Ann: Business Operations Update, page-105

@ValueTrader82 best I answer you on this stock page so not to pee off the other stock, but i'm still reviewing here, the no credit risk is interesting yes, means no borrowings, no bad debts, piggybacking on the back of Visa/MC and the banks already approved credit limit to the customer. On face value I couldn't get my head around it but i'm coming around, there are some decent board members with clear history in the transactions space. 

Im still researching