Well, according to the questions answered to the ASX it was Keast with input by the board of Directors and Greg Woszczalski who did the due diligence
The part I love the best is that BNPL Pay Protocol is "pre-revenue".
If there is no revenue at the moment, one would assume they are lending to nobody presently, yet they are going to do their "best endeavours" to provide up to $100M of BNPL funding - all in the poorest states of the USA with the highest default rates. I mean there is a reason nobody else is targeting these areas!
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