"Accretion is especially familiar in systems involving black holes and neutron stars. Although these objects can be extremely massive, their physical dimensions are relatively small. Material falling toward a black hole, for example, often forms a swirling disk around it before moving inward.
But ZTF J0440+2325 appears to work differently.
Rather than a black hole or neutron star collecting matter, an ordinary low-mass star is receiving material from a nearby brown dwarf. Because the star has a much larger physical surface than a compact object such as a black hole, the incoming material can strike it directly.
"The difference here is, the thing absorbing matter is not a tiny black hole but a star, which is relatively big in size," Burdge explains. "So matter just pummels directly onto the surface, at very high speeds, like an asteroid hitting the Moon.""
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https://www.sciencedaily.com/releases/2026/10/261008005240.htm