Moat = Retailer + Customer numbers, marketing referral system, software to be app / cloud based in multiple countries using one system, lending in New markets at stable 2% NTM, heaps of cash and a $700b gorilla backing them up as needed, getting bigger by 20,000+ customers a day...
It's already the last man Standing in fully monetized networks.
Price is cheap for 100%+ growth in all key metrics and a market potential that's 20 x ++++ that could easily spit out $1b+ revenue in near future, rising to $5b+ ...
$20b cap is tiny for a fully monetized tech company growing revenue faster in % than almost anything on NASDAQ INDEX....
It's basically the PayPal & Credit card killer....
APT Price at posting:
$66.55 Sentiment: Buy Disclosure: Held