• Uncertain and unpredictable regulatory environment for blockchain and digital assets  
  •  Fast-changing business environment
  • The complexity of operating across multiple geographies
  •  Concepts and technology not always well-understood by customers, thereby creating hesitancy to adopt solutions powered by blockchain technology
  •  Reliance on relationships with traditional banks and payment service providers
  •  Response from established players (e.g., payment services providers, Facebook, and banks), who are also important service providers to the business
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