Legitimate question. Here's how I see it. If anyone can shoot holes in it, please do.
HUMBL's global money transfer business has as its underlying technology 'blockchain'. Blockchain is not proprietary. Anyone can use it, but the current methods and technological models, which make this kind of business work are not forward compatible with blockchain. Therefore, if PayPal for example, wants to build their system based on blockchain, they will have to build it from the ground up. HUMBL is already way ahead of anyone doing that. It requires an immensely talented team of experts to make it work. The biggest talents are already with HUMBL. This scenario does not only apply to big existing companies, but also to newcomers.
HUMBL was first, and anyone else will have to play catch up.