Jackpot Rewards, Stablecoin Cards, and Uncollateralized Lending for the Speculator

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What on, Jay? Hey. Hi. How are you? By the way, extremely cool video. We are now working on ours, like, for the launch.

Let's go.

Awesome. It's great. The launch launch videos are a big deal. I feel like that's gonna become a huge thing to get right. So, yeah, shout out to Dakota. They're helping us with this series and with cool launch videos like that. So shout out to them. It sounds like we're we're kind of come we're this is a little bit of, like, a coming out of stealth moment. Tell us a little bit about the moment you're in. You just updated your LinkedIn. It's getting official. What's what's going on? Yeah. So,

actually, yeah, you caught us in a very interesting time. We are about to come out of stealth. Cerro is effectively, like, eight weeks old, I would say. We actually started our company as we arrived in New York for this one accelerator program that I will not name at the moment, but it's a pretty huge one. Got selected out of, like, a lot of applicants, basically within a cohort of seven. And, yeah, we began working as as we arrived in New York on the April 20. And Awesome. Yeah.

Ever since that moment, I have been passed down building the app and already have some first live users, some lifespan, but still kind of, let's say, in this, like, stealth test light version of the app. But but, yeah, very excited to start reaching new audiences and new people as we start to scale. So yeah. Well, I us in a yeah.

Go on. I was talking with I think I saw a post of with Eric from from Flex. You know, he he just rapid posting all the time on x about all things. He's a maniac. I can't get I can't get rid of this about my timeline. He's everywhere. But, again, you you were one of the one of the teams that kept on seeing do we say it right? Is it, like, zero

with a c? Yeah. Yeah. So it's actually So Sarah just kept on Yeah.

It it just you guys kept on popping up over and over again, but, you know, I know z, other Zach, was getting you kinda prepped in the green green room, and he said, talk about how he will talk about how he doesn't wanna be a neobank and that your counter position. That immediately just caught my attention because we've we've kind of heard this a few times.

Shimon from Moto is in this very similar area of bringing credit on chain and being okay with, yes, you're spending from our account, but we don't want to be your neobank.

So talk us through, like, what does being counter positioned to not be a neobank look like for you? Yeah. So effectively, the way of how we want to position ourselves is effectively an upside app. So with Sero, every dollar you spend earns you a chance to win a million dollars. Every purchase that you make with our card can come back for free. Every tap of the card earns you reward packs, you know, entries and raffles, collectibles, and other things alike.

In order to get access to this upside within Sero, you must build your Sero score that you build through spending with our app, through holding balance within Sero, as well as providing us with alternative information about yourself, such as connecting your own chain wallet, centralized exchange accounts, bank accounts, alternative data sources such as socials, that all are aggregated within one score called the Sero score.

And then as soon as you reach a certain level, we basically lend you without collateral against this court. And all of this is accessible directly to your card. The aim here is to basically bank the speculator economy, you know, the guys that are just trying to escape the permanent underclass and are underserved by by traditional incumbents and develop an experience that is both familiar and engaging to them as well as kind of unlocks the spending power as they use our card and and product more and more.

I wouldn't necessarily say that, like, we fall outside of the scope of, like, you know, the traditional neo banking or fintech, but just, like, let's say, getting to be positioned as one, let's say, offering a better effects or, let's say, more international account rails or currencies or let's say airline miles and things like that, I don't think it's, like, relevant to anyone.

And to be honest, like, this is also something that, like, why we initially so when we joined the accelerator, we kinda were building something very similar to what Motto is, but basically on, like, on the basis of uncollateralized loans to card to kind of, let's say, high net worth crypto natives. But, yeah, after talking to more than a 100 of them within the first, like, week, we realized that the only thing that these guys care about is is upset. You know? They they want No. That's that's an interesting, like,

area to try to start forming forming a moat around you. It's like you ask yourself. You're like, does my 2% flat flat cash back, like, actually make a difference? Or would I randomly win? Like, I have to imagine it's not just a million dollars. Like, is there tiered and, like, smaller prizes? And, you know, would I rather know that I have the chance to win a thousand? And, obviously, I've been in early stages. The odds are good.

What do you when you think about building this type of infrastructure, and this is a very different type of infrastructure that we talk about with neobanks, we've actually interviewed Megapot. They raised, I think, a $5,500,000.

Our

Our guys. Guys. That's what I was gonna say. I was like, this seems like the perfect thing to be building on top of. They're very they seem aligned meant like, kind of, like, psychologically aligned in some ways. Yeah. We were actually just just, like, earlier this week, had a call with them. So yeah. So Patrick's Clubs have done very well for us. Yeah. Yeah. But, again, he's also been they've done well for us.

But, again, when you think about, like, what infrastructure do you build on top of what they're building, I like this a lot more than just flagrant, you know, gambling and going and buying tickets. Yeah. Because it's it it just feels more practical. MJ, break down a little bit more of just, like, what this means.

So you're you're building you're building the product right now. You've been going through some accelerator programs. You have a team around you.

Bring us into the stack a little bit or how you've approached the initial product in terms of how you've built it and how you make some of these things happen. Yep. So I think from the product stack and the tech stack perspective, like, we are built very similar to, like, let's say, other competitors currently in the market, but we run on Privy Rails. We work with Rain and Virex as our card issuers at the moment. And then underneath hood, we basically have developed two bespoke products.

One is the rewards protocol that effectively governs all of the reward, let's say, experience that you are able to access through our app that effectively upon every tap of the card takes into account like currently three variables, which is like your score that we broadcast on chain, the size of the transaction, and the size of the rewards pool, and upon of that, assigns probabilities to different outcomes that can happen. And in our case in the let's say b one we have three.

So one is basically you just let's say purchase this bottle of water and that's it. You trigger buy now pay never, that through another gamified motion that I will not reveal at the moment, but I will definitely share it later, you'll be able to see if you got it or not. And then the third option at the moment is we basically allow users to enter into Megapod, at least for the time being.

But the thing is that, like, we can add infinite amount of reward, let's say, experiences that you can access through basically tap or the swipe of the card. And then the other bit is obviously the credit module. So there we have built out the first scoring algorithm in order to assess users, basically, transactions, balance held, characteristics, and additional information that they provide us into a coherent score that currently is already accepted by one lender in order to basically lend against.

And then we have three others that we are currently in talks with in order to start issuing uncollateralized credit lines for us, basically, to our users through our own embedded experience within our app. So those two kind of are, let's say, the bespoke, let's say, like, tech elements that, like, we have built. But, obviously, when it comes to, let's say, everything that comes to payments and the card issuance, we are kind of leveraging, I would say, more or less the same that other guys are doing as well.

On top of that, I mean, this is also happening behind the scenes. We are actively pursuing variety of different licenses, which I think currently teams are kind of, let's say, not paying too much attention to, but I think this arbitrage between or behind, let's say, this currently just unknown area of a stablecoin card is gonna basically be closed down very quickly.

And, yeah, at one point, you know, all the providers are gonna start asking for companies to provide them with some, let's say, legal background on why they are able to provide these services, and we're kind of betting on that to happen within the next, like, six to twelve months. What's happening

yeah. What's happening there now versus what you think would will transpire in that part of the stack? Like, what's kind of being allowed to exist

currently that is gonna go away in your view? I mean, like, because, personally, I come from a fintech background. Also, like, most of our team, we've been working in white label banking space prior to this. And so we went through the entirety of the first wave of the neo banking. And at one point, banking as a service became kind of, let's say, a go to model.

And the very early days of banking as a service resembled a lot of what is currently happening with the providers like RAIN and others kind of, let's say, offering these quote unquote agent agreements for different providers that would like to work with them in order to basically kind of, let's say, distribute their service through their interface to, let's say, the set platforms and customer.

And, yeah, it was basically got cracked down on, let's say, in Europe where I'm from originally, very early in very early days of this, let's say, initial fintech renaissance or let's say the GLOP. And, yeah, I just think right now it's very much resembles the same. Like, people don't know, like, what, let's say, a non custodial, privy based, let's say, stable, quite based, like, banking really looks like. There's no legal framework around it as of now.

But technically speaking, it very much resembles some sort of, like, money service business, payment service provider, or, like, you know, electronic money institution activity on the back end. But right now, the just the way or the rails through which it happens is just, like, like, unchartered.

Yeah, I just think that you're saying telling my grandma throw in this jackpot piece. Right? Like, there's another layer of, like, gambling and, like or is that a rewards? Like, I don't even know. How do you classify that? I mean, that's some It's rewards.

For now, it's rewards, but, generally, like, we are inactive. I I obviously will not, like, spill all the all the secret sauce about this here, but but but, yeah, we have found ways on how to run this compliantly, at least for the foreseeable future. So this is just effectively at the moment mainly described as a rewards program. But but but, yeah, we have found ways on how to how to add a sprinkle of variants in this. So, yeah, it's it's so yeah.

But as I said, like, these two, I think, are obviously a big talking points or at least will become big talking points within the next, like, six to twelve months. That's my bet. You can may maybe I'm gonna be wrong. But but, yeah, we are also actively working on it. Funding the how are you funding the jackpot? I mean, we think about this, you know, Shimon quoted this, the war of attrition with with cash back and, you know, people just taking on VC money money to go ahead and fund cash back campaigns to acquire

users and to gamify that experience. I mean, are you are you funneling cash back now into these these pots? And is the is the gamified vision that as people are recruiting more users, the jackpot is growing so you could just capitalize on the people that are that are wanting that upside and and and wanting to speculate in that capacity? Yes. So on on that side, basically, is the rewards protocol, right, that governs this, and it is funded predominantly by two things.

At least for now, we are basically piling in all the yield generated on the users' deposits

into into this rewards pool together with basically all the interchange that we generate from the cash spending card spending. All of that gets attributed to our rewards pool. So even if you, let's say, take a take a look at it at the moment, the way of how it functions is like basically a peer to peer rewards protocol. Love this.

I think this is so cool. Does your

imagine, like, once it like, once it starts, like, piling up and let's say and by the way, on top of that, we also if if you receive, let's say, a credit line through us, we don't assign this credit line directly to your wallet, so it doesn't get transferred to your preppy noncustodial wallet. It basically reminds it remains in the credit pool. So we perform just in time financing actions when you spend credit with our card.

In the meantime, all this balance is generating yield, and also this yield gets included in the rewards rewards protocol. So the the thing is that if this scales, more people hold balance, more people spend, reward pool gets bigger, and then at random, let's say instead of, let's say, receiving like linear 1%, you just like sometimes receive a 100%.

Or, like, if you're lucky, then you, like, receive 100, like, you know, multiple times a week. Yeah. Is that is that the vision that it's like, yes, there's the one big jackpot, but also just, like, these little, like I'm I'm imagining just, like, little quick dopamine hit, like, rewards of, like, oh, I just spent this and, like, now I just won a free coffee. Like, I didn't even know I entered it, or is it It's delightful. I mean, it's so delightful.

Yes, man. Like okay. Look. Give him he's working. Okay. Can we can we schedule, yeah, can we schedule another call, another meeting, like, two months from now? And then I'll just, like, show you the app, like, in its entirety.

You stop it. You need to just give us access so that we can be testing it, and we're gonna hop on Windstream and be Drew, I got my coffee free this morning. Like, look. It actually has it actually has It's so much more fun. Like, I would I mean, the idea of saying, instead of giving these little kind of

sprinkles of rewards, we're going to withhold things that, at this point, people don't really especially Americans. Like, I actually don't think there there is a class of Americans that will choose which credit card they use, and those percentage points matters.

But, like, user experience of receiving maybe maybe forgoing that on a payment by payment basis, and then once a month or maybe once a quarter, I receive some unexpected, you know, present that feels so like, in total, like, you if you take all of those two, three, 4% back purchases, compile them into, like, one single moment, and that single moment becomes delivered to me at one single point, That feels like electric. And I can't think that's the the product's worth it. Yeah.

It's like you wake up one day, and you have You got it. You got it. This is You got it. Know? I killed them. That's why I came on stable dash live. I knew these guys would get it. Question question for you on the credit. You mentioned the credit limit or the credit. That seemed really unique what you said around how the reward protocol is working, and you have a credit system that is also being able to contribute to that rewards pool. So if I'm understanding this. Right?

So Drew Rogers, let's say, for example, has a $10,000 credit limit to or a spend limit, whatever we wanna call this. That is that $10,000 balance or pool is sitting somewhere Yeah. And it's tied to me, and then that balance is not necessarily in my account, but it's somewhere else. And then the yield you're you're earning yield from that essentially credit line. Is that how that works? Yes. Correct. And is that cuss who is custodying that piece? Is that you guys? We are basically

so the way of how this works currently, also, I don't wanna, like, go too much in details because, yeah, as I said earlier This is where it gets saucy. Yeah. Yeah. We're just we're just coming out of stealth, like so so we need a bit more time in order to, like, you know, properly run this up. But the way of what we are building on the back end is effectively like a several lenders or, let's say, lending network.

We plan to use our score as the co basically, those as an underwriting input together with different lenders that are willing to lend to our users in the jurisdictions that we are in. The liquidity initially is sourced directly through those lenders. And upon, let's say, the issuance of the initial credit line, this liquidity is settled with us, basically within a smart contract or credit pool. And then this credit pool is is generating yield.

Well, we haven't yet decided precisely on where like, well, for the time being, we are using Agora USD on the back end. So they are generating yield for us on this balance. But then when the credit line is drawn, then, yeah, we basically convert USDC and settle it it basically to to rain. So this balance also generates yield, but, yeah, we obviously are not going to go ham.

I think in the app, at least, like, the way of how, like, I see it, like, right now, like, maybe in the initial phases, like, are still leveraging Agora USD, but I also see how, for example, we could allow users to, let's say, boost their experience.

And by boosting, they basically can decide whether they want to want to allocate the dollars to Agora USD or let's say they wanna go to Yuzu money, for example, like, you know, and that generates, like, 35% or whatever on on Well, even with Agora, there's there's some attractive yields, you know, with up shift or in the Monad, you you can Exactly.

So we we we could probably do Agora also, like, within, like, let's say, these DeFi loops and just generate more yield on the user's balance and all of that boosts their score, the higher score, the higher upside, and, yeah, basically, the higher the credit line. Since

well, one, I'm curious, but also since Agora is a proud sponsor of the show, what was the reasoning for going with AUSD? What was the benefit of that from a builder standpoint? So

we are well, basically, I I love I think Gora's team is great. So far, very receptive. Also, from the get go, understood what we want to do and how we want this to be structured. The main benefit of going with them is the ability to basically delegate yield. So instead of, let's say because each wallet on Sero is a fully non custodial preview wallet, it's kept by the user. Keys are with the user.

But and they basically, all the other stablecoin providers usually are basically allocating the yield directly to that specific wallet where the balance is held. With the Gora, we were able to agree that they are basically looking at the rolling balance across all several users and basically settling the yield right directly to the rewards contract instead. So we are able to split those two. The balance remains one to one. The yield goes into the rewards pool. And but yeah.

So and also together with that, they are very well supported on Monad. And Monad's team is also quite close to us. And, yeah, we are currently doing a thing or two there. Not to dive too many too much in details, but but but yeah. Awesome. Something's in works. Something's brewing.

Zach, you wanna you wanna rapid fire, did you say, before we before we stop digging for gold here? I was just gonna say, normally,

we're rapid fire. Like and and I mean, this totally respectfully with teams that have been they've gone through the builds. Like, I guess it's it they're more positioned for teams that have gone through the first iterations. And I feel like you kinda answered some of these already because there there are questions about, like, building or buying in house. But seeing at this stage, it seems like a lot of it is, you know, building with teams that we can get zero to one one with.

Are there certain pieces to the stack that feels like, personally, we've we've talked I think the rewards protocol from what it sounds like, how that works, making that amazing, the credit facilities, some of the lending stuff.

Like, that seems to me to be really where you're gonna, from what it sounds like, lean in and and build a lot of proprietary and really unique vehicles for building user experiences that kind of surprise and delight, which I think for me why I get so excited is just knowing how people are with those experiences is like novelty and surprise and delight is the thing that makes products grow, and it's the reason why people tell their friends.

It's the it's the you know, being in a Tesla and having, like, the fart like like, make the person in the back seat sound like they farted or, like, you know, play arcade games on it. Like, all these little stupid unnecessary things Details. Tesla built this. It's just these fun it makes the experience viral, and it's like you can't help but tell people about it. And we, you know, we talked to a lot of people building in the space, and I just I like where where did this sense of awareness come from for you?

It sounds like you've spent a lot of time in the banking space before this. Like, where where did some of these core convictions on how you wanted to build this come from? That's a that's a good question. I guess,

so first and foremost, think generally, like, banking as a whole is very redundant in many ways and quite boring and has been for a long time, even fintech. Like, what's the difference? Like, instead of, like, you logging on to a, let's say, a desktop portal, you now aren't just opening an app on the phone. But imagine it's like an experience or something that you do every day, like, multiple multiple times a day. And, like, nothing has changed forever.

And the only thing that, like, has been, let's say, innovated upon is maybe, yeah, some rewards programs. I don't know. Like, Revolut has been kind of trying to push quite a lot of, like, interesting features on the points side. But, I mean, it's kind of like the same regurgitated thing all over again. And, yeah, I think generally just wanted to make it more fun. Also, on top of that, I think being crypto native, I'm accustomed to, just constant speculation and everything.

Like, if we weren't like building like what we are building right now, it was probably the the product that like we would come out with on the on the cashback side would be some sort of, let's say, I don't know, like 50 x Bitcoin long hyper liquid positions, you know, instead of like, you know, $1 or, I don't know, like, buying, like, a portfolio of, like, I don't know, like, dog and, like, cat coins, you know, everything that was launching on PlumFun, for example, just through your spending experience.

I mean, all of this, like, has to come into, I think, the the banking stack just because the attention of the people is Yeah. So so fragile right now that, like, if you are not able to captivate them at the very at, like, at the very start, like, you're just gonna lose them. And, yeah, and then the last thing was, as I said, we spoke to a lot of people, like, lot of crypto guys, and and then, yeah, they like, nobody cares about cashbacks, yields, things like that.

Like, really, it's never gonna, like, make a dent in their life. But, you know, having a potential chance to, I don't know, get something huge out of it, I don't know, a free coffee now and then at random. It's like it's enough for, you know, to to get their juices flowing, you know, and, like, to get them excited about things. And, yeah, I don't know. It's maybe bad as well, kind of, like, tying into financial nihilism a bit, but but but but, yeah, I think it's just, like, what what the market needs.

I'm I'm glad I'm glad you called that up because, you know, I've been especially with the rise of, like, the call sheets and the poll end markets and the, you know, the gamblification

of just, I mean, everything in our lives, it starts to feel like you know, it does ask a question like, where where do we wanna draw the line in society? And and generally as being somebody that's not an advocate for those, I don't think I don't think it's a net positive. I think this falls on the other side of the line for me. Like I said, when when you think about, like, what what true what matters at least from from you know, I'm I'm I'm already spending. It's one thing if I'm saying, hey.

I'm going out there, and I'm gonna try to, you know, make an make extra money a month because I wanna try to gain Sero, and I wanna try to, you know, get all these extra ticket buys, and I'm gonna inflate my spending to levels that are just totally unreasonable that that could wreck my life. Sure. That is a net bad.

But if I'm already spending $2,000 a month on groceries, on food, on my gas, on my utilities, you know, you have to ask, like, what are the perks of doing that, and where where do I want that spend to happen? Yep. Well, that's exactly

how we look at it as well. Like, at least currently and and generally, like, we plan to keep all of this lossless, so tied to already existing fees or or things that, basically the deal that you are generating in the app nonetheless just by being on there. And then, of course, on top of that, there's the credit aspect, you know, which I build believe is going to become a sort of a, let's say, the main revenue driver at some point later down the road as as we roll out the score and start lending on our own liquidity.

Because, yeah, there is actually a very good example. I don't know if you have ever seen it. It's called CredClub. It's an Indian app, by the way, but they are pretty massive, and it's quite funny. Cred.club. Gamified spending and finance in in India is a huge niche. I didn't know that, but, yeah, I found this app.

Now it looks like this, but they started out as a as an effectively very similar with a very similar concept like Sero, kind of, like, say, trying to make the spending experience as rewarding as possible, consolidating all the, let's say, spending activity from all the other cards that, like, you have access to into one app. So, yeah, you spend with their card instead of somebody's else somebody like, other company's card.

And then together with that within the app, you kind of build your score, build your reputation that they now lend you money based on. And I think this is like where where kind of maybe like this, like, Trojan horse tactic comes in. We, after all, want to build credit profile on generally, let's say, underserved market, which is the speculators.

And if you think about it, like, a bit more broadly, if you let's say, I don't know about The US specifically, but let's say in Europe, if they if my bank sees that I have deposited money, let's say, in a gambling site, you know, bet $3.06 5 or whatever, like and then so on. That one transaction, like, kills my credit score. I mean, it it, like, puts me at a disadvantage. I can borrow. It's it's considered high risk. And, also, like, let's say if you're dealing with crypto, that's another, like, story.

I mean, it's it's a it's a very currently even Yeah.

No. That's not that's not at least Drew's I mean, maybe it might be a transaction, like, if you're trying to get, like, manually underwritten for, you know, a mortgage or or some type of loan. But at least to my knowledge, no. In The US, like, it's not going by, like, individual transaction. It's really just, hey. Have you been able to repay the lines of credit that you've been extended and not miss payments on your your bills? That's that's probably a whole another rabbit hole we could go down. Yeah.

And also, I think if you like, the one thing that I don't understand specifically is, like

so in the, let's say, the world of alternative financing, usually, let's say, in order to issue loans, you need, like, a six month to twelve month bank statement of the user, plus their name surname that you drop into the credit registry in order to check their past activity. Right? You categorize the statement and you check their name in the in the registry, and that's enough for you to learn.

And then if you look at, let's say, things such as on chain wallet, centralized exchange accounts, so on and so forth, all of this kinda falls outside of that criteria. Like, and where it gets taken into the account when making a good decision. But then again, the transactions are the same, you know, and I personally do, like, strongly believe that, let's say, my, let's say past six year history on chain is more indicative of my credit worthiness than like, let's say my six month bank statement would be. You know?

And like it can tell much more about myself and and potentially, like, you know, underwrite underwrite myself, like, with the tighter spreads than than than anything that you could otherwise see, let's say, with an entry on the credit bureau or whatever. So that's the thing. I think also all of that part is, like, super outdated, not built for, you know, the new age of the consumer. You can earn in thousand different okay. Not thousand, like, 100 different ways and now also in 100 different currencies.

But, yeah, the banks only see, like, I don't know, one source of income, which is your salary on the first of the month from your employer to your bank account and one currency, which is USD or euro. But, I mean, I could be using earning USDC, USDT, BTC, ETH, all others, and I could be, like, doing, like, hundreds of things. Trade Polymarket, I could be clipping streams. You know? I don't know. TikTok, I could be doing whatever nowadays. And yeah. Yeah. This just doesn't, like, track at the moment.

So also a bit of a yeah. No.

I'm I'm interested to see your what your go to market motion ends up looking like. This seems like prime TikTok, Instagram, go around talk with college kids type products. So I'm sure you're already thinking of that. So, MJ, where can people find you? Where are you accepting people? Is it a wait list right now? Is this a Yes. DM you, and you might get a code?

No. I mean, you could you can find me on x at Seroton or c zero to 1, Seroton one. You can find us at Seroton finance. We currently are waitlisted, so you have to sign up. If you DM me, maybe we can give you an access code. But, generally, we are now kind of, let's say, slowly progressing in and and starting to roll out our app to more and more users. So, yeah, it's it should be pretty doable to to give people access even now. But I would be happy to extend invitation to you guys as well.

Like Yeah. You can like experience the app at least in its current state. And yeah, like two, three months from now, we should definitely chat again. I thought I thought this tweet was so good. Everybody on the plane looking at the SpaceX IPO except this guy locked in on his CERO score. So funny. I also I will definitely be following the x account because there there are many funny whoever's running are you running the x account, or you have someone else? No. We're actually, Mix is running the X account.

So our our our cofounder and CMO. So, yeah, he's he's doing the tweets right now. Yeah. Hilarious. There's some good there's some good ones in here.

No. But that yeah. The the I think So

Mom, how did we get so rich? Your dad never took 3% cash back thinking he was getting ahead. That's so funny. Alright. Well, I'll I'll stop, but definitely following definitely following you. And we would love to be included in this and test it out and Thank you. Use use the product.

By the way, you also forced me to update my LinkedIn. Thank you. I've been, like, delaying this stuff, like, for for for I I I know. Count contrary to popular belief, LinkedIn does still matter in, like, the web creep Web three crypto space to some people, especially in media. It's kinda like, you know, we have to do some sort of validity check and, like, there's just, like, little things that hey. Maybe, you know, one day you're gonna talk to an investor, they're gonna, like, Google you on LinkedIn.

Be like, why isn't he the founder? You know? So there you go. You just set up. And Thank you. Man, this was great. Thanks for thanks for joining us today. I'm glad you glad you reached out. MJ, we'll be sure to follow along. Drew, you're gonna be in New York in the next few weeks, so maybe you guys Next week. You guys should say hi. I already got an invite to dinner. By the way, this is the best reception

Best reception ever. Like, appear on podcast, get invited to dinner straight away. I mean, I love it. You know? Delightful.

Yeah. Just like Sarah. Awesome. Alright. Thanks, MJ. Thanks, man. Have a good one. I'll see you next week. Bye bye. Bye.