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“At this point, I don't have an account with Bank of America, Chase, Wells Fargo, anyone. I literally only have my customers' cards in my pocket.”

“So we've kind of like always only partnered with people where no tri-party agreements are needed. So they just come and sign an agreement with us, and then we kind of manage everything else behind the scenes.”

“We're most likely not going to go and get a charter.”

“When your company is growing very quickly, that switch is a step function. It's not a gradual switch. It doesn't give you a lot of time to be like, okay, I have about six months before I can improve on this. You have to quickly be able to change.”