Other unknown of course is the fee structure (esp in the US where they’re going for a land grab). Model works well at 4% fee...but if some of the large volume growth is because they’re giving away margin it may end up being profitless volume. I fear they’re going for the land grab not realising in the (much more competitive/lower margin) US once word is out that they go for lower prices they won’t be able to onboard new retailers for a higher margin.
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