I'll tell you what I reckon is not priced in. And that is the absolute scale and enormity of the potential processing market that Cirralto appears to be carving out for itself.And it has been stated on the forums numerous times that the Cirralto deals with FISERV , VISA , and MASTERCARD are unique. It has also been said that the Cirralto model is more complex than other BNPL and Gross Transactional e-commerce and financial payments models.And that's because it is . It is more unique , and it is more complex. And it is this uniqueness and additional complexity that makes it such an great and attractive opportunity.To illustrate this , I have taken Pie Chart of approximate Revenue distributions as broken down by Mastercard back in 2018 /2019. Essentially their Revenues are derived from 2 means. GDV ( Gross Dollar Value ) fees from it's Financial Institution Customers ( Not account holders ) , and Transaction Processing Fees which are broken down into 2 sub-categories of Connectivity and Transaction Switching. These 2 Categories for the purpose of the Pie Chart % distribution which is around the approximate 35% for their total revenue from Transaction Processing Fees have been broken down into the 3 separate revenue streams derived from Authorisation , Clearing , and Settlements. So while these categories are comprised of the many many millions of nanoscopic transaction fees that Mastercard takes it cut on , tthe sum total of this clip of the ticket if you will still represents more than a THIRD of Mastercards earnings.So what I've done to illustrate the importance of Cirralto's role in the payments industry is to overlay this Pie Chart distribution with another Venn Diagram which illustrates where Cirralto and it's Merchant Acquiring Partner FISERV fit into the MASTERCARD and of Course VISA's Payments Universes .So as you can see by illustrating it this way , it becomes clear that Cirralto is more of a separate payments platform in itself , and hence the expression of ' Clipping the Ticket ' on some or all of the 3 sub categories of Authorisation , clearance , and settlement processes in the end to end payments life or journey. And this is of course also the reason for the receipt of its further 40% savings on fees it would otherwise pay if the authorization , initialization , clearance , and settlement components weren't in part happening within its own software universe and payments offering systems.So just endeavoring to find other ways to illustrate BOTH the size and significance of what Cirralto is offering in its rightful place in the market as compared to the differences that some of its B2C peers and perhaps other perceived competitors might be placing themselves. And by playing around with the illustration , you can begin to see these critical differences on how others may be placed by comparison to Cirralto's advantages.
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