Zip has always been a house of cards.
as you wrote yesterday, APT has $1b in the bank, additionallly, is already #1 in USA and expanding globally.
There is a reason Zip, PayPal and the rest are abandoning their business models and copying this.
ZIP is trying to be Hum - just a credit card company and a smaller APT in USA. . I wish them luck with that.
In 3 years, SPT will still have 5 merchants and 12 customers, zip will have 5% bad debts and the rest will probably merge in a desperate attempt to survive.
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