Market cap, page-32

People would have said same thing about Netflix. How can one make money at $10/month to offer all those shows ? Share price for Netfilx has gone sub 10 cents to over $500. That is the growth potential here. Yes along the way they innovated a lot and that is what you expect from an agile tech startup. If you view this company as just another neobank there is not much to it. They do realise that and that is why staying away from core banking license side of things. Their growth will come from backend partnership while they offer their product to the world. Low barrier to entry and the one that capturs the market first will win. DOU is on the right track but they will need to innovate fast and capture market as soon as possible.

Don't throw you life savings at this but it is as good a punt as buying Netflix back when it was sub 10 cents. No one has crystal ball so no one know where this will go.

P.S. This is not a financial advise. Just my opinion. Trade your own path.