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Well inside the Bondi accretion radius, pressure is negligible and the inflow approaches the free-fall speedSteady spherical mass conservation givesEstimating the outward optical depth across a radial scale $r$ with electron-scattering opacity $\kappa ={\sigma }_T/m_p$,The integral optical depth to infinity differs only by a factor of two in this free-fall approximation.

At the Schwarzschild radius, $\tau =1$ whenIf the conventional Eddington accretion rate is ${\dot{M}}_{\mathrm{Edd}}=L_{\mathrm{Edd}}/({\eta }_0{c}^2)$, then ${\dot{M}}_{\mathrm{crit}}=2{\eta }_0{\dot{M}}_{\mathrm{Edd}}$. This comparison depends on the reference efficiency ${\eta }_0$, while ${\dot{M}}_{\mathrm{crit}}$ itself follows directly from optical depth.

Writing $\dot{m}=\dot{M}/{\dot{M}}_{\mathrm{crit}}$ givesFor $\dot{m}>1$, the inner flow is optically thick and its photosphere lies at

The diffusion speed is $v_{\mathrm{diff}}\sim c/\tau$. Henceand equality defines the photon-trapping radiusInside $r_t$, inward advection outruns outward diffusion, so photon trapping in an accretion flow carries most released radiation into the black hole.

Only the binding energy released outside $r_t$ escapes efficiently. Its order of magnitude isThe radiative efficiency of black-hole accretion therefore decreases inversely with supply rate:Order-one coefficients depend on the optical-depth and inner-boundary conventions, but the luminosity saturation and $eta\propto {\dot{M}}^{-1}$ are robust.