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HELTMAN: And like Green Dot, they make income with this provider through amount. Each exchange delivers a tiny transaction cost for them, a lot how charge or Mastercard demand something charge when you use their unique communities to be in payments. And in addition they provide the consumer more credit to cover higher-ticket subscriptions for a tiny fee – so versus your Netflix membership, you may want to shell out your mobile statement through exact same method, offering the credit file that much a lot more positive cost record.