We're seeing a lot of pivots of businesses that we write about, bringing in alternative revenue streams. In the case of Shopify, that is also lending money to people who use your service. The reason that we've now given out more than $4 billion of capital for cash advances and loans to merchants is it's not because we had this ambition to help entrepreneurs. It turns out banks don't do a very good job of helping entrepreneurs and small businesses when they're just getting started.

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