It's a gamble not only on what's recoverable but also future lifetime value of newly acquired customers from this effort (remember, there are a bunch of ventures looking for a new bank now that their banking provider is gone). Public service meets rapidly evolving growth marketing campaign. Can't fault Brex, there is no downside to anyone except them (correction: it appears a third party is taking the credit risk per gpm, even better for Brex as they're simply facilitating the lending ops and aren't exposing themselves to the credit risk). Kudos.