ZIP 2.21% $2.31 zip co limited..

Reiterating 10$- Nov 2020, page-89

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    That market is less lucrative. Carries higher credit risk (meaning higher bad debt charges, and money tied up in credit provisioning) and when considering how the higher valued items use funding warehouse facility, this product is far less capital efficient than your vanilla BNPL products (etc Zippay and Afterpay). That's why FXL is struggling so much while at the other end of the spectrum APT is kicking goals. While I do like the fact Z1P offers both, I also understand the limitations.
 
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