{
  "_meta": {
    "description": "Per-(provider × market) bank-share coverage. The percentage of the local retail-banking market share captured by the banks each provider integrates with. A provider connected only to a 5%-share fringe bank scores low; one with all top-5 banks scores high.",
    "scoring": "score = 1 + 4 × (coverage_pct / 100). 100% → 5; 0% → 1.",
    "sources": "Provider self-claims (Yapily 93% in ES), Ignite Strategic Market Access Reports (Apr 2026), public bank-share statistics. Each cell is marked with a confidence label — most are estimates pending Sales / BD validation.",
    "last_updated": "2026-05-07"
  },
  "Mastercard OB": {
    "Australia": {
      "coverage_pct": 95,
      "confidence": "medium",
      "source": "Ignite AU report: 'Big Four (CBA, Westpac, ANZ, NAB) integrated; ~95-100% coverage'."
    },
    "Poland": {
      "coverage_pct": 35,
      "confidence": "low",
      "source": "Ignite PL: 'Aiia not recognised as core market; servicing global clients'. Estimated covers some major PL banks but not deep."
    },
    "Spain": {
      "coverage_pct": 40,
      "confidence": "low",
      "source": "Ignite ES: 'Cross-border player. Mainly international clients (Bunq, Algan)'. Estimated."
    }
  },
  "Tink (Visa)": {
    "Poland": {
      "coverage_pct": 65,
      "confidence": "low",
      "source": "Ignite PL: 'International challenger, renewing focus on Polish market'. Estimated 65% based on Tink's general PSD2 reach."
    },
    "Spain": {
      "coverage_pct": 95,
      "confidence": "medium",
      "source": "Ignite ES: 'Eurobits acquisition gives largest visible share. Well-established local player'. Clients include BBVA, Santander, Sabadell, BNP Paribas — covers all top banks."
    }
  },
  "Yapily": {
    "Poland": {
      "coverage_pct": 50,
      "confidence": "low",
      "source": "Ignite PL: 'Re-entering market, low share'. Pan-EU PSD2 stack — covers majors but not optimised for PL."
    },
    "Spain": {
      "coverage_pct": 93,
      "confidence": "high",
      "source": "Yapily product portfolio: '59 institutions connected, ~93% coverage' (their explicit claim)."
    }
  },
  "Salt Edge": {
    "Poland": {
      "coverage_pct": 40,
      "confidence": "low",
      "source": "Ignite PL: 'Non-domestic provider, low share'. Salt Edge claims 5,000+ banks worldwide but PL-specific share unspecified."
    },
    "Spain": {
      "coverage_pct": 70,
      "confidence": "low",
      "source": "Ignite ES: 'Middle-ranking CBP, comparable connections with others, no notable exceptions'. Estimated."
    }
  },
  "Kontomatik": {
    "Poland": {
      "coverage_pct": 95,
      "confidence": "high",
      "source": "Ignite PL + Kontomatik website: 'Domestic market leader, integrated with PKO BP, ING, Millennium, Citi, mBank, Nest Bank, Bank Pocztowy + Revolut + 100+ fintechs'. Covers all top 6 PL banks (~70% market share) plus many more."
    },
    "Spain": {
      "coverage_pct": 50,
      "confidence": "medium",
      "source": "Kontomatik developer portal: '19 banks connected'. Whether those 19 cover the major banks (Santander, BBVA, CaixaBank, Sabadell, Bankinter) is unclear from sources."
    }
  },
  "Token.io": {
    "Poland": {
      "coverage_pct": 70,
      "confidence": "medium",
      "source": "Ignite PL: 'European leader entering market with Dateio, who services 126M EU users; Dateio is Revolut's PL provider'. Covers most major PL banks via Dateio."
    },
    "Spain": {
      "coverage_pct": 70,
      "confidence": "medium",
      "source": "Ignite ES: 'Core European market, well-established with Dateio'. Same Dateio partnership covers Spanish majors."
    }
  },
  "TrueLayer": {
    "Spain": {
      "coverage_pct": 50,
      "confidence": "low",
      "source": "Ignite ES: 'In market but offer not relevant for Cleo MVP'. UK/EU player; ES-specific bank coverage not detailed."
    }
  },
  "Unnax": {
    "Spain": {
      "coverage_pct": 60,
      "confidence": "low",
      "source": "Ignite ES: 'Local player with presence outside Spain. Mainly focused on payments. Local clients: Cofidis, ID Finance'. Covers Spanish banks but payments-focused stack."
    }
  },
  "Frollo": {
    "Australia": {
      "coverage_pct": 95,
      "confidence": "medium",
      "source": "Ignite AU: 'Domestic CDR leader'. CDR-accredited providers connect to all major AU banks (CBA, ANZ, NAB, Westpac, Macquarie). Estimated 95% coverage."
    }
  },
  "Basiq": {
    "Australia": {
      "coverage_pct": 95,
      "confidence": "medium",
      "source": "Ignite AU: 'Fintech challenger, High share'. Basiq/Cuscal CDR-accredited; covers all major AU banks. Estimated 95%."
    }
  },
  "Plaid": {
    "Poland": {
      "coverage_pct": 55,
      "confidence": "low",
      "source": "Plaid PSD2 EU stack covers Polish banks but not as optimised as Kontomatik. User confirmed: connecting Polish banks via Plaid is possible. Estimated 55%."
    },
    "Spain": {
      "coverage_pct": 55,
      "confidence": "low",
      "source": "Plaid PSD2 EU stack covers Spanish banks. Overshadowed by Tink. Estimated 55%."
    }
  }
}