💳 A Credit Card that resets your LIMIT when Your ROAS is good: PVX's UA financing card is here!

What is this card designed to do? This card is designed to onboard um someone who's recently launched an app, right? Probably doesn't qualify for UA financing like for traditional UA financing, right? Because they just don't have enough cohorts. They're not spending enough. They don't have, you know, maybe have too much volatility in their performance. That's all fine by the way. Like that's totally normal, right? Normal.
But you still need a credit card that will give you flexibility on the UA spend. And so I think there the the main benefit is 4 a.m. and we're rolling the dice [music] but drops knowledge made of golden eyes. Felix with ads making those coins rise. Jack up designs worlds chasing the [music] sky. We're the two and a half gamers the midnight crew talking UA adverts and game design too. M feeling [music] shak bringing the insight. We're rocking those vibes till the early day [music] master eyes on the prize tracking data through the cyber space. Felix colors like a wizard in disguise. Jack real to [music] the high. Two and a half gamers talking smack. Slow hockey stick got your back. Ads are beautiful. They light the way. Click it

fast. [music] Don't delay. Uh-huh. Uh-huh. Ah. [music] Ah. [music] Hello. Hello everybody. My name is Mate Lancharich. I'm Felix Braberg
and I'm Yubra
and we are your hosts and we have very special episode because we have Joe from PVX partners on the podcast.
Welcome Joe. Can you introduce yourself and the company? I mean PVX is a is a very good partner of us but just just in case audience uh first of all a pleasure to be here guys. Thanks. I think it's my first time yes
with you guys on a plot so I'm super excited about that. But I'm Joe Wat Catholic. If anyone's curious about us how to say my last name, that's how you say it.
Yeah, that's why I said Joe because I I I can't I can't.

It's uh it's okay. So yeah, look, I'm I'm the CEO co-founder here at PVX. Obviously been been running the business with, you know, with with Ritzky and Zj over the last two years. We are a UA financing provider as as I think you know but you know we we really focus we started our focus really on mobile gaming because that's where we all came from. Uh I used to run one of the largest real money gaming platforms in India called MPL. Today it's a bit more of a global business but you know a lot of us are veterans from from MPL. So we come with a strong mobile gaming background but now in PVX we do you know we do all consumer apps right? So we're much broader but uh but yeah really again really excited to be here and and and and uh and chat with you guys.
Yes because uh there is really something interesting happening at PVX partners and we discussed this in China a little bit and that is a credit card which you are going to launch very soon. So what it is how and why and like let's

yeah let's start with the whole story because that's pretty much your baby right? Yeah. I mean, you mean the credit card idea?
Yes.
My baby. Yeah. I mean,
that's that's what Ritzki That's what Ritzki said.
Yeah. Look, uh, that's sort of like I don't know. You know, that's like when your wife is like, "That's your child." Is that a compliment or an insult? You know, [laughter]
the one eating paint, right?
Yeah. Yeah. So, yeah. Look, I mean, I I think it's it it really first of all, it came out of an observation with respect to customer behavior or borrower behavior that we're already seeing. And what that was is that we noticed, you know, even for some of our largest customers, they were still running part of their UA spends on a credit card. And you know the main challenge that many of these companies have obviously less so the larger ones but in particular the smaller businesses is that you know you don't really have a credit cards that's designed to understand the underlying

risk of the marketing spend. So what I mean by that is you know the credit card company wants to get paid at the end of the month right it is and if and if you don't pay them back
as everyone knows you know I think everyone tries to clear their credit card balance every month. Why? because the interest rates are quite punitive, right? They're very very high. And so I think, you know, our our basic idea is that like why can't we deliver UA financing through a credit card, right? If you had a credit card where essentially as long as ROAS was performing at a certain level, you had functionally unlimited limits, that's a really really powerful card. And it what it does is that, you know, for us, we fund our companies on the 25th, right? It's not a not a secret. We fund all of our companies. We our settlement date is the 25th. But when you give somebody a credit card, they can use that, you know, that's available credit. That means they can use that anytime they want to make a make a spend. So from a just from a spend management perspective, it's a it's a lot more

efficient. And then ultimately from you know also I guess a second layer of spend management is you can then be pretty you can do some interesting things with respect to channel control, right? So you can have okay Felix is running the meta campaigns and I want to know the met like as long as meta rorowass right is is above this like I'm happy to set limits you know to whatever and mate is doing something else and Yakob is doing something else so you can sort of have different cards for different channels you can set different limits all the limits can actually be rorowass based rather than sort of just amountbased um and that that's really what we're trying to do so bringing that sort of rorowass based underwriting that we were using to finance traditional sort of more like a loan for UA but bringing that way of thinking into a credit card. So
you mentioned underwriting but I mean obviously on the on the UA financing you're underwriting on like real UA day like what's what's the actual like mechanism here for the for the for the card and you also mentioned multiple

cards. So are you go are you saying you're going to have credit card for Facebook, credit card for Google, credit card for Tik Tok and but that's the second part of the question.
Yeah. Yeah. So on the second part I'd say like that's maybe I'll answer that first because that's easier. That's really up to the the borrower, right? So that's up to the the customer.
How are we
underwriting?
Exactly.
Yeah. So I think there's two parts to it. Look, ultimately we have to get the rorowass data, right? That's where the card is differentiated. You're not giving your rorowass data to MX when you have a MX corporate card, but similarly you're not getting dynamic limits based on ROAS performance. And so it's the same, right? I think here the way it works is we still have to get access to the underlying data. We're trying to make that very smooth. So we obviously can do the MMP plugins. We always do need the first party data. We're automating that now where there's essentially an installer where you know once we're in the database using basically agents we can we can spin up the data that we need very very quickly.

So that integration time is is quite fast and then we use that data to say okay hey if performance is above certain limits you know then basically there's I mean I don't want to say unlimited credit because that's that's not functionally true but you know it's let's just say it's it's dynamic credit limits. So, so if I'm understanding it correctly, right? So, let's say I'm running Facebook, Google, and Tik Tok and we use the PVX credit card. If you see the rorowaz is there, unlike a normal credit card we have to pay back after 30 days, you might say this particular spend line from Tik Tok, you can pay me back in 90 days without paying me 21% which is a standard credit card fees, right?
Yeah. Yeah. So, it's not it's not I mean, there's still going to be a cost. So, but I think the point is it's less around. So, so here's the way I see it. Let's say you're spending $100,000 a month, right, on UA, and you're like, you know what, the the the the curves look great. I should be able to spend

double or triple. You just can't do that on that one card. You have to spend that 100k. You have to like pay it right away and then spend more.
Yeah.
Right. What we're saying is that right if we we can basically look at the data and say hey we agree with you the courts do look good you're going to get recouped go ahead and spend that 200k as long as the performance is above a certain level in the second month that limit is going to reset to 200k even if you've only paid me what the M1 rorowass is right so if even if you've only paid me as long as you pay me whatever that M1 rorowass is so it's like 30% or 40% whatever that is that that obviously will help clear some of the balance but we're actually then going to reset the balance months so you can keep spending and there's no interruption in spending, right? Because I think the challenge for a lot of especially the earlier stage companies is it's not necessarily just a cost of capital issue. In fact, when you're early and growing fast, if you get them you you care more about getting the money than worrying about the cost of that money as long as it's not a

stupid price. But it's actually even getting that credit limit, right? Like you can't even get that credit limit. So here we're giving you the credit limit if the performance is there and we're basically saying like there's not going to be any interruption uh on on your ability to keep spending.
So I'm just you know wrapping my head head around all of this because I have this situation where I have a game and I'm spending right now and I think I mentioned this in to in China. So I'm spending let's say 70k per month.
Yeah.
Obviously it's it's Google, it's it's Tik Tok, it's Facebook, it's apploining as well. I have a I have like an invoicing on Apple login but I don't have invoicing on or credit lines on anything else
right
well I have on Tik Tok but they required to pay pay this invoice like every 14 days which is quite stressful let's play that yes like okay guys like this is not cool
so so that's that's that and I'm waiting on on the money uh to be paid from from

Apple and all the ad ad networks and then obviously from Apple and Google. On Google and Apple, I mean, I can get my money on always like on the 15th day of every month. But I'm waiting for money from Apple. I was waiting for for some money from Integral, Unity, and from from Moco for almost two months because they had some issues with uh with payments. It's like, okay, great.
And that's where this comes pretty handy.
Exactly. That's exactly right. because as long as the performance is there, then we know you're going to get that money eventually and so we're fine, right? And so that's really it's really a performance-based credit card is sort of the way to think about it.
What happens because all of these is like obviously super cool, but the first campaigns and the initial campaigns are always like let's call them golden cohort. So they look really good and what happens after two or three months when the performance drops.
Yeah. Look, I think obviously in in like

we'll first of all we'll be monitoring that real time. So I think one of the interesting things that we have is you know for our core business which is UA financing because we've looked at I think we've looked at like 500 different apps today maybe more and so you know after basically processing all that data we've gotten pretty good at at being able to predict what your monthly performance is going to look like as soon as just getting one day of signal. So if you have one day of signal, it's not a super high confidence score obviously, but by the time you get to 15 days, it's like pretty high confidence. It's 90 90% sort of confidence of where you're going to be with respect to spends. So, I think part of the in exciting part of this card is that it opens up access to all of that tooling for for you or for for anyone who's who's a bit early, maybe doesn't qualify for UA financing, which should help them manage those situations, right? But like

to be clear, at the end of the day, it's still a credit card. It's still a loan. You still need to pay it back, right? So it's it's a little different from traditional UA financing in the sense that in UA financing we're actually taking underlying risk on the cohorts. So if the cohorts actually don't pay, don't recoup and like let's say only recoup 50% but we funded 80% of it like we eat that 30% loss, right? In a UA financing context. In a credit card context, not really, right? You still have to pay the credit card, right? So what is this card designed to do? This card is designed to onboard um someone who's recently launched an app, right? Probably doesn't qualify for UA financing, like for traditional UA financing, right? Because they just don't have enough cohorts. they're not spending enough, they don't have, you know, maybe have too much volatility in their performance. That's all fine by the way. Like that's totally normal, right? Normal.
But you still need a credit card that will give you flexibility on the UA spend. And so I think there the the main benefit is hey as long as you pay some

percentage of this card we will basically reset and we will obviously track your ROAS to make sure that the performance is
yeah you know okay at least like it's not a complete wipe out because obviously we have to manage our credit risk also but and by the way that's valuable feedback right because like when I mean I've I've been a founder many times as you guys have all been founders and like you actually need that you it's really valuable to have somebody tell you like hey this is
yeah this doesn't look that good or this is actually great right
so so obviously there's that but the idea is that like hey here's a way for you to very quickly sort of stretch your your your payback period sort of to to to like 3 months or you know 2 months 3 months six you know up to all the way up to 6 months right and even if your cohorts are not super you know consistent or even paying back necessarily in that length but we and stretch this for you so you have more flexibility in your marketing spend. Right? That's the initial that's the

that's the person, you know, guy or girl who's spending like,000 bucks a day and like scaling to like 2, three, four or five, right? A day.
Once they get to like 5, six, seven a day, there should be some level of like if they're at 10K a day, let's say, you know, there should be some level of consistency there. And then then it sort of moves from being uh the credit card alone like of course you can keep running all the spend on credit card but then we can actually transition you to like a UA financing product where you're where we actually will take risk on the cohorts right and there it's saying like okay you're still run the spends on the credit card but you know ultimately then now if the cohorts don't pay back we will take that risk after the first month because in the first month the spends are being run by the card and then in month two, it's basically we're like on our side, we're sort of transferring like sort of transferring the asset, if you will, or transferring that liability to a different part of the house, right? Where it's like moving to our fund or moving to our balance sheet essentially, and so it's becoming

like more traditional UA financing, but it's delivered through a credit card.
I got a question, Joe. Uh, I get the concept, but basically, I've had this conversation two times with founding teams, and basically it goes like this. I'll just offiscate the name. So, let's just say it's an app that does organic cat food via subscription. I'm just making this up so you not get the name right, but basically this app has spent three uh 9 million in the last 3 years and they did it all on the AMX for UA for a corporate AMX. So, basically they could divvy up the AMX points via all the three founders, meaning they haven't paid for a hotel night or a flight for the last 3 years, right? Because basically the AMX points what happens there, right? because it's a huge perk for some founding teams doing this, right?
Great question. It's a great question. So, so we can also offer points first of all,
right? So, we can also offer points, but ultimately it's like what do you care more of? Do you care about your cost of capital? Like, are you happy to pay a

very like MX if you stretch? Like, as you know with AMX, you can't stretch, right? If you stretch, you you're paying like 27% by the way for AMX, right? Super high. So, okay. Like, are you going to take a car? Are you saying, "Hey, I'm happy to take a card. I want to stretch it. I'm happy to pay 27% as long as you give me the points." Like, yeah, okay, I'll take that trade. You know, I don't think it's a good trade for for for the company. But if that's the trade you guys want to make, then okay, like we can, you know, obviously do that. I I I think the way that we we think about it is look, if you're purely optimizing only for points and all you care about is points, then you probably don't have, you know, you probably don't have this problem where it's like I need to be able to scale my spends. Like it's not a priority, right? And so that's sort of I don't know if I answered your question, Felix, but that that's sort of what we would put back to the to the team. It's like, hey, we can give you a card that has points obviously then like the underlying capital will be a little bit more expensive because someone has to make money somewhere. And so we can

do that or we can say like let's maybe not optimize for points but you know actually save you a lot more money because you know we can now deliver this capital cheaper through the card.
Yeah. Let me just say for people that are not from America that MX points are American Express card points because I'm guessing half of the audience is now looking into Google
like you I saw like what's it say?
Yeah. Yeah.
Which brings a good point or question like where is the card going to be launched like which countries?
Great question. So we're going to launch in the UK and in the EU initially. So
interesting.
Look, the EU is not standardized. So I don't want to release the full I don't want to I don't want to give you misinformation, but it's probably going to be a group of like four, five, six initial launch countries where it's fairly straightforward because obviously we're doing this through partners, right? Like
we're out of bank.

No Slovakia, I guess.
Yeah. So we have to like
you guys have to wait your turn.
Yeah. Yeah.
You have to get the right partnerships in place. But we will launch in these markets first and and and look the idea is that we want to launch initially with a with a smaller group right we want to make sure that it's actually solving a problem and you know the feedback we get is quite strong particularly for you know because UA spend as you know it's like for an early stage company it's bigger than monthly revenue right so it's
it's it can be 100 150% of your monthly revenue or more like 400% % we've seen as high as if if the cohorts are good. And so a lot of these founders struggle with getting the capacity. They struggle with payment interruptions. They they have to put a lot of personal guarantees. And even if they are able to spend 400k, they have to suddenly pay it back that month, right? When their underlying cohort is taking like 5 months, but they have to clear that 400k that month itself in order to spend 400k

next month. That's the problem we're solving where we're like, "Okay, why? Okay, I I know your performance is good. I'm going to reset. So, this card will let you like don't spend 400 just paying back 40 or or 50 or 60 or whatever that number is. Now, I'm going to reset that card to 400 for you. Basically, give you a a very big credit limit behind the card which founders haven't had access to at that early stage.
Are you going to focus on Turkey or like US or like Eastern Europe or something? Because I mean all the all the scaling games are in Turkey pretty much these days.
Yeah. Look, look, a lot a lot obly a lot in in in Turkey, a lot in Turkey. But look, Turkey is a highly regulated market, right? So, it's not a market that um yeah, it's not a market we can sort of enter into lightly. I think the focus again, you know, about I'd say 30% of our book 30 40 almost 40% of our book is Europe.
Yeah. Nice.
So, Europe is a big market for us. It's a it's a it's a thriving market

particularly for game as you guys know. you know, I think people sleep on it sometimes, but it's it's it's very vibrant. I mean, we are we see a lot of activity, especially at the earlier stage. And so, and it's also challenging, right? I mean, the other markets are also challenging as well, but like we feel like if you can sort of crack you or Europe in general, that gives you a good framework to crack, you know,
Yeah.
these other other markets.
Sorry, go ahead.
Yeah. I just I just want to say like what I'm hearing is you're pretty much going to soft launch the credit card in few markets and then after getting feedback and some data then you're going to global launch it pretty much every
then we're going to ramp. That's exactly right.
Sure. We're 23 minutes in and now the million dollar question $3 million $10 million question. Show us your credit card.
Our credit cards? [laughter] Well, I mean the beauty of the credit card business is that like the fees are typically paid by the merchant, right? So like,

right. So that's that's the beauty of the credit card business. So like I think in terms of I mean that's why that's why vendors always want to move you to invoicing, right? Because once you get to 500k, a million dollars, like if you're clipping two and a half% 3% interchange a month, right? So, so on a million bucks that's like 30k a month of money that just goes to Visa basically or or Mastercard or whoever the scheme is, right? But, but what like that that's real dollars, right? So, that's why they push you to invoicing once you reach a certain level. So, obviously those interchange fees are are part of what we earn. And what that allows us to do is it allows us obviously to offer some of that back as points, but then it also allows us to reduce the cost of our borrowing, right? and pass the savings back to the back to the underlying borrower.
So
So what are the fees?
I mean I mean if you don't want to say it's fine.
I mean I don't have I don't have the thing is it's it's it's entirely

borrower dependent. Right.
Okay. Right.
I I don't know. I don't know. It's
not fixed numbers.
No, not fixed numbers.
It's not a fixed number.
Okay. That's at least
That's a good Yeah, that's a better answer.
Yeah. Yeah. Sorry. I mean Yeah. Like [laughter] because I'm not trying to obuscate, but the thing is like
you know it it's like you know when you sign up for for a credit card you get I think I I think in the US they do price discriminate. So like if your credit score is lower your APR can be like 30% or like 33%.
But if you have like a great credit score it's like 24 22%. Right? Our goal is to be cheaper than the APR sticker rate of a credit card. Right? like how much cheaper?
Obviously.
Yeah. Obviously, because that's the benefit. You get to roll the balance. We definitely are going to, you know, be materially cheaper. And and I'm not saying like, hey, you know, you roll a credit card, it's 24% and with us it's 23. No, like we want to be cheaper than that, right? Like where it's meaningful.

And but how much that is depends on the customer.
And I'm pretty sure it's going to depend on the country as well, right?
Yeah. Exactly. It's going to depend on the country. It's going to depend on the customer. is going to depend on their scale, you know, that that's that's that's a lot of it. Yeah.
Yeah.
Also,
meaning mean
really liking that we're getting better and better at this banking and lawyer stuff?
Yeah.
Always. Yeah. [laughter] Always you mentioned customer multiple times. Like who's who's the ideal customer now and how do you think it's going to change when you kind of global launch the the credit card? So look, I think the I think the I think the ideal customer is sort of an earlier stage team, right? That that has built their product is probably in soft launch and is sort of testing and scaling that that's like the ideal that's where we want to capture the customer sword puzzler.
Nom nom nom.
And then I think I think um you know the other the other thing to flag is that like we also believe there's going to be

and we're seeing that now. I don't know like I'm curious to get your views on this but like what we are seeing is that there are just many more sort of soloreneurs right like there are many more folks just like building up and doing their own thing right and we think that that's going to be a bigger and bigger trend we think it's the barrier to entry to setting up your own thing is significantly reduced due to AI and all these folks are going to need distribution right so distribution actually becomes more important in the age of AI in our in our view and so you That's also the target segment, right, for for us.
Yeah. So, it's not going to be only games, but I what you just said pretty much apps as well because there's so many small teams like one or two men team that are launching apps like crazy and and trying to get as much scale as possible in the short period of time.
Yes. Exactly. Exactly. So, I think like the way to think about it is, you know, you've just started, you need a car that

can give you flexible repayment terms out the gate at prices that are not stupid, right? And uh and and more importantly than just the flexible repayment terms where they can actually reset the limits. Like I really want to emphasize that because that is actually the that's the bigger issue, you know, rather than because let's say you had a let's say you're like super rich, right? And and so you have a personal like you have the MX black card or or whatever. You have the most prestigious card, right? So you have a million dollar personal credit limit, right? And you launch your own business. Well, you know, if you wanted to if you just wanted to really stretch, you could because you could spend 100,000 stretch and then spend another 100,000 stretch and you'd pay the interest on it, you know. But if you think about it as like, hey, this is my business expense, maybe you can get your head around that. But the bigger issue is not the interest. It's like having that capacity to actually roll like that is the bigger hurdle.
Yeah. I mean
so it boils down to the usual questions

like if your product is great this this will supercharge it.
Yeah. And and and and but the thing is it doesn't need to be like the hurdle for how great it needs to be. The bar is a lot lower for this card than UA like UA financing, right? UA financing is is is is like a is like a higher conviction investment or a higher risk bet because we're taking more like we're taking more risk by definition there or we're just more exposed rather when we think about UA financing here we're saying like even if the performance is not fantastic it doesn't have to be smashing it we'll still give you flexibility and repayment like out the gate right that's the and reset help you reset your credit limits without having to repay the whole thing. That's that's the unlock. It
comes back to what we discussed with with Hari from in China. Pretty much like you need you you launch a game, you have pretty much 30 days until everybody else has copy what whatever you you just launched and you you need to scale as

much as as fast as possible and this
get as big market share as possible.
Yes. And if you don't have the money without also raising from VCs like this is the first step pretty much.
Oh, we see it all the time where like the original game gets out, it gets some scale. Everybody sees it successful but it's not enough.
Yeah.
And then in two months, goodbye. Nobody knows your name. Everybody knows the other game that has already scaled with your idea.
Exactly. [laughter]
Because you run out of money.
By the way, that's going to happen now outside of gaming with AI.
Yeah. Yeah,
it's not just it's not just in gaming now. That's going to be in every business.
But that's the fundamental problem that we have in gaming. marketing decides everything and it doesn't really matter if you're let's say up to par to product expertise or even [clears throat] can can follow up quite fast and that's it. In the end was decide it's the marketing it's not the product itself doesn't matter even if you're first these days especially on these lower scale projects.
Yeah. So the now now the million dollar

question Felix before you ask or whatever you want wanted to say like when is it going to launch or when when you're launching the the credit card and how people can actually get it or ask for it.
Yeah. So look, the goal is to launch in Q4 this year. Like you know that's that's the target earlier rather than later, right? So we want to be able to you know launch I'd say you know in the October November time frame at least a soft launch. It's a very ambitious target you know.
Well that's good.
We yeah look we we we set ambitious targets and we try hit them but you know we also missed them a bunch of times to be very honest. [laughter] So look, I think I think we're pushing hard for that. At the same time, like it's also whenever you're dealing with money and especially things in lending, the cost of failure is is like very high, right? So
yeah,
you need to ma we need to manage we need to manage that like we just need to make sure it's done properly cuz we don't want to ruin our reputation. So yeah,

look, it's the goal is Q4, but we'll see.
Okay. And how people can can uh ask for it or get it there? Do you need do they need to call you especially?
No, I hope not. Please don't call me. I the onboarding like look I think the we're going to like GTM this you know like we'll have all the normal GTM channels right you know like I think we have a we have a like we will spend on marketing we will have you know we have our GTM team that's sort of our origination team that's already talking to so many companies every day right so I think that's one clear channel we will also be spending on you know traditional marketing channels to kind of spread the word working with guys like you know you guys obviously Yeah, we'll be promoting it and again the the the goal is to get 100 people that really love the product and then once they once we get there really kind of scale it up and ramp. Okay, nice. That's pretty pretty good. So people, you heard it like Q4, don't call Joe, but you can [laughter]

you can contact him for sure. We'll put all the all the important links in the show notes and you know you can always join our select channel and then talk to the PVX partners team there as well or Joe any any other contact info you want to share with the audience so they know like where to go.
I mean just go to our everything will be on our website when we're ready. So just pvxpartners.com and you know that's uh that's where you'll find everything. I think we might also we we we we might I mean look we'll definitely also have a separate website for
for for it but certainly it'll be on our main main page as well and TBD on the name you know like we've we've you know we have PVX lambda and PVX Delta and
yes
know so so we're running out of Greek alphabet like letters in the Greek alphabet so [laughter]
we might have to pick something else we have we we haven't figured out the name
I have your name right here PV VX top of funnel. Oh yeah.
Oh my god. Like

you'll just walk around like this.
Yeah. If you wanted like weird name, just call call Yakub. Like he's coming up with this like steam scanner review radar and soft launch sonar. So it's going to be something like [laughter]
I love that.
Something like this.
Soft launch sonar. Amazing.
Oh man. Okay. So guys, you you heard it. Thanks for for coming. Also, Joe, thanks for coming on the podcast, explaining all the all the things around the the the PVX credit card and I'm looking forward when it comes to Slovakia so I can I can use it for my solar business as well.
Yeah. Yeah, absolutely. Look, I think um yeah, look, enjoyed the conversation and hopefully it's something hopefully something that's really helpful, you know, because there's a lot of different obviously like credit card offerings in the market. I think the thing that has always been our northstar is, you know,

a lot of us are founders. I mean, we are obviously PBX is a startup, so we are founders, but a lot of people in the team have been founders as well and operators in startups. So the, you know, the whole reason we're called PVX is is it's all about trying to be the most helpful financing firm, right? That that's really the mission and PVX representing player versus X. X being all the various challenges the player faces, right? So that's the whole reason we're called PVX. And so the look, we we we we do think there's a real need in the market for this. And so yeah, we hope we can deliver something that's actually valuable.
We hope so as well, man. And we looking forward to it.
Yeah. Yeah, let's see. Fingers crossed.
Yes, fingers crossed. Thank you very much, guys. Join the join the Slack channel. Share, comment. Yeah, ask your questions in the in the comment section and the in the YouTube video. And see you next time. Thank you very much.
All right.
Cheers.
Take care. Bye. I went out.