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1) $MELI CFO Pedro Ant at the JP Morgan Global Technology, Media and Communications Conference
How to Disrupt the Rails (cc $V & $M
How to Disrupt the Rails (cc $V & $M
2) Digital Wallet acceptance and the potential to developed a closed-loop QR Code Based Network is the the super bull case. 
3) TAM of micro merchants (plumbers, gardeners, etc) is huge, but the ARPU is low (average quarterly TPV for their merchants is just ~$1000)
4) Payment Processing is a commodity business the profit pool will accrue to the processor who can use it as a loss leader, monetizing in a different way... all about the cross-sell.
5) The only model proven globally (China) that disrupts the rails ( $V & $MA). A dominate e-commerce company with enough revenue levers across its platform to monetize in a way that fits within the countries regulatory nuances while moving up market from an underbanked population
