I apologize if my comment came off as spammy; I don't work for or represent Balanced. When someone launches a product that is similar to an existing product, particularly a YC startup's product, the existing product is relevant to the discussion. There are so many payments startups right now, each with its own niche. I think MangoPay and Balanced share a niche (online marketplaces), but Balanced targets the US while MangoPay seems to be targeting Europe.