BHI 3.0·Q1 2026 Bulletin
Last computed 14:32 UTC, Apr 29 2026·Spearman ρ = 0.83·Validation: preliminary
Today's bulletin →
Movers · since 14:32 UTC, Apr 29 2026
PLATFORM PROFILEHOOD

Robinhood

$64B25M+ funded accountsFintech & Payments
1.16
B-index (V3.1)
TRANSITION
Capture0.716
Escape0.617
Key Structural Insight

High closeness, low structural depth. Habit without lock-in.

Eleven-Parameter Profile

5DATAMEMACTPROCNETCLOSEPORTSUBFALLORGMOM
Data Depth6/10
Memory4/10
Action6/10
Process5/10
Network5/10
Closeness7/10
Portability6/10
Substitutability6/10
Human Fallback7/10
Org Depth3/10
Momentum6/10
Capture Escape Extended

V3.1 Decomposition

ComponentValueFormula
CES₄ capture core0.5216CES(d, m, a, p)
Knowledge synergy σₖ0.4899√(d · m)
Operability synergy σₒ0.5477√(a · p)
Synergy boost1.15561 + 0.3·(σₖ + σₒ)/2
Org-depth multiplier1.15001 + 0.5·o
Momentum multiplier1.18001 + 0.3·t
Total Capture0.7157c·(1+0.5n)·core·syn·org·mom
CES₃ escape core0.6325CES(x, s, h)
Feedback attenuation0.8175max(0.3, 1 − 0.35·core)
Total Escape0.6170ε + escCore · feedback
B = Capture / Escape1.160.716 / 0.617

Scoring Rationale

Gamified mobile brokerage. High closeness. Building toward primary banking. But ACATS works, alternatives abundant.

Parameter Sensitivity

MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE7
+0.33
MEM4
+0.17
PROC5
+0.15
ACT6
+0.14
DATA6
+0.14
PORT6
-0.11
SUB6
-0.11
ORG3
+0.10
FALL7
-0.10
NET5
+0.09
MOM6
+0.06
+ raises B (deepens lock-in) lowers B (aids escape)

Comparable PlatformsFintech & Payments (7 peers)

#PlatformTickerB-indexZone
01VisaV8.82BLACK HOLEProfile →
02MastercardMA8.14BLACK HOLEProfile →
03NubankNU5.21BLACK HOLEProfile →
04StripePrivate3.67BLACK HOLEProfile →
05RevolutPrivate2.87BLACK HOLEProfile →
06Block (Square)XYZ2.81BLACK HOLEProfile →
07PayPalPYPL1.14TRANSITIONProfile →