Efficiency product that works like the technology of air wallace or stripe it becomes an easier choice because money stays inside the bank and money goes from bank to the destination because when when companies choose these treasury players like kairiba they know the clunkiness of the final leg because kairiba and even sap or s4 will generate all the payment files but then you have to go and upload into the bank and that may break and then you have to go and re-judge it and change the formatting and then go and upload it until it may break and it's okay for 100 transactions but if you have to do it for millions of transactions it's not feasible so short answer is that go to market wise yes we run into stripes and air wallace on the disbursement side but true technology wise we are closer to programming your treasury and hence the choice is easy if cash flow operational efficiency is key

We are a programmatic orchestration on top of the bank of the customer and you got it right that since we're targeting enterprises they are using one of the top 30 banks and all such banks have RTP FedNow mostly both in very few cases one of those and in that case the recipient's bank matters does the recipient bank have RTP receive FedNow receive or not so what we know is that almost 90% of the DDS in the US have RTP or FedNow receive we call it instant bank receive everybody wants to receive money fast but since we are a full payments organization we will fall back to a same day ACH or a next day ACH some of our customers use it in a tactical way also they say that if the recipient wants to receive money in 5 seconds they can pay more so our customers make a revenue line out of this but our job is to just improve the pipes how our customer wants to use it that's their choice