I think for me the key take away is that APT might struggle for some time but due to their healthy balance sheet and liquidity as well as their diversification, low exposure (per person) and their ability to close the tap on struggling users they should be able to weather the storm.
None of this is new information, but a letter like this is always good for confidence, which in this market is everything.
I think for me the key take away is that APT might struggle for...
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