Novo vs Relay
Zero of fourteen models named Novo first on the direct prompt; zero named Relay. Novo was named by eleven of the fourteen models and Relay by fourteen and Novo carries 22 labels and Relay 26, so the shares are not directly comparable.
Named in one category this edition.
Named in two categories this edition.
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business banking page.
By framing
NovoFirst choices, of fourteen modelsRelay
Across every category in the October 2026 Edition, Novo and Relay were named in the same answer thirty-five times, of the 60 answers naming Novo and the 88 naming Relay. In those answers Relay took the first choice ten times and Novo seven.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | ||||
| GPT-5.4 mini | | |||||
| Gemini 3.5 Flash | | | | |||
| Perplexity Sonar | ||||||
| Grok 4.1 Fast | | | | |||
| Mistral Small | | | | |||
| DeepSeek V4 Flash | | | | | ||
| Llama 4 Maverick | ||||||
| Qwen 3.7 Flash | | | | |||
| Kimi K2 | | | | | ||
| GLM 4.7 FlashX | | |||||
| MiniMax M2.5 | | |||||
| GPT-6 Luna | | | ||||
| Muse Glimmer 30B | |
Novo Relay first choice named as an alternative argued againstblank: not namedEach cell is one answer, Novo on the left and Relay on the right.The direct prompt
Neither was the first choice, one was named
2 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
12 of 14 modelsThe answer made no first choice from these two in this category.Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
Relay2%#8 of 11Novo0%#– of 11What the models said about Novo
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“Online platforms like Novo or Lili are great for lean startups, but they lack a physical branch presence.” Gemini 3.5 Flash · negative prompt · soft negative
“Zero-cost digital first: Novo or American Express Business Checking if you want 100% free with no minimums and no fees on ACH/wires.” Muse Glimmer 30B · budget prompt · first choice
“Opt for established options like Novo, Lili, or traditional banks (e.g., Wells Fargo) with fewer closure complaints.” Grok 4.1 Fast · negative prompt · first choice
“If you want a simple, fee‑free online account: Go with Novo, Bluevine, or Lili.” GLM 4.7 FlashX · budget prompt · first choice
What the models said about Relay
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“51% of negatives related to account closures — the highest closure complaint ratio of any provider studied” DeepSeek V4 Flash · negative prompt · hard negative
“Elevated issues (13.3 negatives/month), 51% involving closures/freezes—tops the list for this problem.” Grok 4.1 Fast · negative prompt · hard negative
“Relay | 13.3 negative reviews/month | Account closures (51% of complaints)” Kimi K2 · negative prompt · hard negative
“For most companies with limited budgets, Mercury or Relay are excellent choices” Kimi K2 · budget prompt · first choice
“Mercury and Relay are standout choices for businesses with limited budgets” Mistral Small · budget prompt · first choice
“Relay has features that benefit midsize businesses and fast-growing startups, with no monthly fees and strong expense management tools.” Claude Haiku 4.5 · direct prompt · alternative
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.