Marwan Forsley

Yeah, we make money on foreign exchange.

We make money if the payer paid with their credit card.

We make money when we deposit funds real time to your debit card.

And we make money on capital programs.

A bunch of customers really like the idea of accessing capital lines from Veeam.

So I have a bill, I need to pay it, but I'm kind of short on cash.

So what I do is I request the payment to be delayed.

Essentially, think of it like a pay later type program.

The NPL, right?

The NPL, yes, exactly.

Similar to that for businesses.

So these are the types of revenue we make.

What's interesting is there's no subscription fee.

There's no setup fee.

There's no transaction fees on HCH checks or debit cards.

They're all for free.

So we make money on what we call advanced features, which is credit cards, foreign exchange, and capital program.

Historically, Foreign Exchange is the leader because historically we come from cross-border payments market.

And over time, we know there's quite a lot of activity in domestic markets.

So we started adding other ways to monetize domestic.