{
  "Mastercard OB": {
    "display_name": "Mastercard Open Banking (Aiia)",
    "headquarters": "Global / acquired Aiia (DK)",
    "api_docs_url": "https://developer.mastercard.com/open-banking-europe/documentation/",
    "markets": {
      "Australia": {
        "present": true,
        "market_position": "Enterprise Leader",
        "market_share_label": "High",
        "reliability_label": "Strong",
        "regulatory_perception": "High Trust",
        "data_completeness": 4.5,
        "reliability_score": 4.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Big Four banks (CBA, Westpac, ANZ, NAB) integrated. Coverage ~95-100%. Premium global incumbent.",
        "key_clients": []
      },
      "Poland": {
        "present": true,
        "market_position": "International challenger",
        "market_share_label": "Low",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.0,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Aiia not recognised as core market. In-country service limited to predominately servicing global clients only.",
        "key_clients": []
      },
      "Spain": {
        "present": true,
        "market_position": "Cross-border player",
        "market_share_label": "Low",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.0,
        "reliability_score": 3.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Mainly international clients (Bunq, Algan). Stronger in UK, Central EU, Nordics, Baltics. Not core ES market.",
        "key_clients": [
          "Bunq",
          "Algan"
        ]
      }
    }
  },
  "Tink (Visa)": {
    "display_name": "Tink (Visa)",
    "headquarters": "Stockholm, Sweden",
    "api_docs_url": "https://docs.tink.com/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "Not listed as an active aggregator in the AU CDR ecosystem report."
      },
      "Poland": {
        "present": true,
        "market_position": "International challenger",
        "market_share_label": "Low",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.5,
        "reliability_score": 4.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Renewing focus on Polish market. Rich analytical: connectivity, income check, expenses check, categorization, data enrichment.",
        "key_clients": []
      },
      "Spain": {
        "present": true,
        "market_position": "Market leader (CBP)",
        "market_share_label": "Largest visible share",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 4.8,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Eurobits acquisition gives largest visible share. Well-established local player. Lending & PFM use cases proven.",
        "key_clients": [
          "BBVA",
          "Santander",
          "Sabadell",
          "Fintonic",
          "PayPal",
          "BNP Paribas",
          "Pepper Spain",
          "Equifax",
          "Revolut",
          "Novum Bank",
          "YouLend"
        ]
      }
    }
  },
  "Yapily": {
    "display_name": "Yapily",
    "headquarters": "London, UK",
    "api_docs_url": "https://docs.yapily.com/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "Not listed as an active CDR-accredited aggregator in the AU report."
      },
      "Poland": {
        "present": true,
        "market_position": "European leader (re-entering)",
        "market_share_label": "Low (re-entering)",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.5,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Trust platform built for fintechs with high-profile clients. Re-entering PL market \u2014 sees opportunity post-CCD2.",
        "key_clients": []
      },
      "Spain": {
        "present": true,
        "market_position": "European leader in infrastructure (CBP)",
        "market_share_label": "Established (59 institutions, ~93% coverage)",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 4.5,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Major incumbents and neobanks connected. Adyen and Google use AIS product in Spain.",
        "key_clients": [
          "Adyen",
          "Google",
          "Embat",
          "Inbestme",
          "SPRK"
        ]
      }
    }
  },
  "Salt Edge": {
    "display_name": "Salt Edge",
    "headquarters": "Toronto, Canada / Chi\u0219in\u0103u, Moldova",
    "api_docs_url": "https://docs.saltedge.com/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "Not listed as an active CDR aggregator in the AU report."
      },
      "Poland": {
        "present": true,
        "market_position": "Non-domestic provider",
        "market_share_label": "Low",
        "reliability_label": "Standard",
        "regulatory_perception": "Trusted",
        "data_completeness": 2.5,
        "reliability_score": 3.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Non-domestic, low share. 'Standard' reliability label vs leaders' 'Strong'.",
        "key_clients": []
      },
      "Spain": {
        "present": true,
        "market_position": "Cross-border player (middle-ranking)",
        "market_share_label": "Comparable connections; no notable exceptions",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.5,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Middle-ranking CBP. Connection breadth comparable to peers, no standout differentiation.",
        "key_clients": []
      }
    }
  },
  "Kontomatik": {
    "display_name": "Kontomatik",
    "headquarters": "Warsaw, Poland",
    "api_docs_url": "https://docs.kontomatik.com/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "Polish-domestic player, not present in Australia."
      },
      "Poland": {
        "present": true,
        "market_position": "Domestic leader",
        "market_share_label": "Market Leader (AIS)",
        "reliability_label": "Strong",
        "regulatory_perception": "High Trust",
        "data_completeness": 4.8,
        "reliability_score": 5.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "high",
        "notes": "Undeniable PL market leader. 100+ clients. Rich products: labelling, vendor recognition, risk scoring, income confirmation, data summary. Weakness: no PIS license.",
        "key_clients": [
          "PKO BP",
          "ING",
          "Millennium",
          "Citi",
          "mBank",
          "Nest Bank",
          "Bank Pocztowy",
          "Raiffeisen Digital",
          "Revolut",
          "Smartney",
          "Allegro Pay",
          "Wealthon",
          "Vivigo",
          "AvaFin",
          "Sun Finance",
          "Aventus Group"
        ]
      },
      "Spain": {
        "present": true,
        "market_position": "Cross-border player (middle-ranking)",
        "market_share_label": "19 banks connected (per Developer Portal)",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.0,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Middle-ranking. Online lending focus (consumer). 'Meaningful share' per provider's own reporting.",
        "key_clients": [
          "Sun Finance",
          "Avafin",
          "Arena Finance"
        ]
      }
    }
  },
  "Token.io": {
    "display_name": "Token.io",
    "headquarters": "London, UK",
    "api_docs_url": "https://developer.token.io/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "European-focused; no Australian presence."
      },
      "Poland": {
        "present": true,
        "market_position": "European leader (entering with Dateio)",
        "market_share_label": "Low (entering)",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 4.0,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Token + Dateio partnership: 'two worlds' \u2014 TPP + data enrichment. Dateio services 126M users in EU; is Revolut's provider in PL.",
        "key_clients": [
          "Revolut (via Dateio)"
        ]
      },
      "Spain": {
        "present": true,
        "market_position": "Core European market (CBP)",
        "market_share_label": "Established with Dateio",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 4.0,
        "reliability_score": 4.0,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Well established and connected in market with Dateio. Rich enough for categorisation use cases.",
        "key_clients": []
      }
    }
  },
  "TrueLayer": {
    "display_name": "TrueLayer",
    "headquarters": "London, UK",
    "api_docs_url": "https://docs.truelayer.com/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "UK/EU-focused; no Australian presence."
      },
      "Poland": {
        "present": false,
        "notes": "Not listed as an active aggregator in the PL Ignite report."
      },
      "Spain": {
        "present": true,
        "market_position": "In market (limited Cleo relevance)",
        "market_share_label": "Active but small for our use case",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.0,
        "reliability_score": 3.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "low",
        "notes": "Ignite ES report flags TrueLayer (and Nordigen/GoCardless) as 'in market but offer not relevant for Cleo MVP'.",
        "key_clients": []
      }
    }
  },
  "Unnax": {
    "display_name": "Unnax",
    "headquarters": "Barcelona, Spain",
    "api_docs_url": "https://www.unnax.com/developers/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "Spanish-domestic player; no Australian presence."
      },
      "Poland": {
        "present": false,
        "notes": "Spanish-domestic; no PL presence per Ignite report."
      },
      "Spain": {
        "present": true,
        "market_position": "Local player (payments-focused)",
        "market_share_label": "Local with some international presence",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.0,
        "reliability_score": 3.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "low",
        "notes": "Recognized local player. Mainly focused on payments. Local clients include Cofidis, ID Finance.",
        "key_clients": [
          "Cofidis",
          "ID Finance"
        ]
      }
    }
  },
  "Frollo": {
    "display_name": "Frollo",
    "headquarters": "Sydney, Australia",
    "api_docs_url": "https://developer.frollo.us/",
    "markets": {
      "Australia": {
        "present": true,
        "market_position": "Domestic CDR leader",
        "market_share_label": "High",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 4.3,
        "reliability_score": 4.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Australia's domestic CDR leader. Strong fintech adoption. PFM-oriented stack, good fit for Cleo's use case.",
        "key_clients": []
      },
      "Poland": {
        "present": false,
        "notes": "AU-domestic; no PL presence."
      },
      "Spain": {
        "present": false,
        "notes": "AU-domestic; no ES presence."
      }
    }
  },
  "Basiq": {
    "display_name": "Basiq / Cuscal",
    "headquarters": "Sydney, Australia",
    "api_docs_url": "https://api.basiq.io/docs",
    "markets": {
      "Australia": {
        "present": true,
        "market_position": "Fintech challenger",
        "market_share_label": "High",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 4.0,
        "reliability_score": 4.3,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "medium",
        "notes": "Major AU fintech open-banking aggregator (acquired by Cuscal). Strong CDR-accredited connectivity to AU banks.",
        "key_clients": []
      },
      "Poland": {
        "present": false,
        "notes": "AU-domestic; no PL presence."
      },
      "Spain": {
        "present": false,
        "notes": "AU-domestic; no ES presence."
      }
    }
  },
  "Plaid": {
    "display_name": "Plaid",
    "headquarters": "San Francisco, USA",
    "api_docs_url": "https://plaid.com/docs/",
    "markets": {
      "Australia": {
        "present": false,
        "notes": "Plaid is not a CDR-accredited aggregator in Australia. AU CDR ecosystem is dominated by Mastercard, Frollo, Basiq."
      },
      "Poland": {
        "present": true,
        "market_position": "Cross-border challenger (PSD2 EU)",
        "market_share_label": "Low (international, overshadowed by Kontomatik)",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.5,
        "reliability_score": 4.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "low",
        "notes": "Plaid offers Polish bank connectivity via its PSD2 EU stack. Not profiled in the Ignite PL report \u2014 likely because the report focused on local-recommended players (Kontomatik, Token, Yapily). Real coverage exists but breadth/depth in PL specifically isn't documented in our sources.",
        "key_clients": []
      },
      "Spain": {
        "present": true,
        "market_position": "Cross-border challenger (PSD2 EU)",
        "market_share_label": "Low (international, overshadowed by Tink)",
        "reliability_label": "Strong",
        "regulatory_perception": "Trusted",
        "data_completeness": 3.5,
        "reliability_score": 4.5,
        "integration_cost_score": null,
        "integration_cost_note": "TBD",
        "contract_cost_tier": "$$$",
        "contract_cost_confidence": "low",
        "contract_cost_override": null,
        "source_confidence": "low",
        "notes": "Plaid offers Spanish bank connectivity via its PSD2 EU stack. Not profiled in the Ignite ES report \u2014 likely because the report focused on local-recommended players (Tink with Eurobits, Yapily, Token). Real coverage exists but breadth in ES specifically isn't documented in our sources.",
        "key_clients": []
      }
    }
  }
}