The Importance of Cash Flow in BB

Is it simply the API in the platform? Are you actually handling money, acting as parts of the payment chain yourself? Or is it just the underlying API and platform that connects all of these services? It's all of it in one. Very impressive then. And the last specific product question then for you is the instant payment portion of it. At least I saw instant payment listed there. And you've kind of spoke to that ability to be able to act as that loan service. Is that kind of the biggest, biggest selling point you have as far as to the end vendors and everyone being a part of this  that makes it easy for the merchants or the marketplaces they're going