PLATFORM PROFILEPYPL
PayPal
1.18
B-index (V3.1)
TRANSITION
Capture0.754
Escape0.638
Key Structural Insight
Eleven-Parameter Profile
Data Depth6/10
Memory5/10
Action6/10
Process5/10
Network7/10
Closeness6/10
Portability6/10
Substitutability7/10
Human Fallback7/10
Org Depth6/10
Momentum4/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.5489 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.5477 | √(d · m) |
| Operability synergy σₒ | 0.5477 | √(a · p) |
| Synergy boost | 1.1643 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.3000 | 1 + 0.5·o |
| Momentum multiplier | 1.1200 | 1 + 0.3·t |
| Total Capture | 0.7537 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.6658 | CES(x, s, h) |
| Feedback attenuation | 0.8079 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.6379 | ε + escCore · feedback |
| B = Capture / Escape | 1.18 | 0.754 / 0.638 |
Scoring Rationale
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE6+0.39
MEM5+0.15
PROC5+0.15
DATA6+0.14
ACT6+0.14
PORT6-0.11
SUB7-0.10
FALL7-0.10
ORG6+0.09
NET7+0.09
MOM4+0.06
+ raises B (deepens lock-in)− lowers B (aids escape)
Comparable Platforms — Fintech & Payments (12 peers)
| # | Platform | Ticker | B-index | Zone | |
|---|---|---|---|---|---|
| 01 | Visa | V | 8.82 | BLACK HOLE | Profile → |
| 02 | M-Pesa | SCOM.NR | 8.16 | BLACK HOLE | Profile → |
| 03 | Mastercard | MA | 8.14 | BLACK HOLE | Profile → |
| 04 | Nubank | NU | 5.21 | BLACK HOLE | Profile → |
| 05 | Adyen | ADYEN.AS | 5.10 | BLACK HOLE | Profile → |
| 06 | Stripe | Private | 3.67 | BLACK HOLE | Profile → |
| 07 | Revolut | Private | 2.98 | BLACK HOLE | Profile → |
| 08 | Block (Square) | XYZ | 2.92 | BLACK HOLE | Profile → |
| 09 | Plaid | Private | 2.89 | BLACK HOLE | Profile → |
| 10 | Wise | WISE.L | 1.80 | EVENT HORIZON | Profile → |
| 11 | Marqeta | MQ | 1.52 | EVENT HORIZON | Profile → |
| 12 | Robinhood | HOOD | 1.16 | TRANSITION | Profile → |