Alex Bean

So the difference on that, I think you'd see the same with Brex and Ram too.

Right now when we're underwriting, we're not doing a lot of loans.

We will be, you know, adding to that.

We kind of have that in beta.

It's more underwriting like your credit card, like an Amex.

So if you don't pay, if you don't pay, then there are fees.

And obviously there is revenue that comes from like, Hey, if you don't pay your credit card bill, you pay it late.

You know, it's carried interest, et cetera.

But cabbage is doing like loans right there.

There's just straight out saying, Hey, we're going to give you a hundred thousand dollar loan.

And at this return, so.

Just to be clear, you're just doing the credit card stuff.

You guys haven't went out and raised a billion dollars as a balance sheet credit fund to do small business loans into your partners.

We do have that set up.

We are not fully launched on it simply from a product standpoint.

We actually launched it pre-COVID.

We pulled it, obviously, with COVID.

Now, we're going to start launching it again.

It's definitely in our wheelhouse.

It's the same conversation Amix and all these guys have.