Ahhh, NO
The IOU model isn't reliant on banks, but you would know that if you did some research, and frankly lve not the time nor energy to highlight it for you.
Suggest you look through operational updates earlier this year.
On another note, the recent mid Q update should be reviewed as the information is all there re time, TTV NTV, and its growth over such periods. The basis of reviewing YoY as you've highlighted previously is totally irrelevant in the current times. Legacy issues and cost to remove of old BoD are once off costs and not repeated ever.
If you are holding, l believe you will be rewarded, if not all good too.
But l do urge everyone to DYOR.
Stig
$1 Club, page-24499
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