Where was it stated that Douugh had 3 employees ?
It might be useful if you thought about the numbers a bit more before going off tilt and all-in on your clearly negative view of Douugh.
The examples you have stated are for completely different business models. Companies that require a banking license and a hell of a lot more compliance overheads. Also they are in much more advanced stages in their funding rounds than Douugh.
Put simply, if you have some experience in this area you would realise that 10 mill is a lot of working capital, more than enough to launch a financial wellness platform in multiple regions. Yes they have to execute and execute in a timely fashion, but they have the runway.
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