I want to point out something you missed, specifically where you claim no where on their website it suggests they are building a mobile wallet.
I actually overlooked something, I didn't read all the bios of their team and finally just went through it trying to figure out who was going to be developing their software. I can see now they have four dedicated software developers hired, I'm glad to see they are building this in-house (this is actually great). In my personal experience outsourcing leads to utterly garbage software always, and a project like this requires greater investment.
So to my point, I would like to have you realize this;
Alexander Gill Technology Developer "Alex is a full stack developer working on the HUMBL mobile wallet and HUMBL Hubs merchant software..."
The description for Alex's role is longer but I just stopped right where it says to you that they in fact have a developer on staff who specifically is developing a mobile wallet.
I think they are developing exactly what I believe they are. Further we can clearly see they do have the proper development support inhouse. Each developer has a different focus, one on the mobile wallet and hub, one on backend systems integrations, one on frontend, and I would guess the other is developing specifications/software architecture (to some extent).
There's actually more you want from a proper inhouse development team, I've been glancing over the other technology positions and I think they nearly have everything else actually accounted for that I would expect. Suffice it to say my impression of the team they have put together is that they are serious about accomplishing their stated goals.
I would like to hear from their technology lead on the investor call, to get some ideas of their architecture and design. I'll be listening to the Jan 22nd call closely, if you're familiar with software development and the technologies involved hearing key things from their leads can say a lot about their true status and how well defined their road map is.
As an aside, to support a company of this size without revenue would suggest substantial investments. I have lots of questions about that and hope it'll be addressed on the next conference call. I wonder specifically how they are going to keep themselves funded.
The more I piece together here the more legitimate it looks... at a glance I do see all the means to accomplish what they want in place right now. But I don't know of any software development project ever completed as initially scheduled so the question of continued funding is important to understand.
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