How do companies differentiate BaaS from point solutions, and determine which option is best-suited for their needs?

I might tweak that question, if you don’t mind. I would say, the reason why I'm excited about Apto is, when you approach solution design back to front from the cardholder experience, we are uniquely positioned to continue to adopt, implement, and take advantage of the latest technological advancements. Let's just use crypto as an example: stablecoin, staking, yield. We are in a position to offer those products, in addition to a traditional checking account infrastructure. We can issue debit cards. We can create bank accounts that interact with those debit cards. And, we're also uniquely positioned to point or link that debit card to another store of value or another wallet, i.e., a crypto wallet. We have a lot more flexibility with our architecture than being hard coded as a traditional banking-as-a-service platform.