rate.am

Readiness by lane

Green: rate.am. Thin bar: Banking & Finance peer median.

Priority fixes for rate.am

Ordered by impact and by how common each practice is among peers.

1. Priority 1 · Harden

   HSTS kept for at least a year

   Observed: The homepage response did not include a Strict-Transport-Security header.

   Why it matters: HSTS tells browsers to use HTTPS for your host on every later visit, which removes the window where a first HTTP request can be intercepted.

   What to do: Send Strict-Transport-Security on HTTPS responses. Start with a short max-age (for example 300 seconds), confirm every subdomain works over HTTPS, then raise it in steps to 31536000. Add includeSubDomains only when all subdomains are HTTPS. HSTS preload is optional and hard to undo; hstspreload.org itself does not recommend it by default.

   On Cloudflare: Enable HSTS under SSL/TLS > Edge Certificates > HTTP Strict Transport Security and raise max-age gradually.

   62% of Banking & Finance peers do this. Limit: Read from the homepage response only; other pages or regions may send different headers.

   Guide: HTTPS and TLS Guide for Website Owners

2. Priority 2 · Harden

   DMARC policy enforces quarantine or reject

   Observed: The DMARC policy for rate.am was p=none, which asks receivers to take no action on failing mail.

   What to do: Publish DMARC with p=none and a reporting address first, fix any legitimate senders that fail SPF or DKIM alignment, then move to quarantine and finally reject.

   70% of Banking & Finance peers do this.

   Guide: A Practical Website Health Check for Owners

3. Priority 3 · Enable

   robots.txt published

   Observed: No robots.txt file was returned at the site root.

   What to do: Publish /robots.txt with any crawl rules you need and a Sitemap: line pointing to your XML sitemap.

   86% of Banking & Finance peers do this.

   Guide: Robots.txt Guide: Control Crawling Without Hiding Mistakes

4. Priority 4 · Enable

   XML sitemap discoverable

   Observed: No sitemap was listed in robots.txt or found at /sitemap.xml.

   What to do: Generate an XML sitemap of canonical URLs, reference it in robots.txt and submit it in Google Search Console.

   76% of Banking & Finance peers do this.

   Guide: XML Sitemap Guide: Include Only URLs You Stand Behind

What rate.am already does well

Practices fewer than half of Banking & Finance peers use.

• CAA records limit who can issue certificatesCAA limits issuance to amazontrust.com.20% of peers
• Reachable over IPv6IPv6 address published.26% of peers
• Certificate lifetime of 100 days or lessShort-lived 90-day certificate from Google Trust Services, already inside the 2027 limit.31% of peers

What we saw

Homepage checked

https://www.rate.am/

Homepage response

HTTP 200, after 1 redirect

TLS

TLSv1.3, HTTP/2

Certificate

Google Trust Services, 90-day validity, expiring 2026-11-27

CDN or edge

Cloudflare

Platform or framework

Next.js

DNS operators

Cloudflare

DMARC policy

p=none

Homepage HTML

509 KB, br

Images on homepage

254 (svg 90)

Limits: homepage only, one location, one moment. Header checks reflect the homepage response; other pages may differ.

Stack and providers

Seen in the homepage response, certificate and DNS. Provider pages compare how their customers configure the same checks.

All 31 checks

Select a gap for the method and fix. How each check works

Compare with other Banking & Finance sites

• finchoice.mobi54
• intesasanpaolo.com53
• jibunbank.co.jp54
• mpowafin.co.za53
• nikomu.com54

Banking & Finance readiness benchmark