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I would imagine that for Zip's 3.8 million customers in the US,...

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    I would imagine that for Zip's 3.8 million customers in the US, many would have an Affirm account, which they're probably also using concurrently with their Zip BNPL loans. Therefore, it would make the US component of Zip's business worth peanuts and hold no value for Affirm. They may however benefit from the Aussie arm. Affirm tried Australia but failed miserably.
 
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