To add.
I do not think it is far fetched to see MONI will eventually have all of the capabilities that Coinbase does. After all, the very architecture of the coinbaae platform was designed by the very engineers now working with MONI. If yiu take a look a Coinbase, it is divided into two platforms, one for holding crypto, and the other (pro) for trading. I think we will see both here, along with gifting.