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help us frame the different pieces of the capabilities here. You have the identity trust layer, not the platform for custom AI agents
Can you expand upon the announcement? It looks like you're bringing together a lot of your assets across offers, loyalty, personalization
maybe expand upon how you're taking this business international and the momentum you may be seeing there
can you give us more color on the composition of a cross-border business
I want to ask about stable coins. It's likely that we get some regulatory clarity in the U.S. this year
how does this proliferation of tokens and the benefits it brings changes the conversation you have
what are the most tangible areas of opportunities as it relates to stablecoins in the coming years
Can you maybe help us kind of bridge the kind of deceleration from the third quarter
How do you think about navigating that risk in the current environment, being a US-based company operating globally
How should we think about the roadmap of use cases, monetization models and also the dynamics vis-a-vis debit