Hold on a second! Zip doesn't even touch auto loans, so those...

Hold on a second! Zip doesn't even touch auto loans, so those surging delinquency rates? Not their problem. Zip is all about smart, responsible lending – they’ve got rigorous credit checks and they target the right customers. Yes, credit card debt is up, but Zip’s not in the same boat. They’ve reported strong financials, a hefty cash reserve, and a laser focus on sustainable growth. They’re not getting dragged down by the woes of traditional lenders.And get this – Zip's U.S. business just saw a 43.6% increase in transaction volume and a 49.2% rise in revenue compared to last year. They’ve got $327.2 million in cash and liquidity, and they've expanded their revenue margins to 9.1%. Plus, their bad debt rates are super low, with U.S. credit losses at just 1.3% of transaction volume.Zip’s nimble, they’re resilient, and they’re not bogged down by the same risks. So let’s cut through the noise – Zip is in a solid position to weather this storm and keep delivering value!