Got it. For Instagram; they have creators (who create content, make filters etc) who already get paid by Instagram when that content is sold. No idea how large

Got it. For Instagram; they have creators (who create content, make filters etc) who already get paid by Instagram when that content is sold. No idea how large that business is, but it's a case where instagram is impacting the moneyflow. They would definitely not be a vertical neobank for consumers. Way too broad. For Spotify - they are in the money flow for artists. The vertical neobank would be for those artists getting paid.