But there are players who have been taking volumes. You guys have been taking volumes.

When you talk about stealing volume, it might be in terms of the number of payments. However, every payment that Wise makes still, well, not every payment, but a significant percentage, uses SWIFT in some form for the wholesale treasury function. All these payment companies we've mentioned are payment aggregators, so they move large-value payments across SWIFT rather than doing individual transactions. Regarding whether more stablecoins could disaggregate and disintermediate established players, I don't think so. In the early days, we talked about fintech relative to the banking establishment, with banks running legacy platforms, technology, processes, and thinking. I'm not sure that applies here. If a company like Currencycloud or Wise wanted to embrace stablecoins, I think it's feasible. They could migrate from one system to another if they felt it was worthwhile. Stablecoins offer the advantage of 24/7 availability, allowing money to be moved around the world instantly, any day of the year, without relying on banks.