What's your business model? The product looks outstanding, but I, like many others here I'd imagine, am somewhat skeptical of a product that sells itself as nearly completely free for the user.
We make money on debit card usage (interchange) and deposits that sit with us. We will be adding a couple of other revenue streams this year.
We have pretty good unit economics and the bigger we get the more money we make. Agreed that you should be skeptical of anything that makes a loss on a per user basis.