Douugh 50 Cents Club, page-27

Some fair points. I would say regarding the director, if there are any issues there that will be dealt with in due course.

I know I bring this up a lot (and I do because it's important), but the Douugh team has a LOT of experience. If you research their team members on LinkedIn you'll see many recognisable companies they've worked for, often in lead and senior positions. Companies include: Samsung, LucasArts, Domain Real Estate, Team Bondi (LA Noire video game), Westpac, ASX, New York Mets (Major League Baseball team), Hewlett Packard, HSBC, Rotor Studios etc...

I guess a CR could be a possibility, though time will tell.

In relation to:
"DOU just simply does not have massive regulatory, banking or capital requirements - they are essentially a product that sits on top of an existing bank's offerings. They just have to closely follow the bunch of agreements they've made and do their their software development."

You're probably right there - though that's essentially a good thing for Douugh. Having said that, I believe in the US at the moment they're in the process of applying for the ability (some kind of financial license or similar) to allow AI to manage the customer's finances and also in relation to it managing EFT investments (I think, feel free to correct me if I'm wrong). Once they get through those they should be good to go!