They joined because it allows them increased market share. This play is mostly about cross border remittance and the unbanked. This gives all these companies a

They joined because it allows them increased market share. This play is mostly about cross border remittance and the unbanked. This gives all these companies a percentage of all the money that gets moved in this way. They have almost no exposure to those customers today. And all they have to do is run some software on some servers and invest $10M. Seems like nothing but upside to me.