The behavioural intelligence layer · Live · 10 partner footprints

BNII — the behavioural intelligence layer.

BNII operates as the intelligence layer above the application rails. It produces cross-market indices, propensity and lifetime-value scores, and authored regional briefs — under code-enforced k≥50 anonymisation, partner-as-controller, and national data residency.

Arrange a briefing → Read the methodology →

STATUS · Live
FOOTPRINT · 10 partner instances · 17 markets indexed
ANONYMISATION · k = 50 · code-enforced

i · What it is

The behavioural-intelligence layer.

Live
10 partner footprints
17 markets indexed

BNII produces three classes of intelligence output from the substrate the partner network already generates: cross-market indices, propensity & LTV scores, and authored regional briefs. Code-enforced k=50. Partner-as-controller. Methodology versioned and citable.

BNII Layer L05
Code-enforced k = 50
Partner-as-controller
National residency
Versioned methodology
Regulator-readable

ii · How it works

Three output classes. One governance posture.

Three classes
k = 50 enforced
Per-partner DPA

i.01

Cross-market indices.

Anonymised cohorts (k≥50) compared across markets. Licensed to consultants, brand strategy teams, and macro researchers. Outputs cite versioned methodology that is reviewable by partners and regulators.

Aggregate-licensed

ii.02

Propensity & LTV scores.

Per-partner monetisation models supporting partner take-rate, retention, and engagement at the partner-application layer. Scores remain partner-private; aggregate indices are licensed externally.

Partner-private

iii.03

Authored regional briefs.

Market intelligence briefs subscribed by brands, investors, and policy buyers. Each brief is footnoted to source data, cohort definition, and the BNII methodology version. Surfaced to partners through Atlas.

Versioned · methodology-citable

iii · Why it exists

Three numbers that define the floor.

Compliance-by-construction
k = 50 floor
Code-enforced

Anonymisation floor

k = 50

Enforced at the query layer, not by policy

Markets indexed

17.

Cross-market cohorts unreproducible by single-market entrants

Monthly transacting users

384M

Live substrate · 10 production-partner footprints

Replication requires not the model — the model is in the literature — but the substrate. A challenger building cross-market scores from scratch faces 17 jurisdictions, 17 DPAs, and a multi-year deployment to substantiate against the cohort base BNII already operates on.