{
  "license": "CC-BY-4.0",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "ChainChoice (https://chainchoice.io)",
  "url": "https://chainchoice.io/data/methodology/2026.09.13.json",
  "version": "2026.09.13",
  "status": "archived",
  "publishedAt": "2026-09-14",
  "title": "Fifteen categories re-read from primary sources ahead of their 25 September review date",
  "supersededBy": "2026.09.14",
  "previous": "2026.09.12",
  "changelog": {
    "url": "https://chainchoice.io/methodology/changelog/archive#v-2026.09.13",
    "entry": {
      "version": "2026.09.13",
      "publishedAt": "2026-09-14",
      "title": "Fifteen categories re-read from primary sources ahead of their 25 September review date",
      "summary": "Every row of crypto_payroll, simple_buy, smart_contract_audits, defi_insurance, wallet_screening, oracles, block_explorers, prediction_markets, trading_bots, nft_marketplace, yield_vaults, stablecoin_yield, tokenised_tbills, tokenised_funds and tokenised_realestate (122 rows) was re-read on 2026-09-14: pricing, availability and each published criterion score, from each provider’s own pricing, terms, docs and registers, with an adversarial model run re-fetching every quote. 95 rows were confirmed or corrected in full. 114 criterion scores changed, and pricing and availability text no source supported was removed or replaced with quoted text.",
      "rationale": "The site promises a 45-day re-read. Only verified values were applied; where a source supported two bands the lower was kept. A number or score no primary source could confirm keeps its recorded value and is listed in that row’s structuralFacts.unverified with what was checked; an unsupported sentence was removed. One provider’s operating status (Breach Insurance) could not be confirmed and is recorded, not sunset. The verified evidence is committed per category in research-pending/rereads/2026-09-14-<category>.json.",
      "affectedCategories": [
        "crypto_payroll",
        "simple_buy",
        "smart_contract_audits",
        "defi_insurance",
        "wallet_screening",
        "oracles",
        "block_explorers",
        "prediction_markets",
        "trading_bots",
        "nft_marketplace",
        "yield_vaults",
        "stablecoin_yield",
        "tokenised_tbills",
        "tokenised_funds",
        "tokenised_realestate",
        "money_market_funds"
      ],
      "changes": [
        {
          "type": "fixed",
          "description": "114 criterion scores corrected across the 15 categories, each against a verbatim source; every row’s pricing is dated to the 2026-09-14 read."
        },
        {
          "type": "changed",
          "description": "Published order: four #1s change — simple_buy (Relai → Strike), stablecoin_yield (Ondo USDY → Spiko), smart_contract_audits (Certora → Zellic) and money_market_funds (Fidelity Treasury Digital Fund → Spiko US T-Bills Money Market Fund). Scores move in 16 categories."
        },
        {
          "type": "fixed",
          "description": "Availability read from the providers’ terms: PayPal Crypto is for US residents; Revolut’s simple_buy row is its Cyprus-licensed EEA service; Coinbase USDC rewards are excluded for the EEA, Japan and Vietnam under its exhaustive eligible list; Spiko onboards clients from all countries except a published list (applied to both of its rows, which moves money_market_funds). Countries this site cannot match stay in the quoted notes."
        },
        {
          "type": "added",
          "description": "simple_buy for readers outside the named regions is recorded as a thin market with two eligible providers."
        },
        {
          "type": "changed",
          "description": "Measured consequences recorded in the gates: leaders one re-read from changing rise from 38 to 39 (simple_buy and prediction_markets firmed up; money_market_funds, smart_contract_audits and wallet_screening now lead narrowly); categories where no wizard answer moves the #1 rise from 56 to 58; stablecoin_yield’s availability dimension no longer separates its rows."
        },
        {
          "type": "changed",
          "description": "Corrected 2026-10-14: every published score in crypto_payroll, simple_buy, smart_contract_audits, defi_insurance, wallet_screening, oracles, block_explorers, prediction_markets, trading_bots, nft_marketplace, yield_vaults, stablecoin_yield, tokenised_tbills, tokenised_funds, tokenised_realestate and money_market_funds was recomputed under this version. The rows whose score or rank moved are summarised in the lines above, not each named."
        }
      ],
      "approvedBy": "mathias-siemonsmeier"
    }
  },
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      "src": "git:cd80938ad5a1ed66257a93f26020267289264812",
      "at": "2026-09-14T19:46:57+02:00",
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      "at": "2026-09-14T05:59:10+02:00"
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    "specCommitsAfterIntroduction": 0,
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      "yield_vaults": {
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    },
    "formula": {
      "step1_weightedTotal": "weightedTotal = (SUM over dimensions of (breakdown[d] / baseWeight[d]) * weight[d]) / (SUM of weight[d]) * 86",
      "step2_absoluteScore": "absolute = min(99, max(40, round(weightedTotal <= 20 ? 40 + weightedTotal * ((60 + (20 / 86) * 38 - 40) / 20) : 60 + (weightedTotal / 86) * 38)))",
      "step3_poolRelative": "score = round(min(min(99, max(41, leaderScore - (leaderWeighted - weightedTotal) * 2.6)), scoreOfRowAbove))",
      "tieBreakChain": [
        "weightedTotal, unrounded, higher first. Only rows whose weighted totals are exactly equal reach the keys below.",
        "criteriaAverage, higher first: the row's unrounded weighted average of its published criterion scores (0 to 10) under the weights in use. Applied only when both rows are scored on their category's criteria and the averages differ; otherwise the keys below decide. Since methodology 2026.09.12.",
        "tiebreakDelta, higher first: the sum of three factors. (1) Price: when the category has one comparable pricing basis that may decide rank (priced for at least two of its catalog rows, not an entry-plan figure derived from a price ladder, and quoted in a single currency), a priced row earns 0 to 2 points in proportion to where its price sits between the highest and the lowest in the pool, or 1 point when every published price on that basis is equal; a row with no price on that basis, and every row of a category without such a basis, earns 0. (2) Strength: 1 point when at least three of the row's catalog fitStrength values are 9 or above; those values are its published criterion scores, plus further strength keys on some rows. (3) Dimension: 1 point when the row scores at least 85% of the maximum on the highest-weighted dimension of the weights in use (the first in weights order when two are equal). A row outside the alternate product catalog (every payment_gateway row) carries 0. It orders rows and is never added to a score.",
        "objectiveFit points, higher first.",
        "product name, alphabetical."
      ],
      "tieBreakNote": "The published per-category tieBreakRules are not yet applied by the engine; where two rows share a weighted total, the chain above decides. Since methodology 2026.09.12 its first key is the two rows' unrounded weighted criterion averages, so a tie between rows scored on the published criteria is ordered by those criteria; the generic factors decide only where the averages are equal or a row has no criterion scores. tieBreakDecisions.againstCriteria lists any pair still ordered against the criteria.",
      "note": "boundBy names which limit decided the number when one did: floor, ceiling, row-above, or none. Rows marked floor sit at 41 and the multiplication alone gives a lower figure.",
      "baseWeights": {
        "availability": 20,
        "objectiveFit": 30,
        "frictionFit": 10,
        "trustBonus": 8,
        "quantitative": 18
      },
      "unweightedDimensions": [
        "profileFit"
      ],
      "unweightedNote": "These dimensions are computed and published in every breakdown but carry no weight in the total. profileFit left the composite in methodology 2026.09.2: it was constant inside all 114 categories, so its 20 points moved every product in a pool identically and ordered nothing. Sum the breakdown against baseWeights and the unweighted terms are simply absent from the arithmetic — that is the intended reading, not an omission.",
      "weightVersusInfluence": "A base weight is how much a dimension COULD move a score, not how much it did. Each category publishes dimensionSpread: the range that dimension actually covered across its pool. A spread of 0 means the dimension was constant there and decided nothing, however large its weight.",
      "objectiveBasis": "Each product names where its objectiveFit points came from. \"criteria\": the block is the weighted sum of the published criterion cells, round(min(30, 0.75 × Σ weight × cell/10 × 32)), and a pairwise ledger can itemise it per criterion. \"whole\": the category scores the block from structural facts or capability flags rather than per-criterion cells, so it enters a ledger as one term. \"sunset\": the product no longer operates (sunsetAt gives the date) and the block is zeroed regardless of its cells.",
      "totalBaseWeight": 86,
      "spreadPerWeightedPoint": 2.6,
      "scoreFloor": 41,
      "scoreCeiling": 99,
      "leaderRobustnessNote": "leaderSurvivesOnePointChange: whether this category keeps its #1 when any single criterion score moves by one point on the 0-10 scale — the smallest difference two competent raters can hold. False in 39 of 118 categories. A false does not mean the ranking is wrong; it means the evidence separates the top two by less than the width of a judgement call, and the file says so rather than letting the displayed gap imply otherwise. null means the sweep could not run — too few criteria or too small a pool — and is deliberately not reported as robust."
    },
    "recipe": "sha256 is the SHA-256 of the category spec (the file's \"spec\" field) written as compact JSON: every object's keys sorted, no spaces or line breaks, non-ASCII characters as UTF-8 (not escaped), no trailing newline. That is the serialisation of the rankings digest."
  },
  "rankings": {
    "ledger": "https://chainchoice.io/data/rankings-ledger.jsonl",
    "produced": [
      {
        "seq": 2544,
        "rankingsDigest": "d0c3885fb762a980dbb23540e444e7c8b4b1409459614c50b93495b5f2287c8f",
        "ob": "2026-09-14",
        "src": "git:c34d9a0009f0bc264126bb93842f9cc9d1492207",
        "engine": "2026.09.13"
      }
    ],
    "whenIntroduced": "b494307c80f75a15dd318bebaa1efb03465000593e4d2b76a42b0accc4edbff3",
    "whenSuperseded": "d0c3885fb762a980dbb23540e444e7c8b4b1409459614c50b93495b5f2287c8f",
    "newest": null,
    "note": "produced lists the ledger's digest entries whose rankings.json was generated while this version was the newest changelog entry (seq is the entry's place in the ledger). whenIntroduced and whenSuperseded are the digests of the rankings.json committed with the first and the last commit of this version."
  },
  "gaps": [],
  "notes": []
}