i think xinja and volt just did massive down rounds, valuing them circa $150M.. with as you say, 250k customers, product in market and deposits being held, not to mention an ADI.
i also dont think you're taking into account the cost base against those numbers and intercharge fee charges, which is way higher than $15m...
as seen by others in this space that have needed to raise $200m+ to get to some kind of scale..
but who knows, if the market cap stays around this level another week, i'd expect a quick cap raise from them of another $20M or so, and then who knows from there...
10 - 15 Cent Club :-), page-17
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