A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on the financial services we offer (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, our crowd banking model significantly reduces our overhead when compared to regular banks (we don't have brick-and-mortar branches, for example).

Further, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions.