At the Vintage 2020 summit, Malka argues that payment businesses need scale, a differentiated niche or complementary services when processing margins are low; transaction activity alone is not his profitability test.Historical business-model analysis, uploaded January 2021. Geographic fee statements are his dated generalizations, not current pricing or legal advice. This supports no particular token’s future revenue.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse
