“quite literally probably 99% of these aggregators across the world don't have an option for an individual to use them they just require Enterprise contracts on the hosted version of maybe that we'll offer for pay it'll include those data aggregators where you're not having to sort of manually import csvs”

Open-core works when the paid layer is something the free version structurally cannot replicate

Maybe's paid tier bundles bank aggregators that require enterprise contracts 99% of self-hosters could never get. The free version isn't crippled — it's just structurally inconvenient because of vendor access the OSS repo legally cannot include. When designing open-core pricing, make the differentiator about capability access, not polish, to avoid the 'why pay when I can self-host' trap.