ico. • Most of the team in Puerto Rico. Salary is less. cheaper. • Interest rate - 0 for interest rates. Business model - FX margin on payments. • Subrogate bank in California - 2 bin dollars in deposits - 40 min overnight in treasure. 50% profit margin as the bank. There is no credit risk no mortgages -

ico. • Most of the team in Puerto Rico. Salary is less. cheaper. • Interest rate - 0 for interest rates. Business model - FX margin on payments. • Subrogate bank in California - 2 bin dollars in deposits - 40 min overnight in treasure. 50% profit margin as the bank. There is no credit risk no mortgages -