Splitit customers choose how long they would like to pay off.... 3 months if they want it longer, and you are correct, average SPT purchase is 10 times APT right now, so they only need 10% of the customers for the same throughput. You do realize that each time a payment is made to SPT, they get a fee... and they release funds as you pay it off, meaning you can have several SPT purchases going at once....
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