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hello my name is Faysal Khan I have a question that came in it is what is the e money license the stored-value license in the United States called well heres the cool part the US doesnt have an e money license the u.s. just has a money transmitter license and a money transmitter license can be used for various purposes it can be used for straight through processing it can use be used for payment processing it can be used for remittances it can be used for across the state line money transfers it can be used for check cashing etc etc and so forth the way the United States handles the e money or what we call store value is that every customer that signs up with a money services business that has a money transmitter license is essentially opening an account and a fdic-insured account or a non an fdic-insured financial institution the account is actually being opened at an institution where value can be parked so thats where the dollars can be part thats where multi currency could be