Marwan Forsley

So that's a newer revenue stream, cards and capital.

But today, there's more skew towards foreign exchange.

In the future, it'll balance out.

It's not as high, but yeah, the growth rate on domestic is definitely high.

It's like high growth markets.

Yeah, they'll divvy up like maybe a third, a third, a third.

These are all different ways to monetize customers.

And these are all big trends in the market.

I mean, credit card and B2B.

and card issuance and deposits.

These are all hot markets in the B2B space.

Capital, and like you said, the NPL, that's a hot market as well.

The foreign exchange is like the most painful thing to do.

And that's a known pain that everybody goes through.

So that's a reliable, very good revenue stream that we're going to have for a long time.

It ranges from on the low end, about quarter percent.

On the high end, about 2%.

It varies depending on the payment method you choose, on the currency curve, on the countries.

There's a difference between sending payments to Europe versus sending payments to Vietnam.

Just the cost structure is very different.