The Pain Point of Cashlessness in the United States

There is a very strong economic incentive to do that. We already see billions of dollars in stable, co-indenominated volume that is going through for B2B transactions. And the last one is cross-border retail e-commerce. That's what we are seeing these days. Imagine the cases I am in Peru, I want to buy online from an American merchant but I lack an international credit card in Peru. The client rates could be up to 70, 80% of the time if I don't have one of those cards. So there are more and more appetite from consumers in those regions who want to buy from merchants that are in a different country.