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great but who is funding that at %0? is it non profit? like website, company and math people there will have wages. so even 1% is impossible without incredibly big volume and liqudity.

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If Americans are spending 1B per month and you capture 10M per month (1%) of the market, charging 1% gives you 100k / month for the business.

I think you could raise money and then sustain a lean business.

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