u/Independent_Visioner

Please challenge my thesis, I’m looking for the strongest counter arguments.
Wise is a founder led company with an expanding moat driven by economies of scale. As volumes increase, it lowers fees, attracting more users, and reinforcing the flywheel.
The current TAM is over $30T and should continue expanding as more cross border payments move online, creating a tailwind away from legacy providers like Western Union.
I’d appreciate hearing the strongest bear case.

I'm opening a small gyro shop and expect to do around $20k in monthly sales. I'm leaning toward Clover, but before I make a decision, is it still the best POS, or would you recommend something else, like Square or Toast? If you've used any of these, I'd really appreciate hearing about your experience. Thanks!