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 PROFILEPrivate

Stripe

$159B5M+ businessesFintech & Payments
3.67
B-index (V3.1)
BLACK HOLE
Capture1.615
Escape0.440
Key Structural Insight

Each product is a hook. API lock-in invisible until migration attempt.

Eleven-Parameter Profile

5DATAMEMACTPROCNETCLOSEPORTSUBFALLORGMOM
Data Depth8/10
Memory6/10
Action8/10
Process9/10
Network8/10
Closeness7/10
Portability4/10
Substitutability5/10
Human Fallback5/10
Org Depth8/10
Momentum8/10
Capture Escape Extended

V3.1 Decomposition

ComponentValueFormula
CES₄ capture core0.7709CES(d, m, a, p)
Knowledge synergy σₖ0.6928√(d · m)
Operability synergy σₒ0.8485√(a · p)
Synergy boost1.23121 + 0.3·(σₖ + σₒ)/2
Org-depth multiplier1.40001 + 0.5·o
Momentum multiplier1.24001 + 0.3·t
Total Capture1.6148c·(1+0.5n)·core·syn·org·mom
CES₃ escape core0.4654CES(x, s, h)
Feedback attenuation0.7302max(0.3, 1 − 0.35·core)
Total Escape0.4398ε + escCore · feedback
B = Capture / Escape3.671.615 / 0.440

Scoring Rationale

APIs in 5M+ codebases. 80% of Nasdaq 100. Migration = months of engineering. Atlas, Billing, Radar, Tax, Treasury, Connect — each deepens integration.

Parameter Sensitivity

MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE7
+1.05
PORT4
-0.44
MEM6
+0.40
SUB5
-0.40
FALL5
-0.40
ACT8
+0.35
DATA8
+0.34
PROC9
+0.33
NET8
+0.26
ORG8
+0.26
MOM8
+0.18
+ 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 →
04RevolutPrivate2.87BLACK HOLEProfile →
05Block (Square)XYZ2.81BLACK HOLEProfile →
06RobinhoodHOOD1.16TRANSITIONProfile →
07PayPalPYPL1.14TRANSITIONProfile →