The reason you don't understand how we raised so much money is because you don't understand how the business works apparently. Unless you're saying all credit

The reason you don't understand how we raised so much money is because you don't understand how the business works apparently. Unless you're saying all credit card companies are the same as predatory payday loans or subprime loans, Brex is no different. Brex is required to do underwriting to determine the amount of credit that can be provided to a company. Underwriting has legal thresholds that must be met. Brex is required to have AML processes in place. And unlike most corporate cards, there is no personal guarantee owned by the founders. And since we have a fairly high threshold to qualify, it hedges risks for both parties. It's not like Brex is handing out 50k in credit to a 10 person startup with no VC. payday loans and subprime debt targets people that cannot afford to pay what they take out. I am not sure how you think that is even remotely close to what Brex, Amex, SVB, or anyone in the space is doing. Brex isn't entirely unique, but it's also not predatory. And, if you take some time to learn the industry, you can see that there are plenty of areas that are legacy that are due to be rebuilt and re-examined. Whether we at Brex will be the ones to properly innovate in that area remains to be seen, but I am pretty confident we are at least moving in the right direction. Disclaimer, I work at Brex.