thanks for adding your thoughts here. you make great points around some of the risks - trust layer: we only utilize trusted 3rd party services like Plaid when it comes to the open-banking APIs. on our side, the data is encrypted in rest and in transit. we do not sell your data as part of our business, and we take it very seriously - monetization: yah right now Peek is free at the earlier stage because we're prioritizing growing our user base and rapidly improving our engagement features as well. eventually, we'll look to land on a subscriptions model