| Category | Function | Share | Rank | Negative rate | Labels | Quadrant | Since September 2026 |
|---|---|---|---|---|---|---|---|
| Business banking | Treasury and cash | 0% | 86 of 86 | 100% | 2 | under 10 labels · led by Mercury at 23% | =heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. |
| Embedded payments platforms | Receivables and billing | 0% | 110 of 110 | 100% | 2 | under 10 labels · led by Stripe Connect at 53% |
| Category | September 2026 | Now | Change | Reading | Rank |
|---|---|---|---|---|---|
| Business banking | 0% | 0% | =heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 72 → 86 of 86 |
| Embedded payments | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 110 of 110, unchanged |
Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.
The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions
| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 2 | 2 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.1 Fast | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 1 | 1 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 1 | 1 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |
Verbatim evidence the judge attached to positive labels.
Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.
“In the Synapse bankruptcy, the CFPB said deficient records contributed to customers losing access to funds, and partner banks found a $60–$90 million shortfall.” GPT-6 Luna · Business banking · negative prompt · hard negative
“The [collapse of Synapse Financial Technologies] is the cautionary tale here—a BaaS provider whose failure left platforms and end-users unable to access funds.” Kimi K2 · Embedded payments · negative prompt · hard negative
“When the BaaS middleman Synapse Financial Technologies declared bankruptcy, it revealed a massive discrepancy” Gemini 3.5 Flash · Business banking · negative prompt · hard negative
“defunct or in bankruptcy proceedings and must be avoided” Gemini 3.5 Flash · Embedded payments · negative prompt · hard negative
Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 10 of the 10 answers that named Synapse Financial Technologies and are not a share of its labels.
No domain is on file for Synapse Financial Technologies, so its own site is not marked.
Pages are listed as the models cited them.
An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.
Already following? Everything you follow, with a stop for each.
Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Synapse Financial Technologies's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Synapse Financial Technologies, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.
A new claim receives the current edition's vendor brief for Synapse Financial Technologies by email, built from the raw record of the edition. It shows: