I don't know anything about funding but most of the funding came in the before times, when we had a zero interest rate policy, right? In post zirp, would even Y Combinator darling Dropbox or Airbnb be able to secure funding (without a solid plan)?

We raised the biggest chunk of the money in 2023, which was far from being « zero interest rate », and « founder friendly », or even « fintech friendly ». What is true is we raised the initial $3M in 2021, out of YC, on the back of our initial product that was not open source.