For now, we're starting with a debit card product because they're easier to launch. Eventually, as the product gains more traction, it will be easier to launch

For now, we're starting with a debit card product because they're easier to launch. Eventually, as the product gains more traction, it will be easier to launch a credit product with the advantages you're looking for. Which that said, there's plenty of opportunity as a debit card product. We believe that no financial product right now really prioritizes spend control and bookkeeping accuracy in the way we do within our product.