Yes it does appear IOU is not the run of the mill BNPL player which is a good thing.
Even in SEA and Asia in general it appears that the BNPL model is being done to death by now. Every tom dick and harry is getting into BNPL over there in line with the world trend.
Its good to attempt something different like what IOU is doing. Will just take time to translate into what it means for IOU in a business sense and I think it will probably take 6 to 12 months to really see traction with IDSB collaboration imo.
Beyond that IOU has the Razer partnership and funding deals to come hopefully.
$1 Club, page-25031
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