The Importance of Interchange and Float in Fintech

Is there anything you've learned about operating in that world that stood out is kind of a big surprise to you? I think it's shocking to me how many thinkics are purely relying on interchange and float like it's mind-blowing. It's kind of incentivizing a race to the bottom more or less on the margins of all of that so definitely right there with you on thatYou referenced AI a few times and at the beginning we kind of talked about the datasets that you're using to create this incentive structure. How does that side of things kind of work that I'm like an Italian grant but I'm not going to tell you my sex secret sauce recipe, he said.