{
  "_meta": {
    "description": "AI-judged confidence per (provider × market) cell. Reflects how much we trust the data we have for that provider in that market, factoring in: brand recognition, doc quality, public information availability, market presence, and how active the provider is. Smaller / niche / lesser-known players carry lower confidence — their data is more sparsely sourced and harder to verify. This single confidence value applies to ALL metrics for the cell (replaces the old per-metric source_confidence approach).",
    "scale": "0–100. Above 80 = well-documented top-tier. 60–80 = mainstream coverage. 40–60 = some uncertainty / smaller player. Below 40 = niche, sparse data, marginal presence.",
    "scored_by": "Claude (qualitative judgement, May 2026)",
    "last_updated": "2026-05-07"
  },
  "Mastercard OB": {
    "Australia": { "pct": 60, "reasoning": "Mastercard brand is global; Aiia (the EU OB subsidiary) doesn't directly serve AU CDR. Strong Postman collection for the EU API gives some carryover signal." },
    "Poland":    { "pct": 55, "reasoning": "Aiia listed as 'international challenger, low share' in PL — known company but not deeply documented in this market." },
    "Spain":     { "pct": 55, "reasoning": "Same pattern as PL — cross-border player, mostly serving international clients." }
  },
  "Tink (Visa)": {
    "Australia": { "pct": 50, "reasoning": "Not present in AU; we're confident in the absence but have no AU-specific data to evaluate." },
    "Poland":    { "pct": 70, "reasoning": "Well-known Visa-acquired aggregator; renewing focus on PL with public product portfolio." },
    "Spain":     { "pct": 80, "reasoning": "Post-Eurobits acquisition Tink is the dominant ES player with named clients (BBVA, Santander, Sabadell, Fintonic) — well-documented." }
  },
  "Yapily": {
    "Australia": { "pct": 50, "reasoning": "Not present; high confidence in absence, no AU data." },
    "Poland":    { "pct": 60, "reasoning": "Re-entering market; some self-published info but limited PL-specific track record." },
    "Spain":     { "pct": 75, "reasoning": "Well-established with named ES clients (Adyen, Google, Embat); their explicit '93% coverage / 59 institutions' claim makes ES data unusually concrete." }
  },
  "Salt Edge": {
    "Australia": { "pct": 40, "reasoning": "Not in AU CDR ecosystem; smaller provider profile." },
    "Poland":    { "pct": 50, "reasoning": "Non-domestic provider with low PL share; product info exists but less PL-specific detail." },
    "Spain":     { "pct": 60, "reasoning": "Middle-ranking ES presence; broader 5,000-bank claim is well-known but ES-specific share is fuzzy." }
  },
  "Kontomatik": {
    "Australia": { "pct": 30, "reasoning": "PL-domestic player with no AU presence; low signal here." },
    "Poland":    { "pct": 90, "reasoning": "Undisputed PL market leader. Public client list (PKO BP, ING, Millennium, Citi, mBank, Revolut, Allegro Pay) and explicit product catalogue. Highest-confidence cell in the dataset." },
    "Spain":     { "pct": 55, "reasoning": "19-bank ES presence per their developer portal; less documented than PL operations." }
  },
  "Token.io": {
    "Australia": { "pct": 40, "reasoning": "Not present in AU; no AU-specific signal." },
    "Poland":    { "pct": 60, "reasoning": "Entering with Dateio (Revolut's PL provider). Token's product line is well documented but PL-specific maturity is recent." },
    "Spain":     { "pct": 60, "reasoning": "Established with Dateio in core European market; less prominent than Tink in ES." }
  },
  "TrueLayer": {
    "Australia": { "pct": 40, "reasoning": "Not in AU; UK/EU-focused player." },
    "Poland":    { "pct": 50, "reasoning": "Not active in PL per Ignite report; strong UK/EU brand carries some baseline trust." },
    "Spain":     { "pct": 50, "reasoning": "In ES market but Ignite flagged 'not relevant for Cleo MVP'; presence exists but minor." }
  },
  "Unnax": {
    "Australia": { "pct": 25, "reasoning": "Not present; small Spanish-domestic player with little overseas profile." },
    "Poland":    { "pct": 30, "reasoning": "Not in PL; low signal." },
    "Spain":     { "pct": 50, "reasoning": "Spanish local player with named clients (Cofidis, ID Finance) — some public info, payments-focused stack." }
  },
  "Frollo": {
    "Australia": { "pct": 80, "reasoning": "AU domestic CDR leader — strong public profile, named developer portal, high signal in core market." },
    "Poland":    { "pct": 30, "reasoning": "Not present; AU-only player, low signal here." },
    "Spain":     { "pct": 30, "reasoning": "Not present; AU-only, low signal." }
  },
  "Basiq": {
    "Australia": { "pct": 80, "reasoning": "Known AU fintech-challenger brand (acquired by Cuscal); good API docs and CDR-accredited connectivity." },
    "Poland":    { "pct": 30, "reasoning": "Not present; AU-only." },
    "Spain":     { "pct": 30, "reasoning": "Not present; AU-only." }
  },
  "Plaid": {
    "Australia": { "pct": 65, "reasoning": "Confident Plaid is NOT in AU (no CDR accreditation); medium overall trust factoring brand recognition + verified absence." },
    "Poland":    { "pct": 70, "reasoning": "Plaid PSD2 EU stack confirmed by user's own bank-connection experience; well-known global brand but PL-specific coverage less optimised than Kontomatik." },
    "Spain":     { "pct": 70, "reasoning": "Plaid PSD2 EU stack covers ES; well-known brand, overshadowed by Tink locally." }
  }
}