The Neo Bank's Cash Flow Analysis

The buy now pay later companies not reporting to the bureaus and supposedly that will be changing at some point. They also don't really build integrations with the open banking platforms, right? So there is no insight into that cash flow. Chime just took a little bit of haircut. If you can call it haircut, you know, going down to $15 billion valuation. What do you think's happening in the neo bank world? Like, is this a return to earth? Is it an overreaction?