APT vs Z1P H1 COMPARISONS, page-12

You forgot the part where Afterpay made an almost $50m profit excluding an accounting treatment one off that wasn't based on an actual loss for the clearpay put option liability VS zip losing roughly $150m excluding quad pay accounting treatment...

That's a huge difference in financial control and indicates afterpay is growing organically and zip isn't... i think quad pay growth isn't monetized much at all because retailers don't need to be on the platform. so it's not apples with apples at all. they are very different companies but i think they'll both be much bigger in 5 years