I blame entirely on management
I'm also a long term investor and early investor in APT also.
it was apparent back in 2017 and 2018 when the same concerns floated around back then at we were $1, and APT were $7 then $8 then $9 and so forth
here we still are, which some, in proportion, would consider being the gutter
they have been average at best at marketing locally and got dwarfed by APT. if it wasn't for quadpay, we would be back at $3,4 and $5
the only good decision they've made in the past 2 years IMO
Affirm partners with Amazon, page-75
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