{
  "meta": {
    "vertical": "fintech and payments platforms",
    "sampleSize": 35,
    "measured": 28,
    "measuredAt": "2026-07-29",
    "method": "Single HTTPS homepage GET per site via curl, delivered HTML only (no JavaScript executed). Third-party and tracker counts reflect origins declared in the delivered document; runtime-injected resources are out of scope. Accessibility signals are document-level structural checks, not a full WCAG audit.",
    "excluded": [
      {
        "name": "Chime",
        "reason": "HTTP 403 (automated request blocked)"
      },
      {
        "name": "Revolut",
        "reason": "HTTP 403 (automated request blocked)"
      },
      {
        "name": "Coinbase",
        "reason": "HTTP 403 (automated request blocked)"
      },
      {
        "name": "Toast",
        "reason": "HTTP 403 (automated request blocked)"
      },
      {
        "name": "SoFi",
        "reason": "HTTP 403 (automated request blocked)"
      },
      {
        "name": "Gusto",
        "reason": "HTTP 403 (automated request blocked)"
      },
      {
        "name": "Intuit",
        "reason": "HTTP 429 (automated request blocked)"
      }
    ]
  },
  "sites": [
    {
      "name": "Stripe",
      "ttfbMs": 173,
      "totalMs": 248,
      "htmlKB": 594,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 2,
      "imgs": 35,
      "imgAltPct": 11,
      "thirdParties": 7,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": false,
      "preConsentCookies": 1
    },
    {
      "name": "Block",
      "ttfbMs": 257,
      "totalMs": 259,
      "htmlKB": 122,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": false,
      "skipLink": false,
      "h1": 1,
      "imgs": 6,
      "imgAltPct": 100,
      "thirdParties": 7,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": false,
      "preConsentCookies": 0
    },
    {
      "name": "PayPal",
      "ttfbMs": 242,
      "totalMs": 522,
      "htmlKB": 308,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 0,
      "imgs": 2,
      "imgAltPct": 50,
      "thirdParties": 9,
      "trackers": 2,
      "trackerList": [
        "googletagmanager.com",
        "google-analytics.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 3
    },
    {
      "name": "Plaid",
      "ttfbMs": 471,
      "totalMs": 508,
      "htmlKB": 355,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": true,
      "h1": 1,
      "imgs": 23,
      "imgAltPct": 22,
      "thirdParties": 7,
      "trackers": 1,
      "trackerList": [
        "segment.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 4
    },
    {
      "name": "Brex",
      "ttfbMs": 291,
      "totalMs": 331,
      "htmlKB": 677,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 54,
      "imgAltPct": 100,
      "thirdParties": 14,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 3
    },
    {
      "name": "Ramp",
      "ttfbMs": 263,
      "totalMs": 264,
      "htmlKB": 14,
      "httpVersion": "2",
      "compressed": false,
      "hsts": true,
      "htmlLang": false,
      "viewport": false,
      "mainLandmark": false,
      "skipLink": false,
      "h1": 0,
      "imgs": 0,
      "imgAltPct": 100,
      "thirdParties": 0,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": false,
      "preConsentCookies": 6
    },
    {
      "name": "Wise",
      "ttfbMs": 836,
      "totalMs": 881,
      "htmlKB": 1313,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": true,
      "h1": 1,
      "imgs": 125,
      "imgAltPct": 12,
      "thirdParties": 11,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": true,
      "preConsentCookies": 3
    },
    {
      "name": "Robinhood",
      "ttfbMs": 363,
      "totalMs": 399,
      "htmlKB": 285,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": false,
      "skipLink": false,
      "h1": 8,
      "imgs": 14,
      "imgAltPct": 86,
      "thirdParties": 9,
      "trackers": 1,
      "trackerList": [
        "tiktok.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 0
    },
    {
      "name": "Affirm",
      "ttfbMs": 223,
      "totalMs": 266,
      "htmlKB": 949,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": true,
      "h1": 0,
      "imgs": 92,
      "imgAltPct": 58,
      "thirdParties": 9,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 2
    },
    {
      "name": "Klarna",
      "ttfbMs": 723,
      "totalMs": 804,
      "htmlKB": 788,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 9,
      "imgAltPct": 89,
      "thirdParties": 10,
      "trackers": 4,
      "trackerList": [
        "googletagmanager.com",
        "google-analytics.com",
        "doubleclick.net",
        "fullstory.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 3
    },
    {
      "name": "Marqeta",
      "ttfbMs": 162,
      "totalMs": 217,
      "htmlKB": 309,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 21,
      "imgAltPct": 100,
      "thirdParties": 11,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 0
    },
    {
      "name": "Adyen",
      "ttfbMs": 257,
      "totalMs": 339,
      "htmlKB": 1112,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 5,
      "imgAltPct": 60,
      "thirdParties": 4,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": true,
      "preConsentCookies": 0
    },
    {
      "name": "BILL",
      "ttfbMs": 199,
      "totalMs": 239,
      "htmlKB": 434,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 80,
      "imgAltPct": 85,
      "thirdParties": 21,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 1
    },
    {
      "name": "Melio",
      "ttfbMs": 256,
      "totalMs": 293,
      "htmlKB": 653,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 274,
      "imgAltPct": 53,
      "thirdParties": 7,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": false,
      "preConsentCookies": 1
    },
    {
      "name": "Mercury",
      "ttfbMs": 213,
      "totalMs": 271,
      "htmlKB": 828,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 35,
      "imgAltPct": 66,
      "thirdParties": 13,
      "trackers": 1,
      "trackerList": [
        "tiktok.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 0
    },
    {
      "name": "Betterment",
      "ttfbMs": 226,
      "totalMs": 1337,
      "htmlKB": 405,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": true,
      "h1": 1,
      "imgs": 48,
      "imgAltPct": 56,
      "thirdParties": 16,
      "trackers": 3,
      "trackerList": [
        "googletagmanager.com",
        "hubspot.com",
        "adroll.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 3
    },
    {
      "name": "Wealthfront",
      "ttfbMs": 531,
      "totalMs": 618,
      "htmlKB": 2377,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 37,
      "imgAltPct": 86,
      "thirdParties": 1,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": false,
      "preConsentCookies": 1
    },
    {
      "name": "Remitly",
      "ttfbMs": 389,
      "totalMs": 435,
      "htmlKB": 377,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": true,
      "h1": 1,
      "imgs": 31,
      "imgAltPct": 71,
      "thirdParties": 9,
      "trackers": 1,
      "trackerList": [
        "tiktok.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 11
    },
    {
      "name": "Payoneer",
      "ttfbMs": 532,
      "totalMs": 588,
      "htmlKB": 720,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 97,
      "imgAltPct": 98,
      "thirdParties": 17,
      "trackers": 2,
      "trackerList": [
        "googletagmanager.com",
        "bat.bing.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 1
    },
    {
      "name": "Checkout.com",
      "ttfbMs": 297,
      "totalMs": 304,
      "htmlKB": 313,
      "httpVersion": "2",
      "compressed": true,
      "hsts": false,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 226,
      "imgAltPct": 29,
      "thirdParties": 15,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 1
    },
    {
      "name": "Deel",
      "ttfbMs": 219,
      "totalMs": 296,
      "htmlKB": 1212,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 91,
      "imgAltPct": 90,
      "thirdParties": 10,
      "trackers": 3,
      "trackerList": [
        "googletagmanager.com",
        "google-analytics.com",
        "hs-scripts.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 2
    },
    {
      "name": "Rippling",
      "ttfbMs": 358,
      "totalMs": 608,
      "htmlKB": 4764,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": true,
      "h1": 1,
      "imgs": 46,
      "imgAltPct": 78,
      "thirdParties": 14,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 3
    },
    {
      "name": "Nubank",
      "ttfbMs": 300,
      "totalMs": 362,
      "htmlKB": 1079,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": false,
      "skipLink": false,
      "h1": 1,
      "imgs": 96,
      "imgAltPct": 94,
      "thirdParties": 14,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 0
    },
    {
      "name": "Xero",
      "ttfbMs": 652,
      "totalMs": 722,
      "htmlKB": 496,
      "httpVersion": "2",
      "compressed": true,
      "hsts": false,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 35,
      "imgAltPct": 29,
      "thirdParties": 6,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": true,
      "preConsentCookies": 2
    },
    {
      "name": "Navan",
      "ttfbMs": 311,
      "totalMs": 356,
      "htmlKB": 927,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": false,
      "skipLink": false,
      "h1": 1,
      "imgs": 216,
      "imgAltPct": 100,
      "thirdParties": 4,
      "trackers": 1,
      "trackerList": [
        "googletagmanager.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 1
    },
    {
      "name": "Modern Treasury",
      "ttfbMs": 306,
      "totalMs": 312,
      "htmlKB": 169,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 41,
      "imgAltPct": 88,
      "thirdParties": 5,
      "trackers": 0,
      "trackerList": [],
      "consentSignal": false,
      "preConsentCookies": 0
    },
    {
      "name": "Unit",
      "ttfbMs": 231,
      "totalMs": 319,
      "htmlKB": 201,
      "httpVersion": "2",
      "compressed": false,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 95,
      "imgAltPct": 19,
      "thirdParties": 14,
      "trackers": 3,
      "trackerList": [
        "googletagmanager.com",
        "hotjar.com",
        "hs-scripts.com"
      ],
      "consentSignal": false,
      "preConsentCookies": 0
    },
    {
      "name": "Alloy",
      "ttfbMs": 394,
      "totalMs": 432,
      "htmlKB": 469,
      "httpVersion": "2",
      "compressed": true,
      "hsts": true,
      "htmlLang": true,
      "viewport": true,
      "mainLandmark": true,
      "skipLink": false,
      "h1": 1,
      "imgs": 150,
      "imgAltPct": 5,
      "thirdParties": 12,
      "trackers": 3,
      "trackerList": [
        "googletagmanager.com",
        "google-analytics.com",
        "hotjar.com"
      ],
      "consentSignal": true,
      "preConsentCookies": 0
    }
  ]
}