For starters it's 8 weeks and 6 during COVID-19.
Think about it this way, loan a customer $100 (pay a merchant $95) at x interest rate per annum, receive $100 over 8 weeks, rinse and repeat 100m times. (10m customers spending 4-20 times per year.) Theres $500m dollars then minus all the running costs. Plenty left over once markets are mature and customer base is relatively safe and responsible.
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