416a726d6d672e6a71623f416a7a6f6d67273230313234Script200142 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6260004Script200134 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6269322&cx=c&gtm=4e67f0h1Script200134 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6268858&cx=c&gtm=4e67f0h1Script200133 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6415812&cx=c&gtm=4e67f0h1Script200133 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6256710&cx=c&gtm=4e67f0h1Script200133 KiB
https://nexus.ensighten.com/citi/na_prod/Bootstrap.jsScript200123 KiB
https://www.citi.com/gcgapi/prod/public/v1/configXHR200116 KiB
https://www.citi.com/credit-cards/rfuidmatch?XP_UID=SY-00aWahGz3AK0k=785&_guid=d1d1600d-5265-4017-a986-dc718d59dd73&_site=citibank&_tid=74b8b780-a374-4554-a928-4b6a156b835bImage200115 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-RY7FHLFW.jsScript200112 KiB
https://assets.adobedtm.com/cfd99e2e6a3f/33ea238d06e1/launch-3aa2bb3a5e13-staging.min.jsScript20081 KiB
https://nexus.ensighten.com/citi/na_prod/code/7573d9a70a86ce15407cdd4d8dcc04ba.js?conditionId0=421908Script20076 KiB
https://aemapi.citi.com/content/dam/cfs/mobile/assets/CBOL/IA/Angular/assets/Citi_Icon_Sprite_Banner_v2.svgImage20064 KiB
https://www.citi.com/CBOL/IA/Angular/assets/Citi_Icon_Sprite_Banner_v2.svgImage20063 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-NLQK3GQE.jsScript20061 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-lazy.min.jsScript20054 KiB
https://www.citi.com/cbol-hp-static-assets/main-ZZCDRUET.jsScript20052 KiB
https://www.citi.com/gcgapi/prod/api/v1/marketing/offers/bannerXHR20050 KiB
https://www.citi.com/cbol-hp-static-assets/styles-6M3B4DA7.cssStylesheet20044 KiB
https://www.citi.com/Document20040 KiB
https://siteintercept.qualtrics.com/dxjsmodule/941.769e075aa2ef88969a43.chunk.js?Q_CLIENTVERSION=2.53.0&Q_CLIENTTYPE=web&Q_BRANDID=www.citi.comScript20038 KiB
https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cbol-homepage/en/banners/images/HP_14408_Platinum_3UpModule.jpgImage20037 KiB
https://siteintercept.qualtrics.com/dxjsmodule/CoreModule.js?Q_CLIENTVERSION=2.53.0&Q_CLIENTTYPE=web&Q_BRANDID=citifeedbackScript20033 KiB
https://cdn.boomtrain.com/p13n/citibank/p13n.min.jsScript20032 KiB
https://c.tvpixel.com/js/current/dpm_pixel_min.js?aid=citi-d4f85824-1351-4554-91ff-fdb56f962c5c&comscore=trueScript20032 KiB
https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cbol-homepage/en/banners/images/HP_17586_Hero_DP.pngImage20030 KiB

Long tasks (>50 ms)

StartDuration
285 ms629 ms
5728 ms450 ms
3843 ms409 ms
1143 ms388 ms
2279 ms351 ms
3397 ms294 ms
7281 ms210 ms
25808 ms167 ms
6946 ms122 ms
1677 ms121 ms
Analyzing…
running mobile + desktop · ~30s