Yes, after years of pushing Pay By Text, they have a grand total of.....zero accounts using this. But it is their flagship product, investors were to look for it "AT A STORE NEAR THEM". I mean it is a great idea, there must be one mom and pop shop that wants to use this product...NO? what do you mean they use pay pal, apple pay, google wallet...You mean they don't want to use a no name company with no clients or network of other clients? They want to use a name that is a household name....just silly if you ask me. But look for it at a store near you......>