www.citi.com

Report from 9/21/2026, 11:39:28 AM https://www.citi.com
Latest run · lab, cold cache
50
9/21/2026
28-day score · p75 · the standard
47
30 runs
CRR1%latest
SSD79%latest
TC514 toklatest
TTFUT40 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.

49
Overall score
weighted CAV (0–100)
FAIL
0–4950–8990–100

Metrics

1%
CRR Content Recovery Poor
0.74
SSD Semantic Signal Density Good
369 tok
TC Token Cost Good
25 ms
TTFUT Time to First Useful Token N/A

Token Cost breakdown

Where the page's tokens go (≈3,759 across regions). 62% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.

Content
38.5% · 1,449
Chrome (nav / header / footer)
53.4% · 2,008
Boilerplate (cookie / ad)
0.4% · 14
Other
7.7% · 288

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 61.5% of tokens are non-content (boilerplate/chrome)

agent representation — token decomposition

EvidenceToken decomposition: content 38.5%, chrome 53.4%, boilerplate 0.4%, other 7.7%. Only 38.5% 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-2HAINXXU.js — 707 KiB transferred, 53.9% unused

EvidenceCDP JS coverage: 381 KiB of this bundle is never executed on load.
Impact~-381 KiB transfer; lower Token Cost + faster agent parse.
Effort30–90 min
FixDynamic-import() the below-the-fold parts of chunk-2HAINXXU.js, or drop unused dependencies.
mediumCut third-party weight

googletagmanager.com — 697 KiB, 5 requests

EvidenceThird-party is 38.5% of total transfer (79 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.
mediumBreak up long main-thread tasks

longest task 186 ms (5 total)

EvidenceMain thread blocked 186 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 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

79 third-party requests · 1463 KiB (38.5% of transfer) · 186 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.com5697 KiB
ensighten.com20230 KiB186 ms
gbqofs.com4221 KiB
qualtrics.com11129 KiB
adobedtm.com386 KiB
boomtrain.com433 KiB
tvpixel.com332 KiB
rezync.com323 KiB
rfihub.net16 KiB
demdex.net42 KiB
zetaglobal.net31 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-2HAINXXU.js707 KiB53.9%381 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 KiB52.6%85 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6268858&cx=c&gtm=4e69f3 3P139 KiB56.1%78 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6256710&cx=c&gtm=4e69f3 3P139 KiB56.1%78 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6415812&cx=c&gtm=4e69f3 3P139 KiB56.1%78 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6269322&cx=c&gtm=4e69f3 3P140 KiB55.9%78 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6260004 3P140 KiB53.6%75 KiB
https://nexus.ensighten.com/citi/na_prod/Bootstrap.js 3P133 KiB53.3%71 KiB
https://nexus.ensighten.com/citi/na_prod/code/8d975c8e825547b4ece5c36bed662ace.js?conditionId0=421908 3P82 KiB82.8%68 KiB
https://content22.online.citi.com/eatbxiiowifgw1zn.js?8t2uevzn5fjled5m=89oebq5k&a40w65tp2pgx9r97=80f9c19eb912960d94c07961ac54cec194a4b52cab995fbaaddbcfbcec71c8f6194 KiB33%64 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-2DHTUVC2.js61 KiB62.7%38 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-lazy.min.js 3P54 KiB61.7%33 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-K677FNT5.js110 KiB27.1%30 KiB
https://assets.adobedtm.com/cfd99e2e6a3f/33ea238d06e1/launch-253fe6f30019.min.js 3P83 KiB35.5%30 KiB

Network

170Requests
3801 KiBTransferred
60Scripts
38.5%3rd-party
5Long tasks
Script (60)
3079 KiB
Image (42)
304 KiB
XHR (35)
205 KiB
Document (10)
81 KiB
Font (4)
76 KiB
Stylesheet (1)
44 KiB
Other (6)
8 KiB
Fetch (12)
4 KiB
Heaviest requests (30)
URLTypeStatusTransfer
https://www.citi.com/cbol-hp-static-assets/chunk-2HAINXXU.jsScript200707 KiB
https://www.citi.com/cbol-hp-static-assets/cbol-core-assets/cedric/cedric_2.53.jsScript200240 KiB
https://content22.online.citi.com/eatbxiiowifgw1zn.js?8t2uevzn5fjled5m=89oebq5k&a40w65tp2pgx9r97=80f9c19eb912960d94c07961ac54cec194a4b52cab995fbaaddbcfbcec71c8f6Script200194 KiB
https://www.citi.com/ws2cck/0Au/2AI/NpM0pOXg/w9Ecmw1muO5ztGhi3N/M3MLaQE/bxEpER0/SLhEScript200188 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-bootstrap.min.jsScript200162 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6260004Script200140 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6269322&cx=c&gtm=4e69f3Script200140 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6268858&cx=c&gtm=4e69f3Script200139 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6256710&cx=c&gtm=4e69f3Script200139 KiB
https://www.googletagmanager.com/gtag/js?id=DC-6415812&cx=c&gtm=4e69f3Script200139 KiB
https://nexus.ensighten.com/citi/na_prod/Bootstrap.jsScript200133 KiB
https://www.citi.com/gcgapi/prod/public/v1/configXHR200118 KiB
https://www.citi.com/cbol-hp-static-assets/chunk-K677FNT5.jsScript200110 KiB
https://assets.adobedtm.com/cfd99e2e6a3f/33ea238d06e1/launch-253fe6f30019.min.jsScript20083 KiB
https://nexus.ensighten.com/citi/na_prod/code/8d975c8e825547b4ece5c36bed662ace.js?conditionId0=421908Script20082 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-2DHTUVC2.jsScript20061 KiB
https://cdn.gbqofs.com/citi-na-prod/detector/detector-lazy.min.jsScript20054 KiB
https://www.citi.com/cbol-hp-static-assets/main-BDF5AWAG.jsScript20051 KiB
https://www.citi.com/gcgapi/prod/api/v1/marketing/offers/bannerXHR20046 KiB
https://www.citi.com/cbol-hp-static-assets/styles-B52X3EXT.cssStylesheet20044 KiB
https://www.citi.com/Document20041 KiB
https://siteintercept.qualtrics.com/dxjsmodule/626.848665a0a9c3ddf336b8.chunk.js?Q_CLIENTVERSION=2.57.0&Q_CLIENTTYPE=web&Q_BRANDID=www.citi.comScript20039 KiB
https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cbol-homepage/en/banners/images/HP13143_Platinum_3UpModule.jpgImage20037 KiB
https://siteintercept.qualtrics.com/dxjsmodule/CoreModule.js?Q_CLIENTVERSION=2.57.0&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
https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cbol-homepage/en/banners/images/HP_17722_3-up_EDD-BAU.jpgImage20026 KiB

Long tasks (>50 ms)

StartDuration
444 ms186 ms
218 ms138 ms
793 ms108 ms
1619 ms69 ms
1943 ms50 ms
Analyzing…
running mobile + desktop · ~30s