Citibank Equal Payment Plan, page-11

You're not missing anything, nailed it. Brilliant short if you can get it. All hot air. The people buying don't understand everything you have outlined. Particularly how easy it is to write a system to do what theirs supposedly does. Couple of weeks for a dev or two and scalable infrastructure at the click of a few buttons.

Ill call this will be under 10c within 24 months. See it time and time again with "tech plays" that are just a rehash of existing tech being promoted by market pumpers as some kind of revolution. I wonder how ZIP's low data voip app is going?? How do these things qualify for listing, man the ASX really is the wild west of exchanges.