With Zippay's current trajectory things are looking good for the next 3 months. I could only speculate a likely range of -10% - +25% within this period. The company recently launched in New Zealand which opens up the company to a new range of consumers/users. However, I don't believe that the company will grow any further than Oceania in this 3 month period, maybe within a 2 year period, but considering Afterpay's international domination it doesn't appear to be a likely move for the company. Who knows though? Especially me so... yeah. Hope this was helpful any feedback I am totally open for.