---
title: "Credit Agricole: the 360 check | Agent Ready Checklist"
description: "Credit Agricole on Ora's agent-readiness scan, read 2026-11-09: 74 of 100, grade B. 5 of 15 checklist rows met, 9 not met."
canonical: https://agentreadychecklist.com/blog/credit-agricole-agent-readiness
site: "Agent Ready Checklist"
last_updated: 2026-11-09
date: 2026-11-09
section: "360 checks"
---

# Credit Agricole: the 360 check | Agent Ready Checklist

> Credit Agricole on Ora's agent-readiness scan, read 2026-11-09: 74 of 100, grade B. 5 of 15 checklist rows met, 9 not met.

Source: https://agentreadychecklist.com/blog/credit-agricole-agent-readiness
Site: Agent Ready Checklist
Last reviewed: 2026-11-09
Agent endpoints: https://agentreadychecklist.com/llms.txt (index), https://agentreadychecklist.com/openapi.json (API), https://agentreadychecklist.com/mcp (MCP server), https://agentreadychecklist.com/ask (search)
Access: https://agentreadychecklist.com/auth.md (no key). Pricing: https://agentreadychecklist.com/pricing.md (free).

# Credit Agricole against the checklist: the 360 agent-readiness check

360 check, 9 November 2026. Credit Agricole is the French cooperative banking group.

Credit Agricole scores 74 of 100 on Ora's agent-readiness scan, a B, read 9 November 2026. At the door, can't verify agent access. 5 of the 15 checklist rows with an Ora check are met. The best-built home page so far, behind a door the scan could not test.

On 9 November 2026 the public site at credit-agricole.com scored **74 of 100** on [Ora's](https://ora.ai/?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check) agent-readiness scan, a B. Ora probes a site the way an agent would: it requests pages with the agents' own user agents, reads robots.txt, looks for the files agents read, and tries the API, MCP and payment surfaces. Below, each of the 31 checklist rows is read against the Ora checks the [crosswalk](https://agentreadychecklist.com/checklist/ora-checks/) names for it, so the result says which requirements this company meets, not only how many points it scored. Ora's one-line summary: Crédit Agricole offers strong structured data for discovery and usability.

## The score

| Layer | Points | Share | What the layer asks |
| --- | --- | --- | --- |
| Discovery | 9 of 11 | 82% | Can agents find and recommend it |
| Access | 16 of 37 | 43% | Can agents read it |
| Usability | 13 of 14 | 93% | Can agents use it |
| Payments | 0 of 0 | none apply | Can agents pay |
| Total | 74 of 100 | 74% | Grade B |

## Row by row

A row is met when every Ora check the crosswalk names for it passes, not met when every one fails, and partly when the checks disagree or one is partial. A row with no Ora check in the catalogue, or whose checks did not apply to this site, is marked as such; the [Verify Kit](https://agentreadychecklist.com/kit/) tests those by hand.

| Row | Level | Result | Ora checks, and what Ora saw |
| --- | --- | --- | --- |
| AR-FIND-01; Do not block agents | MUST | Met | robots.txt AI crawler policy (pass), robots.txt agent-user policy (pass), Agent crawler reachability (not applicable), Not blocked by bot detection (not applicable).; AI search crawlers: allowed in 3 of 3 checks (3 crawlers on 1 page). AI training crawlers: allowed in 2 of 2 checks (2 crawlers on 1 page), not scored. |
| AR-FIND-02; Answers on one first-party page | SHOULD | No Ora check | No check in Ora's catalogue names this row. |
| AR-FIND-03; Sitemap listed in robots.txt | SHOULD | Met | Sitemap exists (pass).; Valid sitemap found at /sitemap.xml with multiple sitemaps entries |
| AR-FIND-04; AI Catalog at .well-known | MAY | Not met | AI Catalog discovery (not applicable), ARD discovery (fail).; No /.well-known/ard.json, no same-site rel="ard" link, and no legacy /.well-known/ai-catalog.json |
| AR-READ-01; Answer in the initial HTML | MUST | Met | Content without JavaScript (pass).; Homepage: 4976 chars, semantic headings (1 H1 + 3 H2s + 12 H3s), 13.2% content ratio. 4 of 4 sampled inner pages have text without JavaScript. |
| AR-READ-02; Real HTTP status codes | MUST | Met | Redirect hygiene (pass).; Redirect hygiene: pass, 1 of 1. |
| AR-READ-03; Home page with real links | SHOULD | No Ora check | Public API/docs linked from homepage (not applicable). |
| AR-READ-04; Docs that answer agent tasks | SHOULD | No Ora check | No check in Ora's catalogue names this row. |
| AR-READ-05; Fenced, language-tagged code | SHOULD | No Ora check | Code fence validity (not applicable). |
| AR-READ-06; Link the discovery files | SHOULD | No Ora check | No check in Ora's catalogue names this row. |
| AR-READ-07; Ship llms.txt | SHOULD | Not met | llms.txt exists (fail), llms.txt formatting (fail), llms.txt links resolve (not applicable).; No llms.txt found at /llms.txt or /.well-known/llms.txt. |
| AR-READ-08; JSON-LD on key pages | SHOULD | Partly | JSON-LD structured data (partial).; JSON-LD Article found - missing name on this entity |
| AR-READ-09; Advertise a markdown mirror | MAY | Not met | Markdown alternate link (fail).; No sampled page advertises a markdown alternate. Add <link rel="alternate" type="text/markdown" href="..."> (or the equivalent Link response header) pointing at a markdown twin of the page. |
| AR-READ-11; Pricing as first-party HTML | SHOULD | Not met | Pricing info accessible (fail).; No pricing page or pricing data found |
| AR-ACT-01; Auth an agent can finish | SHOULD | No Ora check | OAuth 2.0 support (not applicable), Scoped permissions (not applicable). |
| AR-ACT-02; OpenAPI contract | SHOULD | No Ora check | OpenAPI spec published (not applicable). |
| AR-ACT-03; MCP over Streamable HTTP | SHOULD | No Ora check | MCP server / manifest (not applicable), Listed in MCP registries (not applicable), MCP PKCE S256 support (not applicable), MCP OAuth metadata (not applicable). |
| AR-ACT-04; MCP server card | MAY | Not met | MCP server-card.json (fail).; No MCP server card found (checked /.well-known/mcp/server-card.json, the site's ai-catalog.json, servers[].card in mcp.json, and <server>/server-card) |
| AR-ACT-05; MCP Apps view | MAY | No Ora check | MCP Apps support (not applicable). |
| AR-ACT-06; SDKs and a CLI | SHOULD | No Ora check | CLI tool available (not applicable), Multi-language SDK packages (not applicable), NPM/PyPI SDK package (not applicable). |
| AR-ACT-07; WebMCP tools | SHOULD | No Ora check | WebMCP support (not applicable). |
| AR-ACT-08; Agent payments | MAY | No Ora check | x402 payment protocol (not applicable), MPP payment protocol (not applicable), UCP - Universal Commerce Protocol (not applicable), ACP - Agentic Commerce Protocol (not applicable), ACP delegate payment (not applicable). |
| AR-ACT-09; NLWeb /ask endpoint | MAY | Not met | NLWeb /ask endpoint (fail).; No NLWeb-conformant /ask endpoint found via GET or POST |
| AR-ACT-10; An MCP server or a CLI | MUST | No Ora check | MCP server / manifest (not applicable), CLI tool available (not applicable). |
| CF-CONTENT-SIGNALS; Content-Signal line | cloudflare | No Ora check | No check in Ora's catalogue names this row. |
| CF-MARKDOWN-NEGOTIATION; Markdown by Accept | cloudflare | Not met | Markdown content negotiation (acceptmarkdown.com) (fail), Markdown agent docs (fail).; Homepage https://credit-agricole.com does not meet the Markdown negotiation requirements: Accept: text/markdown returned text/html; charset=iso-8859-1; Vary header missing Accept (got "none") |
| CF-PAY-PER-CRAWL; Pay per crawl, HTTP 402 | cloudflare | No Ora check | No check in Ora's catalogue names this row. |
| CF-OAUTH-DISCOVERY; OAuth discovery files | cloudflare | Not met | OAuth Protected Resource metadata (RFC 9728) (fail).; No /.well-known/oauth-protected-resource found (RFC 9728) |
| CF-AGENT-SKILLS; Agent Skills index | cloudflare | No Ora check | Agent Skills index conformance (v0.2.0) (not applicable). |
| VERCEL-NEGOTIATION-HEADERS; Markdown headers | vercel | Not met | Markdown content negotiation (acceptmarkdown.com) (fail).; Homepage https://credit-agricole.com does not meet the Markdown negotiation requirements: Accept: text/markdown returned text/html; charset=iso-8859-1; Vary header missing Accept (got "none") |
| VERCEL-ROBOTS-EXCLUSIONS; Robots exclusions | vercel | Met | robots.txt AI crawler policy (pass), robots.txt agent-user policy (pass).; AI search crawlers: allowed in 3 of 3 checks (3 crawlers on 1 page). AI training crawlers: allowed in 2 of 2 checks (2 crawlers on 1 page), not scored. |

## The fixes worth most points

Ora attaches an estimate to each failing or partial check: how many points the site would gain by passing it. These are the 5 with the largest estimates for Credit Agricole, each tied to the checklist row whose recipes cover it.

Agent-friendly 404s

Partial, 1 of 2, about 3.2 points to gain. Ora saw: Nonexistent paths return HTTP 418 instead of 404/410 - agents get a non-200 signal but not the standard not-found semantics. No checklist row names this check.

Agent instruction / when-to-use

Fail, 0 of 3, about 2.7 points to gain. Ora saw: No agent instruction file with when-to-use guidance found. No checklist row names this check.

Pricing info accessible

Fail, 0 of 3, about 2.7 points to gain. Ora saw: No pricing page or pricing data found. Row [AR-READ-11](https://agentreadychecklist.com/checklist/ar-read-11/), Pricing as first-party HTML.

ARD discovery

Fail, 0 of 1, about 2 points to gain. Ora saw: No /.well-known/ard.json, no same-site rel="ard" link, and no legacy /.well-known/ai-catalog.json. Row [AR-FIND-04](https://agentreadychecklist.com/checklist/ar-find-04/), AI Catalog at .well-known.

Brand name discoverability

Partial, 2 of 3, about 2 points to gain. Ora saw: credit-agricole.com ranks #8 for "Crédit Agricole actualité" (appears 2 times in the top 10) and #6 for "Crédit Agricole action". No checklist row names this check.

## Our read

Credit Agricole has the best-built home page in this series so far and a door Ora could not test. The page gives 4,976 characters at a 13.2 percent content ratio with one H1, three H2s and twelve H3s, four of four sampled pages are readable with real text, the sitemap index is valid, and robots.txt allows the search and training crawlers. The bot detection probe was stopped by a shield, a rate limit or a timeout, so whether the agents the policy welcomes actually get in is an open question on this page. The B of 74 also leans on a Usability layer of 13 of 14 with few checks applicable, so the act layer is small rather than strong. The gaps are the usual pair, no llms.txt and a JSON-LD block that is an Article without a name rather than an Organization, plus one oddity: a nonexistent path answers 418 instead of 404. A second scan would settle the door; the page behind it is already done.

## Verify your own site

The scan above is free and needs no account: enter a domain at [ora.ai](https://ora.ai/?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check) and read the same four layers for your own site, then take each failing row to its recipe on this site. The command below runs the same audit from a terminal and exits with 1 under the score you set, so it can gate a deploy. Payments did not apply to this company; a site that sells is read on that layer too. [Why Ora, and its limits](https://agentreadychecklist.com/verify-with-ora/).

```bash
npx ax@0.10 audit https://example.com --min-score 70
```

[All 360 checks](https://agentreadychecklist.com/blog/), one company a day. Corrections to [the corrections page](https://agentreadychecklist.com/corrections/).

## Sources

-   [ora.ai/api/score/credit-agricole.com, Ora's scan (vendor)](https://ora.ai/api/score/credit-agricole.com?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check)read 2026-11-09
-   [Ora's scoring rules, version 2 (vendor)](https://ora.ai/api/ranker/releases/2/rules?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check)read 2026-11-09
-   [ora.ai/api/checks, contract 1.38.0 (vendor)](https://ora.ai/api/checks?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check)read 2026-11-05
-   [credit-agricole.com, the company's site](https://www.credit-agricole.com/)read 2026-11-09

Edition

Data

2026-11-04

Reviewed

2026-11-05

Spec

AgentReady v2.0, 273d2d7

Crawl

13,071 rows, 2026-11-04

Ora

132 checks, contract 1.38.0, 2026-11-05

Verify with Ora

The scanner this site recommends for the whole checklist. 132 checks, a score out of 100, no account.

`npx ax@0.10 audit <url> --min-score <n>`

[Why Ora, and its limits](https://agentreadychecklist.com/verify-with-ora/)

Method

-   [How rows, commands and rates are made](https://agentreadychecklist.com/method/)
-   [How an Ora check is matched to a row](https://agentreadychecklist.com/checklist/ora-checks/)
-   [Pass rates by rank band](https://agentreadychecklist.com/data/by-rank/)

Sources and read dates sit at the foot of the page.

Last reviewed 2026-11-09. AgentReady v2.0, read 2026-11-04.