The question "what is this company offering that is not already being done?" is moot.
Lets put aside that there is a slew of information available to the entire world on what they are actually offering that is/will be valuable to the consumer... apparently that is not important.
The fact that they are accessing a much larger piece of the market than any other company, they don't have to do anything any differently than PayPal, Venmo, Cash app (even though they are/will be offering more for the consumer) NO ONE COMPANY dominates the fintech space. None. Plenty of room to grow.
But let's just say they were not offering their services to the rest of the planet... apparently that is not important also... IF they were just operating in the US and offering the same services (which they are offering more) they would 100% get a piece of the market... then all they would need to do is provide it better than the competitor... doing it better than the competitor is whatever the market decides is doing it better. A smaller company can become a large company simply for this reason however "unlikely" it is that another company will "let" them. Companies rise and fall all the time... this will never change.
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