This is Howard, the CEO.  There's no gap.  We started 2.5yrs ago targeting consumer lending. We read dharma's first paper, made friends with SALT compliance folks, and friendly-ish with Zac Prince at BlockFi and others. The reality was in consumer lending, the costs of capital and acquisition cost were too high to justify reasonable price unless you were willing to hypothecate the security interest. We don't do that. We live by the 4 keys of Disney: Safety, Courtesy, Efficiency and Show. The end result is we found that if we went upstream to a few targeted B2B lenders, we could become an overnight cash management product.  We've been working consistently this whole time. We have good accounting records and good clients. Hope this addresses the question.

All, I am a professional appraiser and have clients who hold crypto-backed assets (e.g. LP interests, pref shares, etc.)

Does anyone on this thread have similar holdings or just tokens?