Zilch offers a compelling argument that they have re-created the booming Buy Now Pay Layer (BNPL) business model. Excellent overview from Sifted which will take about five minutes to read.
Comment: now removes by prime concern first gen BPN providers, debt. While these providers typically securitise debt away from corporate balance sheets, it remains with the consumer who could easily become overburdened. By contrast Zilch tracks consumer exposure, preventing the accumulation of excessive debt.