No I understand that they are separate. What I am saying is Spenda have marketed themselves as a Payments company taking a clip of the ticket as well as SaaS. If you have businesses which are now %80 digital payments, using a CBDC and XRP as the new payments rails how does Spenda take a clip of that? That's what the Government and XRP are using as their selling point, reducing cross border trade fees and times.
That then leaves Spenda's invoice reconcile feature and loan features, essentially a SaaS company with loan features. I am not saying that it limits the SaaS and loan features I am saying that it could limit their clipping the ticket of the payment side of the business.
Ripple/XRP have also been piloting with governments with CBDC's so if the transition from CBDC to Ripple is on the same ledger it would be seamless and cheap as well.
Ripple also have private ledgers, that I am sure companies would be able to use for internal accounts.
SPX Price at posting:
2.4¢ Sentiment: Hold Disclosure: Held
A personalised tool to help users track selected stocks. Delivering real-time notifications on price updates, announcements, and performance stats on each to help make informed investment decisions.
(20min delay)