An analytic model for a total process of gravitational collapse: from star to Schwarzschild black hole

We present an exact analytical model describing a complete gravitational collapse of matter from horizonless initial conditions to black hole formation, tracing the full evolution of the horizon H ( t ) from its formation at microscopic scales to macroscopic stabilization. The solution reveals two main stages: (i) a dynamical horizon growth, where an apparent horizon H ( t ) emerges at a critical time tb t b until reaching its final size h=2M h = 2 M , demonstrating how trapped surfaces form dynamically in finite time, and (ii) a naked-singularity resolution, where an integrable Ricci curvature singularity ( R^μ _ν ~ r⁻² R μ ν ∼ r - 2 ) develops at $$r=0$$ r = 0 , but remains causally hidden by the horizon growth, preserving weak cosmic censorship without exotic matter. The model could offer a framework to study the quantum-to-classical transition ( H(t) ~ Planck H ( t ) ∼ ℓ Planck ).