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That seems like a really cool concept. But also way too free. How are they making money?

Their privacy policy (which was hard to find) doesn't describe how they handle your transaction data, yet almost half of the policy is describing how they're going to collect and disclose (web) information for advertising.

>How are they making money?

Raising money (around $350 million recently) to hire consultants to figure out a monetization policy.

Seems that it's not gonna help at all: https://i.imgur.com/c0vf3wd.png

Ironically I found out about the visa outage when I tried to deposit into my Revolut :)

How is Revolut solving that specific issue?

It's not. Except that the majority of the cards they issued are MasterCard.