10 - 15 Cent Club :-), page-19

Xinja just raised 433million, trust me, they aren't valued at 150m. There isn't a cost base for interchange, it's a partnership with Mastercard where you share revenue with Mastercard on interchange fees, you can read up on it at the Mastercard website. Unlike banks with RADI's, Douugh won't need to give out interest for each customer, ie, there's no limiter or traditional costs associated with growing as a bank. They don't have the same capital requirements either.

The only major inhibitor initially mentioned by Douugh was the CAC (Cost of Acquiring Customers). They are going with a refer a friend model which generally is quite effective in quick growth as you turn your customers into your own sales people. This does raise the CAC a bit but is generally seen as a better way to spend money than advertising in terms of effectiveness.