Do you consider crypterium as a competitors? As far as I know they have similar structure as you, they have released card, apps, develop banking ecosystem and so on.
Will you compete or cooperate with them?
Good question. Since most of these projects are afraid of competition. And here it is interesting to hear the answer.
Yeah. Good question. I believe that Crypterium can to be considered an indirect competitor. Cripterium looks have focus in "normal" users (CC, payments, perks, etc). But the market for all-in-one solution is immense. Maybe PointPay focus can to be stock marketing (trading, cryptoassets, etc).