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How are you guys doing KYC? Are you using possibly leaked credit data to verify people or something like Cognito? And with whom am I building credit with exactly? Let's say I sign up for Petal and make all of my payments on time, is that information shared with the bureaus and reflected on my core credit profile?

Given your experience with evaluating successful platforms in the past, what do you think are the top 3 elements to creating a successful platform on mobile?