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 $t_b$ until reaching its final size $h=2M$, demonstrating how trapped surfaces form dynamically in finite time, and (ii) a {naked-}singularity resolution, where an integrable Ricci curvature singularity ($R_{\nu }^{\mu }\sim r^{-2}$) develops at $r=0$, 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 ($H(t)\sim {\mathrm{\ell }}_{\mathrm{P}\mathrm{l}\mathrm{a}\mathrm{n}\mathrm{c}\mathrm{k}}$).