Facebook vs. Afterpay, page-13

APT terminal value is now significantly hampered

Libra doesn't charge 4%
Libra distribution is 2.6b users. APT is what 1m....
FB owns social media, APT doesn't. You will have Kardashians, Swifts, Artists selling merchandise/products through FB/Spotify network
Libra has said they will get into consumer financing (way more innovative and cheaper than APT)
Libra will offer smart payment functionality (escrow payments, different settlement dates etc)

I rather own the Libra/Calibra business model over one that relies on people who can't afford to pay $30 for lipstick immediately....