What is Winvesta's monetization strategy and how do they plan to evolve it in the future?

Beyond subscription costs, there are transaction costs, which are of two natures. One is when a person converts money, and another one is when you pay out money. These are the three levers of revenue right now. 

We don't provide cards right now, and so in the future, there are quite a few more regulatory requirements when you get into issuing cards, but when people actually travel or migrate, and stay customers of ours, we'd also be in a position to offer those kinds of products to them as well.