was going to post this same thing... still don't quite understand how they plan to make venture scale returns with a race to the bottom on fees.
Diveej was telling me they plan to release an API. Perhaps that’s where they plan to make money. It’d also be consistent with their mission - only take money from people who can more certainly afford it.
From one of the interviews I think they mentioned they will focus to charge the businesses that they provide services to. But for the user it's always going to be free.