OptimaYieldPlans

Transparent access

Public facts stay free. Paid value starts with recurring work.

Founding professional access is planned through August 31, 2027. There is no automatic charge, countdown pricing, or credit-card requirement. We will publish final commercial terms before access changes.

Commercial independence

Plan selection never changes a bank's ranking, metric formula, severity, evidence eligibility, or editorial conclusion.

Always free

Public research

Open bank facts, history, definitions, evidence, and browser-local watchlists.

  • Public bank factsCurrent condition, regulatory facts, and source lineage
  • Core historyTen-year trends and compatible peer context
  • Definitions and methodologyMetric formulas, limitations, and evidence rules
  • Local watchlistsBrowser-local saved banks without an account
  • Custom peer workflowsReusable cohorts and governed comparisons
  • Larger governed exportsExpanded row limits with manifests and citations
  • Scheduled reportsReviewed change-only reports and delivery history
  • Team workspacePrivate collaboration, assignments, and audit controls
  • Advanced API quotaScoped keys, usage controls, and commercial support
  • Commercial redistributionContracted rights and attribution terms

Founding access

Professional

Recurring analyst workflows for individual professionals and design partners.

  • Public bank factsCurrent condition, regulatory facts, and source lineage
  • Core historyTen-year trends and compatible peer context
  • Definitions and methodologyMetric formulas, limitations, and evidence rules
  • Local watchlistsBrowser-local saved banks without an account
  • Custom peer workflowsReusable cohorts and governed comparisons
  • Larger governed exportsExpanded row limits with manifests and citations
  • Scheduled reportsReviewed change-only reports and delivery history
  • Team workspacePrivate collaboration, assignments, and audit controls
  • Advanced API quotaScoped keys, usage controls, and commercial support
  • Commercial redistributionContracted rights and attribution terms

Contracted

Enterprise

Private teams, administration, redistribution rights, and governed integrations.

  • Public bank factsCurrent condition, regulatory facts, and source lineage
  • Core historyTen-year trends and compatible peer context
  • Definitions and methodologyMetric formulas, limitations, and evidence rules
  • Local watchlistsBrowser-local saved banks without an account
  • Custom peer workflowsReusable cohorts and governed comparisons
  • Larger governed exportsExpanded row limits with manifests and citations
  • Scheduled reportsReviewed change-only reports and delivery history
  • Team workspacePrivate collaboration, assignments, and audit controls
  • Advanced API quotaScoped keys, usage controls, and commercial support
  • Commercial redistributionContracted rights and attribution terms

Founding-year terms

Professional capabilities may be made available to invited design partners during the founding period. Availability is not a promise of permanent free service, and no account will be converted into a paid plan without affirmative agreement.

Large exports, scheduled delivery, private collaboration, advanced API access, and redistribution stay disabled until the required identity, storage, delivery, licensing, and isolation controls are configured.