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The plan to make money at the moment is:- Subscription fees and...

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    The plan to make money at the moment is:
    - Subscription fees and interchange fees

    You know that already! You also probably know that tech companies are firstly about growing a product. Once they have a strong user base there will be other possibilities for monetisation.

    When you say "what can they do that can't be copied". This is true of everything. Of course company X can copy company Y, but it doesn't make company X a success. Nothing is ever as simple as just "copying" something.

    Having a team of such high calibre is putting the odds in your favour. They will bring skills and experience that you can't put a price on. On top of being a highly skilled team their backgrounds are very diverse from a number of different fields.
 
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