adrobdid

It's an interesting comparison. Would you say your company has a similar ethos to Uber? They got big by operating a business illegally, hoping that doing so would convince legislators to change the law. FICO isn't itself a governmental creation, there's nothing wrong with disrupting it. But you're operating in a sector with even more regulatory oversight than public vehicles. That legal framework isn't designed to just protect incumbents, it's also for consumers and third parties. I hope you're respecting the law-based aspects of the consumer lending market.

I see that TomoCredit also has a lot of crypto-related features - it works as a wallet, rewards can be claimed in various cryptocurrencies, etc. Are you concerned about being the intersection of consumers with poor or minimal credit history and highly unstable, speculative investment products? I would think that a no-fee, starter credit card would want their customers managing their assets more conservatively.