Originally Posted by dantes

explain your comment earlier where the bank wants the 5% as collateral for your redpass feature

Originally Posted by Zombaio_Tomas

Sure, we are on own ICA/BIN from October which means that we can acquire and issue MasterCards. That will result in own BINS where we have full control over the money flow, but this also means that we take all the risk, therefore the 5% reserve.