gradually overtake Afterpay? highly unlikely, I don't hold...

gradually overtake Afterpay? highly unlikely, I don't hold any AFP but do hold Z1P and OPY. if anything there's a long long line of bnpl companies that could 'gradually overtake' the big dog but again, highly unlikely. As for this company your valuation sounds rational and the potential is definitely there, I think if they can find a distinctive way of differentiating their services we could see this company well developed in the years to come.