Assuming this is their only business model into perpetuity. If they find a way to build a strong defensive moat around their business, they can start charging m

Assuming this is their only business model into perpetuity. If they find a way to build a strong defensive moat around their business, they can start charging monopoly rents. The 5% seems like the minimum they can charge to stay in business while they're figuring out what their real business model is.