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Another great article. Re: your final request, I think a deep dive into the Terra network and in particular its facilitation of online and offline retail payments via Chai in South Korea is a good fit. See:

https://medium.com/terra-money/terra-partners-with-mobile-payment-app-chai-29c593f0a364 and https://ark-invest.com/podcast/ep98-terra/

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thank you for the article, lots of good information!

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Thanks Marc, great writing (again)

On what basis is Revolut profitable? Based on the public filings (FY2019), the company was still losing money. And crypto might have improved their financials, but I doubt that they turned profitable, especially that travel hasn't picked up yet (the largest part of their income is still interchange fees)

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