PLATFORM PROFILEPrivate
Plaid
2.89
B-index (V3.1)
BLACK HOLE
Capture1.292
Escape0.447
Key Structural Insight
Bank-account API 12K integrations
Eleven-Parameter Profile
Data Depth7/10
Memory7/10
Action7/10
Process8/10
Network8/10
Closeness7/10
Portability4/10
Substitutability5/10
Human Fallback5/10
Org Depth6/10
Momentum5/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.7244 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.7000 | √(d · m) |
| Operability synergy σₒ | 0.7483 | √(a · p) |
| Synergy boost | 1.2172 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.3000 | 1 + 0.5·o |
| Momentum multiplier | 1.1500 | 1 + 0.3·t |
| Total Capture | 1.2918 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.4654 | CES(x, s, h) |
| Feedback attenuation | 0.7465 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.4474 | ε + escCore · feedback |
| B = Capture / Escape | 2.89 | 1.292 / 0.447 |
Scoring Rationale
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE7+0.82
PORT4-0.35
SUB5-0.31
FALL5-0.31
ACT7+0.29
DATA7+0.29
MEM7+0.29
PROC8+0.27
ORG6+0.22
NET8+0.21
MOM5+0.15
+ 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 | 2.87 | BLACK HOLE | Profile → |
| 08 | Block (Square) | XYZ | 2.81 | BLACK HOLE | Profile → |
| 09 | Wise | WISE.L | 1.80 | EVENT HORIZON | Profile → |
| 10 | Marqeta | MQ | 1.52 | EVENT HORIZON | Profile → |
| 11 | Robinhood | HOOD | 1.16 | TRANSITION | Profile → |
| 12 | PayPal | PYPL | 1.14 | TRANSITION | Profile → |