Our model in Nigeria and Ghana credits the bank accounts of users directly. However, to avoid any legal issues, the global version makes use of these medium of payment (PayPal, Zelle and Square Cash) after which users can quickly and easily move the funds to their banks.
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That's fair enough, but your 'sell' is misleading somewhat, in that case...
That's not the intention. I'm glad we are on the same page now. Please don't hesitate to ask us if you have any further questions.