What was your biggest learning from this whole process? You devoted significant resources and time to focus on a player, and it didn't evolve as you wanted. You had to dismantle the partnership in a short period.

For us, it was a bridge that made sense. We can't have disruptions to our main business, which is facilitating peer-to-peer transactions. Without an acquirer, our market cap and stock would be at risk. The 18-month engagement made sense, even though it was resource-intensive and costly. Working with Adyen was beneficial because they pushed us to implement velocity controls and more documentation. We realized that if we're going to do the self-acquiring model, our bank is FDIC-regulated, and we have to meet federal regulatory standards. Adyen helped us reach a place we wanted to go, even if it was a lot of work and expensive. In the long run, it was very helpful.