This license will help us towards our goal to build an account where you can manage every aspect of your financial life, with the best value and using the best available technologies. Now, it's worth pointing out that nothing is going to change right away. Despite being granted with a license, this does not automatically turn us into a bank right away. In the coming months, we'll be doing a lot of building and testing behind the scenes, and working closely with the regulators to have any restrictions on our license removed, so that we can launch full current accounts, overdrafts and everything else you'd expect from a bank