[julia-zheng]

Whoa you know a lot about Card.io!

Apple does have great card scanner. Our thoughts on this (would love to hear yours) are they have little incentive to open up the card scanning tech standalone for developers, but even assuming they did, the standalone Apple scanner wouldn't include any fraud prevention features.

Longer term, we plan to leverage data from our customer base to make our fraud prevention features very robust - and we suspect this would be difficult for a competitor to replicate.